Vidhyadeep Yojana

Description
The scheme “Vidhyadeep Yojana” was launched by the Education Department, Government of Gujarat. The scheme aims to provide insurance cover to students studying in primary, secondary, and higher secondary schools in the State. The scheme provides maximum financial assistance up to ₹50,000/- per student in case of accidental death or permanent total disability. The scheme is implemented by the State Insurance Fund Directorate of Insurance or private/public sector general insurance companies. The applications for this scheme are accepted by the Office of the District Primary Education Officer / District Education Officer / Administrative Officer through the Principal of the school concerned .

Exclusions
• The claim will not be accepted if the death or injury is due to suicide or attempted suicide, natural death, or any act against the law.
• The claim will not be accepted if the death or injury is caused by any disease, age-related factors, food poisoning, or polio.
• The claim will not be accepted if the death or injury is due to the deceased's gross negligence, such as driving a vehicle without an effective and valid driving license as per the Motor Vehicle Act, 1988, Section 3.

Benefits
• ₹50,000/- per student.
• In case of loss of two eyes or both limbs or arm/leg due to accident: ₹50,000/-.
• In case of loss of one eye and one limb due to accident: ₹50,000/-.
• In case of loss of one eye or one limb due to accident: ₹25,000/-.
• The incident must be unexpected, sudden, and unintentional, and show visible signs of external violence.
• The claim application must be submitted to the Nodal Officer within ninety (90) days from the date of the accident or death.
• The benefit amount must not be paid for more than one category if the beneficiary is covered under multiple categories of the overall scheme.

Eligibility Criteria
1. > ***For the Student Beneficiary***
2. - The beneficiary must be a student studying in all Primary, Secondary, and Higher Secondary schools of Gujarat.
3. > ***For the Applicant/Claimant***
4. - The applicant must be the successor or the disabled beneficiary themselves in case of permanent disability.
5. - The applicant must appear in person with the original identity card.
6. - The applicant must submit the written application in the prescribed format to the local Nodal/Competent Officer.
7. - The application must be submitted within ninety (90) days from the date of death or accident.
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Application Process
Step 1: Step 1: The applicant must obtain the necessary application forms and annexures through the Principal of the concerned school where the student was studying.
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Step 1: The applicant must obtain the necessary application forms and annexures through the Principal of the concerned school where the student was studying.

Step 2: Step 2: The applicant must fully and comprehensively fill out the prescribed application form and gather all mandatory supporting documents to substantiate the claim. The application must be accompanied by the original Identity Card.
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Step 2: The applicant must fully and comprehensively fill out the prescribed application form and gather all mandatory supporting documents to substantiate the claim. The application must be accompanied by the original Identity Card.

Step 3: Step 3: The applicant (the heir in case of death, or the beneficiary in case of permanent disability) must submit the completed application along with all required proofs to the local Nodal/Competent Officer of the controlling office of the releva…
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Step 3: The applicant (the heir in case of death, or the beneficiary in case of permanent disability) must submit the completed application along with all required proofs to the local Nodal/Competent Officer of the controlling office of the relevant department. This submission must be done in person (not via post) within ninety (90) days from the date of the accident or death.

Step 4: Step 4: The Nodal Officer is responsible for fully checking and verifying the application and must forward the application, along with a certification in the prescribed format, to the Office of the Director of Insurance or the Insurance Company. T…
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Step 4: The Nodal Officer is responsible for fully checking and verifying the application and must forward the application, along with a certification in the prescribed format, to the Office of the Director of Insurance or the Insurance Company. This forwarding must occur within thirty (30) days of the Nodal Officer receiving the application.

Step 5: Step 1: Resolution by Insurer
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The Insurance Company or the State Insurance Fund must decide on the claim approval or rejection within sixty (60) days of receiving the application with complete and satisfactory information/documents.

Step 6: Step 2: Claim Closure Timeline
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If the applicant fails to provide all requested documentation and fulfillments within the stipulated time, the claim will be closed automatically. The claim will also be permanently closed twelve months after the date of the accident/death, and no reconsideration request will be accepted thereafter.
*If a claim is rejected, the beneficiary or their heir must first submit a representation to the designated Review Committee within thirty (30) days.
*Legal action against the Review Committee's decision can only be pursued after filing the review, and the legal/quasi-judicial/judicial jurisdiction is exclusively in Gandhinagar.
*Claim inquiries or representations must be made only by the applicant or beneficiary themselves, excluding any third parties like agents or lawyers.

