Sarkari Yojana
Kera Suraksha Insurance Scheme
About Kera Suraksha Insurance Scheme
Run under the Ministry of Agriculture and Farmers Welfare and implemented by the Coconut Development Board, the “Kera Suraksha Insurance Scheme” covers Coconut Tree Climbers (CTC), Neera Technicians, and Coconut Harvesters across all coconut-growing states. It offers a ₹7.00 lakh sum assured for 24-hour accident-related risks, including death. The annual premium is ₹956, of which the Board pays ₹717 and the beneficiary pays ₹239 via DD or online. > Objective:
1. Drawing unemployed youth toward greater involvement in agriculture. 1. To address the shortage of coconut tree climbers, the Board launched the ‘Friends of Coconut Tree (FoCT)’ skill development programme. 1. Interested youth are trained on climbing coconut trees using a specially developed machine, along with scientific palm management, plant protection techniques, and related activities.
Scheme Overview
Central Government
Ministry Of Agriculture and Farmers Welfare
Coconut Development Board
Individual
Scheme Details
Eligibility Requirements
To qualify for Kera Suraksha Insurance Scheme, applicants must satisfy the following conditions:
The applicant should be a Coconut Tree Climber/Neera…
The applicant should be a Coconut Tree Climber/Neera Technician/Coconut Harvester/Trainee.
The applicant's age should fall between 18 and…
The applicant's age should fall between 18 and 65 years. Responsibilities of Climbers /Harvesters/Neera Technicians/Trainees(Beneficiaries):
Submit insurance applications in the prescribed format with…
Submit insurance applications in the prescribed format with all mandatory documents.
Pay their share of the premium set by…
Pay their share of the premium set by the Board via demand draft/online mode.
Keep the policy document/policy number received from the…
Keep the policy document/policy number received from the Board safely.
Report any accident to the Board within 72…
Report any accident to the Board within 72 hours of it happening.
Submit the claim form with mandatory documents to…
Submit the claim form with mandatory documents to the Board, for accident-related hospital expenses/death, to receive scheme benefits.
Benefits Provided
Kera Suraksha Insurance Scheme provides the following benefits to eligible applicants:
1. Components under the scheme and present compensation (benefits apply to accidents only):
Death or Permanent Total disability is covered with…
Death or Permanent Total disability is covered with a sum insured of ₹7,00,000/-.
Permanent Partial Disablement carries a sum insured of…
Permanent Partial Disablement carries a sum insured of ₹3,50,000/-.
Hospital expenses are reimbursed up to ₹2,00,000/-, provided…
Hospital expenses are reimbursed up to ₹2,00,000/-, provided hospitalization lasts at least 24 hours.
Ambulance charges are paid up to ₹3,500/-
Ambulance charges are paid up to ₹3,500/-.
Weekly Compensation for TTD amounts to ₹21,000/-, limited…
Weekly Compensation for TTD amounts to ₹21,000/-, limited to 1 claim in a year for no more than six weeks at ₹3,500/- per week.
Bystander expenses during hospitalization are met up to…
Bystander expenses during hospitalization are met up to ₹3,000/-, at ₹200 per day for a maximum of 15 days.
Funeral expenses after an accidental death are covered…
Funeral expenses after an accidental death are covered up to ₹5,500/-, subject to production of bills. 2. Trainees undergoing the Board's skill development training, viz. Friends of Coconut Tree (FoCT)/Neera Technician Training Programme, have their first-year premium paid in full by the Board from the date training begins.
Documents Required
Applicants should keep the following documents ready before starting the application:
Documents required to apply under the scheme;
Applicant's Aadhaar card
Applicant's Aadhaar card
A document showing the applicant's age
A document showing the applicant's age
Certificate of caste, where applicable
Certificate of caste, where applicable
The Declaration for Assignment
The Declaration for Assignment
A signed Declaration Form
A signed Declaration Form
A certificate from the competent authority confirming that…
A certificate from the competent authority confirming that the applicant presently works as skilled labour in the role of Coconut Tree Climber/Neera Technician/Harvester
Particulars of the payment made
Particulars of the payment made
Any further document that may be required In…
Any further document that may be required In case of Accident:
The original Discharge summary or OP Ticket
The original Discharge summary or OP Ticket
Original medical bills, certified by a doctor
Original medical bills, certified by a doctor
Original lab reports, if there are any
Original lab reports, if there are any
An Immobilizations Certificate (disablement must have continued for…
An Immobilizations Certificate (disablement must have continued for at least 5 days)
A certificate of fitness
A certificate of fitness
Certificate of disability, where the accident caused disablement
Certificate of disability, where the accident caused disablement
For road accidents, the FIR/GD Entry/CSR/Police Report
For road accidents, the FIR/GD Entry/CSR/Police Report
NEFT particulars (Bank name, Branch, Account Number and…
NEFT particulars (Bank name, Branch, Account Number and IFSC)
The claim voucher, properly signed In case of…
The claim voucher, properly signed In case of Death:
Medical reports in original
Medical reports in original
The original Death Certificate
The original Death Certificate
A certificate of Legal Heirship
A certificate of Legal Heirship
The Post Mortem Report
The Post Mortem Report
A copy of the FIR
A copy of the FIR
Cutting of the newspaper report
Cutting of the newspaper report
The Viscera Report, if any
The Viscera Report, if any
The Inquest Report
The Inquest Report
NEFT particulars (Bank name, Branch, Account Number and…
NEFT particulars (Bank name, Branch, Account Number and IFSC)
The claim voucher with proper signature
The claim voucher with proper signature
How to Apply
Offline Application
Applicants can apply for Kera Suraksha Insurance Scheme through the offline application process outlined below.
Application Process
Applying for Insurance: Fill in the Application form, get it countersigned by the Agriculture officer/Panchayath President/CPF office bearers/CPC Directors, and send it with the premium share and age proof to the Chairman, Coconut Development Board, Kera Bhavan, SRVHS Road, Kochi - 682011, Kerala. Procedure for applying claim: Send every claim-related document and all correspondence to the Coconut Development Board office listed below: Headquarters: PB No. 1021, KERA BHAVAN, SRV Road, Kochi, Kerala - 682011, Tel: 0484 - 2376265, Fax: 0484 - 2377902, Contact person: Statistical Officer Email: ho-stats@coconutboard.gov.in (Application Forms) For any discrepancies/queries on claim settlement, you may contact: The office of The New India Assurance Company Limited, which implements KESRI: The New India Assurance Company Ltd, Divisional Office – I(730900), Jerome Building, 2nd Floor, Fort Station Road, Trichy -620 002
Objectives
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Official Application & Website
Verify the latest eligibility, dates and instructions before applying.