Gopinath Munde Accident Insurance Scheme: financial assistance up to ₹2 lakh, Detailed info.

The Gopinath Munde Accident Insurance Scheme was introduced to provide financial assistance to farmers or their families in case of accidental death or permanent disability while working in the fields or related agricultural activities. The scheme aims to offer insurance protection to farmers who face unfortunate accidents, ensuring that their families receive the necessary financial support during such times.

Key Changes in 2023:

In 2023, several significant changes were made to the Gopinath Munde Farmer Accident Insurance Scheme, now renamed as the “Gopinath Munde Farmer Accident Security Grant Scheme.” These changes are aimed at making the scheme more accessible and beneficial for farmers and their families:

1. Scheme Name: The scheme’s name has been changed from “Gopinath Munde Accident Insurance Scheme” to “Gopinath Munde Farmer Accident Security Grant Scheme.”
2. Land Ownership Not Required: Farmers are no longer required to own land in their name to benefit from this scheme.
3. Increased Insurance Amount: The insurance amount and benefits have been increased to provide better coverage.
4. Coverage for Two Family Members: Now, two members of the farmer’s family (including parents, spouse, son, and unmarried daughter) are eligible for accident insurance protection.
5. Government as Insurer: Due to issues faced by farmers with insurance companies, the government will now directly provide the insurance benefits.

Objective of the Gopinath Munde Accident Insurance Scheme

The primary objective of the Gopinath Munde Accident Insurance Scheme is to provide financial assistance to the families of farmers who face accidental death or permanent disability while working in the agricultural sector. This financial support is intended to help the families cope with the economic challenges that may arise due to the loss of the primary breadwinner or the incapacitation of the farmer.

Benefits of the Scheme:

Under the Gopinath Munde Farmer Accident Security Grant Scheme, farmers or their families are entitled to the following benefits:

1. Accidental Death: In case of accidental death, the family will receive a financial assistance of up to ₹2 lakh.
2. Permanent Disability: If a farmer becomes permanently disabled due to an accident, they will receive financial assistance of up to ₹2 lakh.
3. Partial Disability: If a farmer suffers partial disability due to an accident, they will receive financial assistance of up to ₹1 lakh.

Eligibility Criteria:

The Gopinath Munde Farmer Accident Insurance Scheme is available to the following individuals:

1. Farmers and Family Members: Any one member of the farmer’s family, including parents, spouse, son, and unmarried daughter, aged between 10 to 75 years, is eligible for this scheme.
2. Residents of Maharashtra: The applicant must be a permanent resident of Maharashtra.
3. Farmer or Farmer’s Family Member: The applicant must be a farmer or a member of a farmer’s family.

Exclusions from the Scheme:

Certain conditions are not covered under the Gopinath Munde Farmer Accident Insurance Scheme:

1. Natural Death: Natural death is not covered under the scheme.
2. Pre-existing Disability: Disability that existed before the insurance coverage is not eligible.
3. Suicide or Attempted Suicide: Accidents resulting from suicide or attempted suicide are not covered.
4. Accidents Due to Substance Abuse: Accidents caused by the consumption of drugs or alcohol are excluded.
5. Deliberate Self-injury: Intentional self-harm is not covered.
6. Accidents During Illegal Activities: Accidents occurring while engaging in illegal activities are not covered.

Required Documents:

To apply for the benefits under this scheme, the following documents are necessary:

1. Identity Proof: Aadhar card, PAN card
2. Address Proof: Ration card, Electricity bill, Aadhar card
3. Land Records: 7/12 extract
4. Farmer Certificate: Certificate from the Gram Panchayat or relevant office
5. Claim Form: Duly filled claim form
6. Age Proof: Birth certificate, school leaving certificate, Aadhar card, PAN card
7. Bank Details: Xerox of bank passbook, canceled cheque
8. FIR Copy: First Information Report (FIR) from the police
9. Inquest Report: Inquest report from the police
10. Death Certificate: Certificate of death
11. Disability Certificate: Certificate of disability from a competent authority
12. Photographs: Passport size photos
13. Medical Treatment Documents: Discharge card from the hospital, medical bills

How to Apply Gopinath Munde Accident Insurance Scheme:

If a farmer or their family faces an accident, the concerned party must submit a claim form along with all the required documents to the Taluka Agriculture Officer within 30 days of the incident.

Conclusion:

The Gopinath Munde Farmer Accident Insurance Scheme is a vital initiative to support the families of farmers who suffer due to accidents. By providing financial assistance in times of need, the scheme ensures that the affected families can cope with the challenges posed by the loss of their loved ones or the farmer’s inability to work due to disability. It is essential for eligible farmers and their families to be aware of this scheme and take advantage of the benefits it offers.