Kera Suraksha Insurance Scheme
The ‘Kera Suraksha Insurance Scheme,’ a comprehensive Group Personal Accident Insurance initiative, has been implemented by the Coconut Development Board in collaboration with Public Insurance companies. This initiative focuses on providing coverage to Coconut Tree Climbers, Neera Technicians, and Coconut Harvesters, contributing to their welfare and safety.
Overview table of Kera Suraksha Insurance Scheme
| Aspect | Details |
|---|---|
| Scheme Name | Kera Suraksha Insurance Scheme |
| Implementing Authority | Coconut Development Board |
| Collaborators | Public Insurance Companies |
| Target Beneficiaries | Coconut Tree Climbers, Neera Technicians, Coconut Harvesters, Trainees |
| Premium Structure | ₹375 annually (Board contributes ₹281, beneficiaries contribute ₹94; first-year premium fully covered for trainees) |
| Renewal Period | Annually with a ₹94 contribution from the beneficiary |
| Objective | Attracting unemployed youth to the agriculture sector through specialized training |
| Benefits | – Death/Permanent Total Disability: ₹5,00,000/- – Permanent Partial Disablement: ₹2,50,000/- – Hospital Expenses Reimbursement: ₹1,00,000/- – Ambulance Charges: ₹3,000/- – Weekly Compensation: ₹18,000/- (Max 1 claim/year, for a maximum of six weeks @ ₹3,000/week) – Bystander Expenses: ₹3,000/- (Max for 15 days @ ₹200/day) – Funeral Expenses: ₹5,000/- |
| Premium Sharing | Annual premium of ₹375, shared in a 75:25 ratio between the Board and the beneficiaries |
| Eligibility | Applicants must be Coconut Tree Climbers, Neera Technicians, Coconut Harvesters, or Trainees, aged 18 to 65 years |
| Responsibilities of Beneficiaries | – Submit insurance applications with mandatory documents – Pay their share of the premium – Safeguard policy documents – Report accidents to the Board within 72 hours – Submit claim forms for accidents-related hospital expenses/death |
| Application Process | Offline: Submit filled application forms, along with premium share and age proof, to the Chairman, Coconut Development Board, Kera Bhavan, Kochi |
| Documents Required | – Aadhaar card – Proof of age – Caste certificate (if applicable) – Declaration for Assignment – Certificate from competent authority confirming current engagement in skilled labor – Any other document as required |
| Documents Required in Case of Accident | – Original discharge summary/OP ticket – Original medical bills – Original lab reports – Immobilization certificate – Fitness certificate – Disability certificate – FIR/GD Entry/CSR/Police report (for road accidents) – NEFT details – Duly signed claim voucher |
| Documents Required in Case of Death | – Original medical reports – Original death certificate – Legal heirship certificate – Post-mortem report – FIR – Newspaper cutting – Viscera report – Inquest report – NEFT details – Duly signed claim voucher |
| Conclusion | The Kera Suraksha Insurance Scheme provides financial protection and encourages youth participation in the agriculture sector. |
Kera Suraksha Insurance Scheme Details
- Premium Structure: The annual premium for the scheme is ₹375, shared in a 75:25 ratio between the Coconut Development Board and the beneficiaries. Additionally, trainees undergoing skill development training have their first-year premium fully covered by the Board.
- Renewal: The insurance period is one year, requiring annual renewal with a ₹94 contribution from the beneficiary. The scheme’s reach extends across all coconut-growing states in India.
Objective
The primary goal of the Kera Suraksha Insurance is to attract unemployed youth to the agriculture sector. In response to the shortage of coconut tree climbers, the Board initiated the ‘Friends of Coconut Tree (FoCT)’ program, providing specialized training in coconut tree climbing, plant management, and related activities.
Kera Suraksha Insurance Scheme Benefits
- Death/Permanent Total Disability: ₹5,00,000/-
- Permanent Partial Disablement: ₹2,50,000/-
- Hospital Expenses Reimbursement: ₹1,00,000/- (minimum 24 hours hospitalization)
- Ambulance Charges: ₹3,000/-
- Weekly Compensation: ₹18,000/- (Max 1 claim/year, for a maximum of six weeks @ ₹3,000/week)
- Bystander Expenses: ₹3,000/- (Max for 15 days @ ₹200/day)
- Funeral Expenses: ₹5,000/-
Premium Structure and Eligibility
- Premium Sharing: The annual premium is ₹375, with the Board contributing ₹281, and the beneficiary’s share being ₹94.
- Eligibility: Applicants must be Coconut Tree Climbers, Neera Technicians, Coconut Harvesters, or Trainees, aged between 18 to 65 years.
Responsibilities of Beneficiaries
Beneficiaries are required to:
- Submit insurance applications with mandatory documents.
- Pay their share of the premium.
- Safeguard policy documents.
- Report accidents to the Board within 72 hours.
- Submit claim forms for accidents-related hospital expenses/death.
Kera Suraksha Insurance Scheme Application Process
- Offline Process: Submit filled application forms, along with premium share and age proof, to the Chairman, Coconut Development Board, Kera Bhavan, Kochi.
Documents Required
- Aadhaar card
- Proof of age
- Caste certificate (if applicable)
- Declaration for Assignment
- Certificate from competent authority confirming current engagement in skilled labor
- Any other document as required
In Case of Accident
- Original discharge summary/OP ticket
- Original medical bills
- Original lab reports
- Immobilization certificate
- Fitness certificate
- Disability certificate
- FIR/GD Entry/CSR/Police report (for road accidents)
- NEFT details
- Duly signed claim voucher
In Case of Death
- Original medical reports
- Original death certificate
- Legal heirship certificate
- Post-mortem report
- FIR
- Newspaper cutting
- Viscera report
- Inquest report
- NEFT details
- Duly signed claim voucher
Conclusion: Kera Suraksha Insurance Scheme
The ‘Kera Suraksha Insurance Scheme’ not only provides financial protection but also encourages the participation of youth in the agriculture sector. With comprehensive coverage and support, it stands as a beacon of security for those engaged in the vital task of climbing coconut trees and harvesting this valuable crop.
Frequently Asked Questions
Ans: The Kera Suraksha Insurance Scheme is a comprehensive Group Personal Accident Insurance initiative established by the Coconut Development Board in collaboration with Public Insurance companies. It aims to provide coverage to Coconut Tree Climbers, Neera Technicians, and Coconut Harvesters, ensuring their welfare and safety.
Ans: The scheme covers various benefits including Death/Permanent Total Disability, Permanent Partial Disablement, Hospital Expenses Reimbursement, Ambulance Charges, Weekly Compensation, Bystander Expenses, and Funeral Expenses.
Ans: The annual premium for the scheme is ₹375, with a sharing ratio of 75:25 between the Coconut Development Board and the beneficiaries. Trainees undergoing skill development training have their first-year premium fully covered by the Board.
Ans: Applicants must be Coconut Tree Climbers, Neera Technicians, Coconut Harvesters, or Trainees, aged between 18 to 65 years.
Ans: Beneficiaries are required to submit insurance applications with mandatory documents, pay their share of the premium, safeguard policy documents, report accidents to the Board within 72 hours, and submit claim forms for accidents-related hospital expenses or death.
- 27 April 2024 Current Affairs in English
- SSC CGL Exam Date 2024, Check SSC CGL 2024 Exam Schedule
- Important Days in April 2024, Check National and International Dates
- Important Days in May 2024, Check National & International Dates
- World Veterinary Day 2024 (27th April), Its History & Significance
Oliveboard Live Courses & Mock Test Series
