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Group Accident Insurance Scheme under PMMSY: Permanent Partial Disability Gujarat

The scheme aims to provide financial assistance to fishermen/fishermen's families in case of death or injury. Through this scheme, insurance coverage for Permanent Partial Disability is provided to eligible fishers.

Authority

State/ UT

Region

Gujarat

Status

Verified 2026

Updated

March 2026

What you get

Sr. No.Name of ComponentStandard of assistance1. Permanent Partial Disability₹2,50,000/- | Mode of Disbursement: | - The claim amount is deposited directly into the claimant's, nominee's, or legal heir's savings account via Direct Bank Transfer (DBT). | Expected Time of Disbursement: | - The insurance company will settle the claim within 15 working days of receiving the complete claim documentation. If a claim is not settled within this period, the insurance company will pay a simple interest of 10% on the admissible claim amount from the date of document submission until the payment date.

Who can apply

The applicant must be a fisher, which includes fishermen, fish workers, fish farmers, and any other person directly involved in fishing or fisheries-related activities.; The applicant must be between 18 and 70 years old.; The insured person should not have been 71 years of age on the date of the accident.; The applicant must be approved by the State/Union Territory (UT) fisheries department.; At the time of a claim, the claimant or insured fisher must be verified and certified by an "Appropriate Authority".; The applicant should have registered himself in the concerned district office.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

What is the Permanent Partial Disability (PPD) benefit under the Group Accident Insurance Scheme (GAIS)?

The PPD benefit provides financial assistance to a fisher who suffers a partial disability as a result of an accident.

What is the definition of Permanent Partial Disability according to the scheme?

PPD is a partial disability that is permanent in nature and results from an accident. The level of disability is determined by a doctor and a government hospital specialist.

Are there specific injuries covered under PPD?

Yes, the policy specifies various injuries and their corresponding compensation as a percentage of the sum insured, for example, loss of a thumb or an index finger.

Who is eligible for the PPD benefit?

Any fisher between the ages of 18 and 70, who is registered under the scheme, is eligible for this benefit. The insured person must not have completed 71 years of age on the date of the accident.

How is the claim for PPD initiated?

An intimation about the disability must be sent to the insurance company within 90 days of the accident.

What documents are required to claim the PPD benefit?

Key documents include the Intimation Form, Claim Form, a cancelled cheque or bank passbook copy, Certification by an Appropriate Authority, and a government-issued ID. You will also need accident-specific documents like a First Information Report (FIR).

What additional documents are required for a PPD claim?

You will need the original detailed discharge summary, the treating doctor's certificate, a copy of the FIR or Medico Legal Certificate (MLC), and a disability certificate with a photograph from a government hospital specialist.

Who determines the percentage of disability for a PPD claim?

The disability is assessed and certified by a government hospital specialist.

How long do I have to submit all the claim documents?

All claim documents must be submitted within 180 days of the accident.

Is there a timeframe for the insurance company to settle a PPD claim?

Yes, the insurance company will settle the claim within 15 working days of receiving all complete documentation.