Shahidvir Kinariwaala Student Security Group Insurance Scheme

What is the Shahidvir Kinariwaala Student Security Group Insurance Scheme?

The Shahidvir Kinariwaala Student Security Group Insurance Scheme is a group personal accident cover run by the Government of Gujarat for students enrolled in primary, secondary and higher secondary schools across the state. The scheme is named after Vinod Kinariwala, the student who was killed in Ahmedabad during the Quit India movement in August 1942 and is remembered in Gujarat as Shahid Veer Kinariwala. Readers searching in Gujarati will find the same scheme written as "શહીદવીર કિનારીવાલા વિદ્યાર્થી સુરક્ષા જૂથ વીમા યોજના".

The scheme sits inside the larger Gujarat Samuhik Janta Juth Akasmat Vima Yojana (GSJJAVY), the state's umbrella group accident insurance programme. According to the GSJJAVY portal maintained by the Directorate of Insurance under the Finance Department, the umbrella scheme covers eleven separate beneficiary categories including registered farmers, landless labourers, police personnel, diamond workers, safai kamdars, orphan widows, jail guards, persons with disabilities, college students, and primary and secondary students. The Shahidvir Kinariwaala cover is the school-student stream of that programme, and the Education Department is the sponsoring department while the Directorate of Insurance settles the money.

Key features

• The premium is paid entirely by the Government of Gujarat. No student, parent or school contributes anything.
• Enrolment is automatic. A student on the rolls of a recognised Gujarat school is covered without filling any form in advance.
• The cover is an accident policy, not a health or life policy.
• Payment is made to the parent or legal guardian, or to the student in a disability claim.
• There is no income limit and no caste or category restriction.

How much does the Shahidvir Kinariwaala scheme pay?

The benefit is structured in two slabs, in line with the standard GSJJAVY personal-accident schedule:

Gujarat's Education Minister has stated in public remarks reported by the state press that the assistance paid to guardians after a student's accidental death began at Rs 50,000 and was later raised to Rs 1,00,000, and that no income ceiling is applied. The same statement noted that over a two-year period the guardians of 31 students had received assistance under the scheme, which is a useful reminder that this is a low-volume, high-impact cover rather than a mass entitlement.

The amount is paid once per student. The scheme does not reimburse hospital bills, does not pay for temporary injury, and does not pay a monthly amount.

Who is eligible under the Shahidvir Kinariwaala scheme?

Covered students

• Students enrolled in government, grant-in-aid and recognised private primary, secondary and higher secondary schools located in Gujarat.
• Students of any caste, religion, gender or family income. There is no income limit.
• Students whose death or permanent disability results from an accident, road accident, drowning, electrocution, fall, snakebite, fire, or similar.

Who cannot apply or is not eligible

• Families of a student who died of illness or natural causes. The cover is an accident policy only.
• Families where the death is established as suicide, which is excluded from the personal-accident schedule.
• Claimants where the student was not on the rolls of a recognised Gujarat school on the date of the accident, for example a school dropout.
• Claims for temporary injury or medical expenses, which the scheme does not cover even after a genuine accident.
• Students of colleges and universities, who are not eligible under this stream, they fall under the separate "College Students" category of the Gujarat Samuhik Janta Juth Akasmat Vima Yojana.
• Anyone other than the parent, legal guardian or established legal heir of the student.

What documents are required for a Shahidvir Kinariwaala claim?

The FIR and the post-mortem report are the two documents that most often delay a claim. Both should be collected at the time of the incident, because obtaining them months later from a police station or a civil hospital is considerably harder.

How to apply for the Shahidvir Kinariwaala Student Security Group Insurance Scheme

1. Report the accident to the school immediately. The principal or head teacher is the entry point for this scheme, because the school holds the enrolment record that proves the student was covered.
2. Collect the police papers. Obtain a copy of the FIR and the panchnama from the police station that registered the case, and the post-mortem report from the hospital where it was conducted.
3. Obtain the death certificate from the Talati-cum-Mantri if you live in a village, or from the municipality or municipal corporation if you live in a town or city. For a disability claim, obtain a permanent disability certificate from a civil surgeon or government medical board instead.
4. Fill the claim form supplied by the school, attaching the school bonafide certificate, the Aadhaar cards of the student and the claimant, the claimant's bank passbook copy, and the proof of relationship.
5. Submit the complete set to the school, which forwards it to the District Education Officer. Ask for an acknowledgement with a date on it — that date is your proof of timely filing.
6. The District Education Officer verifies enrolment and forwards the file to the Directorate of Insurance, Gandhinagar, which sanctions the amount.
7. Track the claim on the Gujarat Akasmat Vima Yojana portal at gsjjavy.gujarat.gov.in using the claim-status option, or follow up with the Directorate of Insurance on 079-23254967.

There is no self-service online application. The portal is a tracking and information system, not a submission counter, so the school route cannot be skipped.

How to check the status of a student insurance claim

1. Open gsjjavy.gujarat.gov.in.
2. Choose the claim status option on the home page.
3. Enter the claim or reference number given by the District Education Officer.
4. If the number is not working, call the Directorate of Insurance on 079-23254967 or write to adminoff-ins@gujarat.gov.in with the student's name, school, district and date of accident.

The portal also carries a beneficiary-information section and an SSO login for departmental users, so a district office can look up a file that a family cannot find.

Why student insurance claims get rejected

• No FIR or panchnama. Without police papers the insurer cannot establish that the cause was an accident, and the claim fails on the first test.
• Cause of death recorded as illness. A cardiac arrest or a fever death does not qualify, however sudden it was.
• Enrolment not proved. A student who had left school, or whose name had been struck off the register, is outside the cover.
• Delay. Papers filed long after the event are harder to verify, and the Directorate of Insurance may seek an explanation for the gap before settling.
• Bank details mismatched. A claimant's name spelt differently on Aadhaar and in the bank record will stall the transfer even after sanction.
• Wrong stream. A college student's family filing under the school stream is redirected to the college-student category, which costs weeks.

Most rejections are fixable. A rejection for missing papers is not final. The same claim can be resubmitted once the FIR copy or the post-mortem report is obtained.

Where to raise a grievance

• Directorate of Insurance, Gujarat: 3rd floor, Block No. 17, Dr Jivraj Mehta Bhavan, Old Sachivalaya, Gandhinagar. Phone 079-23254967, email adminoff-ins@gujarat.gov.in.
• District Education Officer of the district where the school is located, for delays at the verification stage.
• Education Department, Government of Gujarat, for policy questions about coverage and amounts.

No fee is payable at any stage of this scheme. The premium is borne by the state government, the school forwards the claim without charge, and the sanctioned amount reaches the claimant's bank account in full.