What you get
- Components under the scheme and present compensation: | Sl. No.Benefits available - due to accidents onlySum insured1Death/Permanent Total disability₹7,00,000/-2Permanent Partial Disablement ₹3,50,000/-3Hospital expenses reimbursement (minimum 24 hours hospitalization)₹2,00,000/- 4Ambulance charges₹3,500/-5Weekly Compensation in case of TTD₹21,000/- (Maximum 1 claim in a year for a maximum of six weeks @₹3,500/- per week)6Bystander expenses in case of hospitalization₹3,000/- (Maximum for 15 days @ ₹200 per day)7Funeral expenses in case of accidental death (subject to production of bills)₹5,500/-2. For the trainees ongoing the skill development training of the Board viz. Friends of Coconut Tree (FoCT)/Neera Technician Training Programme, the first-year premium is fully borne by the Board from the date of commencement of training.
Who can apply
Required Paperwork
- Aadhaar Card
- PAN Card
- Income Certificate
- Residence Proof (Domicile)
Common Questions
What is the Kera Suraksha Insurance Scheme?
The Kera Suraksha Insurance Scheme is a comprehensive Group Personal Accident Insurance Scheme initiated by the Coconut Development Board, Ministry of Agriculture and Farmers Welfare, Government of India. It is designed for Coconut Tree Climbers, Neera Technicians, and Coconut Harvesters, implemented in collaboration with Public Insurance companies.
Which department has launched this scheme?
Coconut Development Board, Ministry of Agriculture and Farmers Welfare, Government of India
Who is eligible for the scheme?
Coconut Tree Climbers, Neera Technicians, and Coconut Harvesters are eligible for the scheme. Additionally, trainees undergoing skill development training under the Friends of Coconut Tree (FoCT) and Neera Technician Training Programme are covered, with the first-year premium fully borne by the Board.
What is the annual premium for the insurance?
The annual premium for the insurance is [?]375, shared between the Coconut Development Board and the beneficiary in the ratio of 75:25. Trainees undergoing skill development training have the first-year premium covered by the Board.
How long is the insurance coverage valid?
The insurance coverage is valid for one year and needs to be renewed annually by paying [?]94 as a contribution from the beneficiary.
What is the objective of the Kera Suraksha Insurance Scheme?
The scheme aims to attract unemployed youth to the agriculture sector, overcome the shortage of coconut tree climbers, and promote skill development through programs like Friends of Coconut Tree (FoCT).
What benefits are provided under the scheme?
The scheme provides various components and compensation: | - Death/Permanent Total Disability: [?]5.00 lakhs | - Permanent Partial Disability: [?]2.50 lakhs | - Hospital Expense (24 hours IP): [?]1,00,000/- (Maximum) | - Weekly Compensation in case of Temporary Total Disability (TTD): [?]18,000/- | - Bystander Expense: [?]3,000/- (Maximum 15 days @ [?]200 per day) | - Ambulance Charges: [?]3,000/- | - Funeral Expenses (subject to producing bills): [?]5,000/-
In which states is the scheme implemented?
The scheme is implemented in all coconut-growing states across India.
How can beneficiaries renew their insurance coverage each year?
Beneficiaries can renew their insurance coverage by paying a yearly contribution of [?]94. The renewal process should be completed annually to ensure continuous coverage under the scheme.
What is the age criterion for eligibility?
Applicants should be between 18 to 65 years of age to qualify for the Scheme.
How is the premium payment handled by the beneficiaries?
Beneficiaries are responsible for paying their share of the premium, as prescribed by the Board. Payment can be made through demand draft or online mode.
What is the timeline for reporting accidents to the Board?
In the event of an accident, beneficiaries must intimate the Board within 72 hours of its occurrence.
What is the process for claiming benefits under the scheme in case of accidents?
Beneficiaries are required to submit the claim form, along with mandatory documents, to the Board for accidents related to hospital expenses or death, to avail the benefits under the scheme.
How can I apply for the scheme?
Application form duly filled in and countersigned by Agriculture officer/Panchayath President/CPF office bearers/CPC Directors along with premium share and age proof needs to be sent to Chairman, Coconut Development Board, Kera Bhavan, SRVHS Road, Kochi - 682011, Kerala.