GST trader insurance scheme sets eligibility, claim procedure, spouse priority, and delayed payment interest rules. Insurance scheme for GST-registered sole proprietorships, partnership firms and Hindu Undivided Families in the State provides accidental death cover of Rs. 5,00,000 for one year, with proposals invited only from IRDA-registered insurers having a branch in Uttarakhand. The scheme covers traders registered on the commencement date and those registering during the scheme period, excludes companies and government bodies, and ceases automatically on cancellation of registration. Claims are payable to the surviving spouse or, failing that, under nomination or succession certificate, with application to be made through the jurisdictional tax within 90 days and settlement within three months, failing which penal interest applies.