Kera Suraksha Insurance Scheme

Description
The "Kera Suraksha Insurance Scheme," under the Ministry of Agriculture and Farmers Welfare and implemented by the Coconut Development Board, provides coverage for Coconut Tree Climbers CTC , Neera Technicians, and Coconut Harvesters in all coconut-growing states. The scheme offers a sum assured of ₹7.00 lakhs for 24-hour accident-related risks, including death. The annual premium is ₹956, with ₹717 covered by the Board and ₹239 paid by the beneficiary via DD or online mode. Objective: 1. The aim is to attract unemployed youth to show more interest in the agriculture sector. 1. To overcome the shortage of coconut tree climbers, the Board launched a skill development program called & 39;Friends of Coconut Tree FoCT . 1. Interested youths were imparted training on coconut tree climbing with a machine specially developed for the purpose as well as on scientific management of the palm, plant protection techniques, and other related activities.

Benefits
• 1. Components under the scheme and present compensation:

Eligibility Criteria
1. The applicant should be a Coconut Tree Climber/Neera Technician/Coconut Harvester/Trainee.
2. The age of the applicant should be between 18 to 65 years.
3. > **Responsibilities of Climbers /Harvesters/Neera Technicians/Trainees(Beneficiaries):**
4. Submit applications for insurance under the insurance scheme in the prescribed format with all mandatory documents.
5. Payment of his/her/their share of premium prescribed by the Board by way of demand draft/ online mode.
6. Safe custody of policy document/ policy number received from the Board
7. Intimation of accident within 72 hours of its occurrence to Board.
8. Submission of claim form along with mandatory documents to Board, in case of accidents-related hospital expenses/death, for getting benefits under the scheme.

Required Documents
• Aadhaar card
• Proof of age
• Caste certificate, if applicable
• Declaration for Assignment
• Declaration Form
• Certificate issued by competent authority stating that the applicant is currently engaged in skilled labour as a Coconut Tree Climber/Neera Technician/Harvester
• Payment details
• Any other document, as required
• Original Discharge summary/ OP Ticket
• Original Medical Bills ( duly certified by a doctor)
• Original Lab reports(if any)
• Immobilizations Certificate (Minimum 5 days continuous disablement is required)
• Fitness Certificate
• Disability Certificate (In case of disablement due to accident)
• FIR/GD Entry/CSR/Police Report (In case of road accident)
• NEFT details (Bank name, Branch, Account Number and IFSC)
• Duly signed claim voucher
• Original Medical Reports
• Original Death Certificate
• Legal Heirship certificate
• Post Mortem Report
• FIR
• Newspaper cutting
• Viscera Report (if any)
• Inquest Report
• NEFT details (Bank name, Branch, Account Number and IFSC)
• Duly signed claim voucher

Frequently Asked Questions
Q: What is the Kera Suraksha Insurance Scheme?
A: 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.

Q: Which department has launched this scheme?
A: Coconut Development Board, Ministry of Agriculture and Farmers Welfare, Government of India

Q: Who is eligible for the scheme?
A: 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.

Q: What is the annual premium for the insurance?
A: 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.

Q: How long is the insurance coverage valid?
A: The insurance coverage is valid for one year and needs to be renewed annually by paying [?]94 as a contribution from the beneficiary.

Q: What is the objective of the Kera Suraksha Insurance Scheme?
A: 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).

Q: What benefits are provided under the scheme?
A: The scheme provides various components and compensation:
1. Death/Permanent Total Disability: [?]5.00 lakhs
2. Permanent Partial Disability: [?]2.50 lakhs
3. Hospital Expense (24 hours IP): [?]1,00,000/- (Maximum)
4. Weekly Compensation in case of Temporary Total Disability (TTD): [?]18,000/-
5. Bystander Expense: [?]3,000/- (Maximum 15 days @ [?]200 per day)
6. Ambulance Charges: [?]3,000/-
7. Funeral Expenses (subject to producing bills): [?]5,000/-

Q: In which states is the scheme implemented?
A: The scheme is implemented in all coconut-growing states across India.

Q: How can beneficiaries renew their insurance coverage each year?
A: 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.

Q: What is the age criterion for eligibility?
A: Applicants should be between 18 to 65 years of age to qualify for the Scheme.

Q: How is the premium payment handled by the beneficiaries?
A: 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.

Q: What is the timeline for reporting accidents to the Board?
A: In the event of an accident, beneficiaries must intimate the Board within 72 hours of its occurrence.

Q: What is the process for claiming benefits under the scheme in case of accidents?
A: 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.

Q: How can I apply for the scheme?
A: 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.