Required Documents
• Certificate From the Principal of the School Stating That the Student Is Studying In the Specific Class/Standard.
• Original Certified Copy of the School Leaving Certificate, Where the Date of Leaving Must Be On Or After the Date of Death Or Injury.
• Certified Copy of the Identity Card (If Provided).
• Proof of Identity of the Applicant.
• Proof of Identity of the Deceased.
• Certified Copy of the First Information Report (FIR).
• Certified Copy of the Police Panchnama And Inquest Panchnama.
• Accidental Death Register.
• Certified Copy of the Death Certificate.
• Certified Copy of the Ration Card.
• Heirship Certificate (Pedhinamu) As Per Instruction Number 9.
• Indemnity Bond As Per Annexure (Revised).
• Advance Receipt of Money As Per Annexure-3 (With Revenue Stamp).
• Passport Size Photograph.
• Bank Passbook / Cancelled Cheque.
• Details And Documents Related To Hospital Treatment After the Accident, Such As Discharge Summary.
• Birth Certificate (Or Election Identity Card, only if the deceased/injured is illiterate and the Birth Certificate is unavailable).
• Certified Copy of the Charge Sheet / Detailed Report Under Section 173 of the Code of Criminal Procedure (CRPC).
• Dying Declaration.
• Certified Copy of the Final Police Investigation Report Presented To the Sub-Divisional Magistrate (SDM) With the SDM's Order.
• Certified Copy of the Postmortem Report.
• Certified Copy of the Forensic Science Laboratory (FSL) Report (If Applicable, where chemical analysis of organs was sent).
• Certificate From the Doctor Who Performed the Postmortem Stating the Cause of Death.
• Final Assessment Certificate From the Medical Board / Civil Surgeon.
• Postcard Size Photograph Showing Disability.
• Documents For Exceptional Cases:
• Collector's Accident Death Certificate (Where Postmortem Was Not Done In Extraordinary Circumstances, Police Papers Are Mandatory).

Frequently Asked Questions
Q: If the affected individual happens to be enrolled under this plan while simultaneously qualifying under another state insurance category, will they be eligible to receive compensation from both schemes?
A: No. Insurance compensation is payable only under one single category, even if the beneficiary is covered under multiple schemes simultaneously under the overall framework.
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Q: What is the mandatory time frame within which the necessary application form and all supporting documentation must be submitted to the local Nodal Officer?
A: The claim application must be submitted within ninety (90) days from the date of the student’s death or the date of the accident causing permanent disability.
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Q: If my compensation claim is formally rejected and I exhaust the internal review process, in which location can I file a lawsuit or pursue judicial action?
A: The exclusive legal, quasi-judicial, and judicial jurisdiction or authority for any resultant legal action is strictly limited to Gandhinagar.
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Q: If the student’s designated legal heir who is entitled to receive the compensation amount is still considered a minor, how is the payment handled?
A: The insurance amount must be paid to the minor&#39;s Natural Guardian or legal guardian, provided they submit the court order appointing them under the Guardian and Wards Act.
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Q: What specific characteristics must the incident leading to injury or death possess for it to be recognized as an 'accident' eligible for insurance coverage?
A: The incident must be unexpected, sudden, and unintentional, and must clearly display visible signs of external violence.
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Q: When I appear before the concerned Nodal Officer to submit the compensation request and mandatory supporting papers, am I required to carry specific identification proof?
A: Yes, the applicant (heir or disabled beneficiary) must appear in person and bring the original identity card at the time of claim submission.
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Q: Is there a maximum time limit for completing all required documentation and final compliance after the date of the accident or death before the claim is permanently closed?
A: Yes. The claim will be automatically closed and no request for reconsideration will be accepted twelve months after the date of the accident or death.
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Q: Who is considered an eligible participant for receiving financial coverage benefits under this student accident protection scheme implemented by the State Government?
A: The beneficiary must be a student currently studying in any Primary, Secondary, or Higher Secondary school operating within Gujarat State.
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Q: If I need to make an inquiry regarding the status of my pending claim, can a family friend, lawyer, or an agent represent me or seek information on my behalf?
A: No. Claim inquiries or representations must be made only by the applicant or beneficiary themselves, excluding any third parties like agents or lawyers.
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Q: Are there specific circumstances related to the cause of death or injury that would automatically make a beneficiary ineligible to receive the insurance funds?
A: Yes. Claims will not be accepted if the death or injury is caused by suicide, attempted suicide, natural death, or any act that is determined to be against the law or statute.
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Q: If the insurance provider formally communicates a decision rejecting my application for compensation, what is the mandatory first step I must take to challenge this decision?
A: You or your successor must first submit a representation regarding the rejected claim to the designated Review Committee within thirty (30) days of the rejection.
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Q: If the applicant lives far away or has difficulty traveling, is it permissible to send the completed compensation application and supporting papers via postal mail?
A: No, the applicant or successor must submit the written application in the prescribed format to the local Nodal Officer in person; submission via post is not allowed under any circumstances.
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Q: Can the benefit amount be denied if the accidental death or injury occurred while the student was driving a motorized vehicle at the time of the incident?
A: Yes, if the incident resulted from the deceased&#39;s gross negligence, such as driving without an effective and valid driving license as required by Section 3 of the Motor Vehicle Act, 1988.
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Q: Are there any specific types of accidents involving railways that are explicitly excluded from receiving benefits under this insurance plan?
A: Yes, if the death or injury occurs due to illegal entry or trespass near railway tracks or railway engines without permission, as per the Indian Railway Manual.
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