Gujarat Farmers Accidental Insurance Scheme

Under the Farmers’ Accidental Insurance Scheme of the Gujarat Government, Financial Assistance of Rs. 1 Lakh to Rs. 2 Lakh will be provided in case of death or disability of a farmer, their spouse, or their children.
Read the complete article to get full details about the scheme.

Introduction of Gujarat Farmers Accidental Insurance Scheme: A Brief Insight

• Farming is a very risky occupation in which lots of risky behaviour is involved in everyday agricultural activity.
• There will always be a need for insurance cover for farmers, which can compensate for the losses incurred.
• Gujarat Government started its own farmers’ insurance scheme on 26-01-1996 and named it as “Farmers Accidental Insurance Scheme”.
• Since then, the Government of Gujarat make tons of amendments in this scheme on 01-04-2008, 01-04-2012, 01-04-2016, and on 13-11-2018.
• Earlier, the name of this scheme was “Janta Juth Farmers Accidental Insurance Scheme”.
• Agriculture, Farmer Welfare and Co-operation Department of the Gujarat Government is the implementing department of this scheme.
• Financial Assistance will be provided by the government in case of the accidental death or disability of a farmer and their family members.
• Earlier, financial assistance had been provided only for death and disability that occurred to the farmer.
• But after certain amendments, the benefit of the Farmers’ Accidental Insurance Scheme was then extended to immediate family members also.
• Now, the Death or Disability of a Farmer, their spouse, and their legal heir are covered under the Gujarat Government’s Farmers Accidental Insurance Scheme.
• Insurance claims under this scheme will only be applicable if the age of the deceased/ disabled person is more than 5 years and less than 70 years.
• Rs. 2,00,000/- financial assistance will be provided to the applicant in case of :-
  • Accidental Death.
  • Complete Disability.
  • Loss of Two Eyes or Two Limbs or Hand and Leg or One Eye and One Limb.
• Whereas Rs. 1,00,000/- will be provided in case of loss of One Eye or One Limb.
• Financial Assistance provided under the Farmers’ Accidental Insurance Scheme will be transferred directly to the bank account of the claimant.
• There is no Online Application Form or Official Website of the Farmers Accidental Insurance Scheme is available right now.
• Offline Application Form of the Scheme is available in the District Agriculture Officer’s Office or from the Gram Sevak Office.
• The claimant will have to file claim under Farmers Accidental Insurance Scheme of the Gujarat Government within 150 days of death or accident.
• Contact the DAO (District Agriculture Officer) in case any help or assistance is required regarding the scheme.
• Farmers can also apply for Kisan Parivahan Yojana in which they can claim a subsidy on the purchase of Medium goods Vehicles.
• And if the female farmers is a member of Women Self Help Groups then they can apply for the NAMO Drone Didi Scheme for increase of Income.

Benefits Provided to Eligible Beneficiaries

• Legal Heirs of Deceased Farmer or Family Members and Disabled Applicant Beneficiary will get the following benefits from the Gujarat Government under its Farmers Accidental Insurance Scheme :-
  • Financial Assistance will be provided in case of the Accidental Death of a Farmer or their Family Member.
  • Financial Assistance will also be provided in case of Permanent or Partial Disability.
  • The following are the financial assistance provided under the Government of Gujarat’s Farmers Accidental Insurance Scheme :-
    

    Type	Amount
    Accidental Death 100% Permanent Disability	Rs. 2,00,000/-
    Accidental Loss of Two Eye OR, Two Limbs OR Hand and Leg	Rs. 2,00,000/-
    Accidental Loss of One Eye and One Limb	Rs. 2,00,000/-
    Accidental Loss of One Eye or One Limb	Rs. 1,00,000/-

Eligibility Conditions Required to be Fulfilled

• Government of Gujarat sets the following eligibility criteria for applicants, and the benefits of the Farmers Accidental Insurance Scheme will only be provided to those applicants who fulfill the eligibility conditions of scheme :-
  • Only Permanent residents of Farmers and their Families are Eligible.
  • There should be an Agriculture Land or Record in the name of the Farmer.
  • The cause of Death/ Disability of Farmers or Family members should be Accidental.
  • The Age of the Deceased or Disabled should be between 5 to 70 years.
  • Natural or Suicidal Death is Not Eligible for Claim.

