Fishermen Insurance Claims in Andhra Pradesh under GAIS

Why in news

Andhra Pradesh's participation in the Group Accidental Insurance Scheme (GAIS) under the Pradhan Mantri Matsya Sampada Yojana (PMMSY) has been highlighted, with a proposal received for the current financial year after a period of non-participation.

Exam relevance

GS2, GS3 · Governance, Economy, Society · Prelims · Mains

Key facts

1. Pradhan Mantri Matsya Sampada Yojana (PMMSY) is being implemented with a total cost of Rs. 20750 crore.
2. PMMSY provides group accidental insurance coverage to fishers and allied fish workers.
3. Insurance coverage includes Rs. 5,00,000 for death/permanent total disability, Rs. 2,50,000 for permanent partial disability, and Rs. 25,000 for hospitalization expenses due to accident.
4. Andhra Pradesh did not participate in the Group Accidental Insurance Scheme (GAIS) for the last five years.
5. A proposal for coverage of 2,84,888 fishers has been received for the current financial year.
6. The claim filing and settlement process is governed by policy terms and conditions.

Prelims pointers

• PMMSY aims for fisheries development across all States/Union Territories.
• PMMSY includes a group accidental insurance component for fishers.
• Insurance coverage under PMMSY includes death, disability, and hospitalization benefits.
• Funding pattern for insurance premium varies for States, North-Eastern States, and Union Territories.

Mains practice question

Discuss the significance of social security schemes like the Group Accidental Insurance Scheme (GAIS) under the Pradhan Mantri Matsya Sampada Yojana (PMMSY) for vulnerable communities. Analyze the challenges and potential improvements in their implementation, using the case of Andhra Pradesh's participation.

Static linkage

The Pradhan Mantri Matsya Sampada Yojana (PMMSY) is a flagship scheme aimed at sustainable development of the fisheries sector in India. The Group Accidental Insurance Scheme (GAIS) component under PMMSY is a social security measure for the welfare of fishers and allied workers.

Significance

The re-engagement of Andhra Pradesh with the GAIS under PMMSY is significant for the social security of its large fishing population. The scheme aims to provide financial protection against unforeseen events like death, disability, and hospitalization, thereby reducing the vulnerability of fishing communities. The successful implementation and claim settlement process are crucial for building trust and ensuring the scheme's effectiveness.

Way forward

Not specified in source