The Government of Gujarat has implemented the Farmers’ Accidental Insurance Scheme since January 26, 1996, to provide insurance coverage to the registered farmers in case of accidental death or permanent disability. This scheme is 100% sponsored by the state government. In this scheme, insurance premiums are paid by the state government for all farmers. This scheme is implemented under the Gujarat Community Group-Janta Accidental Insurance Scheme from January 4, 2008, through the Director of Insurance, Gandhinagar.
Farmers Accidental Insurance Scheme Objective:
The main objective of the scheme is to assist the successor of the registered farmer, all children (son or daughter) of the registered farmer, and the husband or wife of the registered farmer in case of death or disability due to an accident.
Beneficiary
All registered farmers and any child (son or daughter) of the farmer, as well as the farmer’s husband or wife, are eligible for the scheme in the event of accidental death or permanent disability.
Farmers Accidental Insurance Scheme Main Conditions:
A deceased or permanently disabled person should be a registered farmer (have individual or joint name land), a child of a registered farmer (son or daughter), or the husband or wife of a registered farmer.Death or permanent disability must be due to an accident. Suicide or natural death are not covered in this scheme. The age of a deceased or permanently disabled person ranges from 5 to 70 years. An application should be made within 150 days to the office of the concerned District Agriculture Officer.
Farmers Accidental Insurance Scheme Revised Rate of Assistance
As per the Agriculture, Farmers’ Welfare, and Cooperation Department’s revised resolution dated November 13, 2018, assistance for the beneficiary has been revised as below.
100% assistance of Rs. 2.00 lakh in the event of accidental death or permanent disability.
Accidental loss of two eyes, two limbs (hand and leg), or one eye and one hand or leg results in 100% assistance of Rs. 2.00 lakh (100% full sight loss in the case of the eye, loss of the upper part of the wrist in the case of the hand, and total cutoff from the knee in the case of the leg).
- in the absence of the husband or wife.
- Children, son or daughter, in their absence
- In the absence of a parent (father or mother),
- Grandson or granddaughter: In the absence of I, II, and III
Unmarried, widowed, or exiled sisters who are dependent and living with the beneficiary
Other than the above-mentioned and contentious cases, any heirs declared under the Heirs Act applied to the beneficiary involved.
How to get benefits of the scheme
In case of accidental death, the applicant will be the accidental farmer’s successor, and in the case of accidental disability, the applicant will be the disabled person himself. The applicant must submit the application, along with the necessary documents, to the concerned District Agricultural Officer, District Panchayat, within 150 days of the date of death or accidental disability. Applications received after 150 days will not be eligible.
List of documents attached with the claim application:
- Application in the prescribed form
- Annexures –1, 2, 3, 3(A), 4, and 5
- 7/12, 8-A, Form No. 6 (certified extract after death date)
- Post-mortem Report
- F.I.R. and spot panchnama: Police Inquest Report or Court Order
- Death Certificate and Age Proof
- Case Approval Report of the Sub Divisional Magistrate
- In the case of permanent disability, a disability certificate from the medical board or a photograph of the disability are required.
- In the case of the deceased, a valid driving licence was present at the time of the accident.
- Indemnity bond
- Heiritary Report (Pedhinamu)
- In a Successor Case (when the husband or wife are not Successors), a Heiritary Report (Pedhinamu) is required.
- Any other proof asked by the Director of Insurance
Farmers Accidental Insurance Changes in Scheme
The Finance Department of the Government of Gujarat combined the accidental insurance schemes of the various departments of the state into one comprehensive insurance scheme, which includes the Farmer Accidental Insurance Scheme, in a resolution dated June 25, 2007. From January 4, 2008, the scheme is being implemented by the Director of Insurance in Gandhinagar. On April 1, 2013, a comprehensive resolution was issued by amending the Finance Department’s resolution dated June 25, 2007.
The registered farmer’s first surviving child (son or daughter) was covered beginning April 1, 2012, and the registered farmer’s husband or wife was covered beginning April 1, 2016.
Official Site for Agriculture and farmer:
https://dag.gujarat.gov.in/farmers-accidental-insurance-scheme-guj.htm?Forms or G.R. related scheme :
According to the updated resolution from the Agriculture, Farmer Welfare and Co-operation Department dated November 13, 2018, the amount of assistance for the farmer accidental insurance scheme has increased, any child can now be covered in place of just the first survivor child, and registered farmers can now be covered according to their revenue records at the time of accident or permanent disability.