Documents Required to be Attached

• Applicant Beneficiary will have to submit the following documents at the time of claiming the insurance amount under the Farmers Accidental Insurance Scheme of the Gujarat Government :-
  • Post Mortem Report. (In Case of Death)
  • Copy of First Information Report. (FIR)
  • Panchnama or Police Inquest Report or Court Order.
  • Death Certificate.
  • Certificate of Disability. (In Case of Disability)
  • SDM Report or Police Tapas Report.
  • Valid Identity Card of Deceased or Disabled Applicant.
  • Aadhaar Card.
  • Recent Color Photograph.
  • Bank Account Number and IFSC Code.

How Beneficiaries Can Apply to Avail the Benefit of this Scheme

• In case of the death of a farmer or a family member or if a farmer or a family member suffers partial or permanent disability, then the applicant can claim the amount of insurance by applying under the Farmers Accidental Insurance Scheme through the Offline Application Form.
• It is mandatory for a applicant to apply for the insurance claim amount within 150 days from the date of the deceased’s death/ accident.
• Gujarat Government’s Farmers Accidental Insurance Scheme Application Form can be collected free of cost at any of the below mentioned government offices :-
  • Gram Sevak.
  • Assistant Director of the Agriculture Office.
  • District Agriculture Officer’s Office.
• Collect the Application Form from the above-mentioned offices and fill it correctly without making any mistakes.
• Attach all the required documents with the application form.
• Application Form of Farmers Accidental Insurance Scheme, along with all the documents, will be submitted in the same office from where the application form is collected.
• District Agriculture Officer will verify the received application form and documents and make a list of eligible applicants.
• A list of Eligible Applicants will be forwarded to the Agriculture, Farmer Welfare ,and Co-operation Department for approval.
• Approved List of Eligible Applicants will be forwarded to empanaled insurance company for disbursement of the insurance company.
• Insurance Company will disburse the insurance amount directly in the bank account of the applicant.
• Application Status of the Farmer Accidental Insurance Scheme can be checked by visiting the District Agriculture Officer.

Important Links Available

• Sample Application Form of Farmers Accidental Insurance Scheme Gujarat.
• Guidelines of Farmers Accidental Insurance Scheme Gujarat.
• Official Website of Agriculture, Farmer Welfare and Co-operation Department Gujarat.
• Contact Details of Agriculture, Farmer Welfare and Co-operation Department Gujarat.

Contact Details in Case of Help Needed

• Contact Number of Agriculture, Farmer Welfare and Co-operation Department Gujarat :- 079 23256116.
• Contact Email of Agriculture, Farmer Welfare and Co-operation Department Gujarat :-
  • secagri@gujarat.gov.in.
  • dir-agr@gujarat.gov.in..
• Address of Agriculture, Farmer Welfare and Co-operation Department Gujarat :-
  Block No. 5, First Floor,
  New Sachivalaya, Gandhinagar,
  Gujarat.

Frequently Asked Questions

• What is the Gujarat Government’s Farmers Accidental Insurance Scheme?
  -It is a government insurance scheme that provides financial assistance to farmers and their family members in case of accidental death or disability.
• When was this scheme launched in Gujarat?
  -The scheme was launched on 26th January 1996 by the Government of Gujarat.
• Who are the eligible beneficiaries under this scheme?
  -Registered farmers of Gujarat, their spouses, and legal heirs are eligible for the benefits.
• What is the maximum financial assistance provided under the Farmers Accidental Insurance Scheme?
  -Rs. 2,00,000 is provided in case of accidental death or 100% permanent disability.
• What is the time limit to file an insurance claim under this scheme?
  -The insurance claim must be filed within 150 days from the date of the accident or death.
• Is there an online application process for this scheme?
  -No, currently the application process is completely offline.
• From where can the application form be collected?
  -The form can be collected from the Gram Sevak, District Agriculture Officer, or the Assistant Director of Agriculture office.
• What documents are required to file a claim under this scheme?
  -Required documents include Post-Mortem Report, FIR, Death Certificate, Disability Certificate, Aadhaar Card, Bank details, and a recent photograph are required.
• Does the scheme cover natural or suicidal deaths?
  -No, the scheme only covers accidental deaths or disabilities.
• What is the eligible age limit for the insured person under this scheme?
  -The person must be aged between 5 years and 70 years.
• What should be done if a claim is rejected under the Gujarat Farmers Accidental Insurance Scheme?
  -The applicant should contact the District Agriculture Officer to know the reason and reapply after necessary corrections.

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