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Banking,Financial Services and Insurance; Social welfare & Empowerment

Group Personal Accident Insurance Scheme For Coir Workers

A group insurance scheme by MoMSME for coir workers. The scheme provides insurance cover against accidental death and permanent disability of the insured member.

Authority

Central

Region

Central Government

Status

Verified 2026

Updated

March 2026

What you get

Who can apply

The applicant must be EITHER a disabled coir worker OR nominee of the disabled/deceased coir worker.; If the applicant is a disabled coir worker, he/she should be at least 14 years in age.; If the applicant is a disabled coir worker, the percentage of disability should be at least 40%.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

What defines ‘permanent disability’ as per this scheme?

For the purpose of this scheme, "permanent total disability" means loss of two eyes or two limbs, loss of one eye and one limb.

What is the maximum financial assistance provided for death due to accident?

A financial assistance of Rs.50,000 is provided for death occurring from accident.

Are there any benefits for the children of the applicant?

As of now, there is no provision for providing benefits to the children of the applicant.

Are there any benefits specific to women in this scheme?

Not at the moment but onsidering the welfare of the women, the coir board will include the additional facilitates such as death and disablement arising out of and traceable to sterilization and consequent complications arising out of pregnancy, childbirth, caesarean hysterectomy, removal of the breast as well as murder and rape etc.

I am a 45 year old khadi weaver. I seek to know if I am too old to apply for the scheme?

There is no upper age limit in this scheme. You are therefore eligible to apply.

Do I need to be from a particular state in order to be eligible for this scheme?

The scheme is equally applicable to citizens across all the states of India.

Are there any exclusions to this scheme?

The insurance cover will not be applicable under the following cases: | Normal or natural death. | Death due to any disease. | Death not traceable to or linked to any accident. | Self - injury, suicide or attempted suicide. | Performing any crime of law with criminal intent. | Venereal disease or insanity. | Impact of alcoholic drinks or drugs. | War and allied perils | Nuclear explosion.