Kera Suraksha Insurance Scheme in India, Know More About It

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

1. Death/Permanent Total Disability: ₹5,00,000/-
2. Permanent Partial Disablement: ₹2,50,000/-
3. Hospital Expenses Reimbursement: ₹1,00,000/- (minimum 24 hours hospitalization)
4. Ambulance Charges: ₹3,000/-
5. Weekly Compensation: ₹18,000/- (Max 1 claim/year, for a maximum of six weeks @ ₹3,000/week)
6. Bystander Expenses: ₹3,000/- (Max for 15 days @ ₹200/day)
7. 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.

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