Contents
Introduction to Kera Suraksha Insurance Scheme
The Kera Suraksha Insurance Scheme is a significant initiative by the Ministry of Agriculture and Farmers Welfare, implemented through the Coconut Development Board. This scheme aims to provide comprehensive insurance coverage to coconut tree climbers, Neera technicians, and coconut harvesters across India. By offering financial protection against accidents, the scheme ensures the well-being and security of those engaged in coconut farming activities.
The Kera Suraksha Insurance Scheme is a shining example of how the Indian government is actively working to support those who form the backbone of rural livelihoods—our farmers and skilled agricultural workers. Coconut climbing and Neera tapping are traditional yet risky occupations that require both skill and physical effort. However, until recently, workers in this sector were largely exposed to occupational hazards without adequate social protection.
With this in mind, the Ministry of Agriculture and Farmers Welfare, through the Coconut Development Board (CDB), launched this accident insurance scheme exclusively for coconut tree climbers, Neera technicians, and harvesters. It’s more than just an insurance policy—it’s a move to recognize the importance of their contribution and ensure they have a financial cushion in case of unforeseen mishaps.
In today’s era of inclusive growth, it’s crucial that every segment of society—especially those in physically intensive rural jobs—gets access to protective schemes like this one. By making this initiative accessible and affordable, the government is not only offering security but also respect and recognition to these unsung heroes of Indian agriculture.
What is the Kera Suraksha Insurance Scheme?
The Kera Suraksha Insurance Scheme is designed to offer accident insurance coverage to individuals involved in coconut harvesting and related activities. Recognizing the risks associated with these professions, the scheme provides a safety net to workers, encouraging more individuals to participate in the coconut industry.
Key Benefits
- Accidental Death/Permanent Total Disability: ₹7,00,000
- Permanent Partial Disability: ₹3,50,000
- Hospital Expenses Reimbursement: Up to ₹2,00,000 (for hospitalizations exceeding 24 hours)
- Ambulance Charges: ₹3,500
- Weekly Compensation for Temporary Total Disability: ₹3,500 per week, up to 6 weeks (maximum ₹21,000)
- Bystander Expenses: ₹200 per day, up to 15 days (maximum ₹3,000)
- Funeral Expenses: ₹5,500 (subject to bill submission)
Eligibility Criteria
- Profession: Coconut Tree Climber, Neera Technician, Coconut Harvester, or Trainee under the Friends of Coconut Tree (FoCT) program.
- Age: 18 to 65 years.
Premium Details
- Total Annual Premium: ₹956
- Coconut Development Board Contribution: ₹717
- Beneficiary Contribution: ₹239
For trainees under the FoCT or Neera Technician Training Programme, the first-year premium is fully borne by the Coconut Development Board.
Application Process
- Obtain the Application Form: Available at the Coconut Development Board offices or their official website.
- Fill in the Details: Complete the form with accurate personal and professional information.
- Attach Required Documents: Age proof, profession verification, and any other necessary documents.
- Submit the Form: Send the completed form along with the beneficiary’s premium share (₹239) via Demand Draft or online payment to the Chairman, Coconut Development Board, Kera Bhavan, SRVHS Road, Kochi – 682011.
🔗 Important Links
- Official Scheme Page on myScheme Portal
👉 https://www.myscheme.gov.in/schemes/ksis - Coconut Development Board Official Website
👉 https://www.coconutboard.gov.in
Importance of the Scheme
The Kera Suraksha Insurance Scheme plays a crucial role in safeguarding the lives of coconut workers. By providing substantial financial assistance in case of accidents, it not only ensures the well-being of the workers but also promotes the coconut industry by attracting more individuals to this profession. Every eligible person should take advantage of this scheme to secure their future and contribute to the growth of the agricultural sector.
Conclusion
The Kera Suraksha Insurance Scheme is a testament to the government’s commitment to the welfare of agricultural workers. By offering comprehensive insurance coverage at a minimal cost, it provides a safety net for those engaged in the challenging task of coconut harvesting. Eligible individuals are encouraged to enroll in this scheme and ensure their financial security.
The Kera Suraksha Insurance Scheme is not just a financial support plan—it is a step toward empowering the grassroots workforce in the coconut sector. With benefits reaching up to ₹7 lakhs and a premium contribution of just ₹239 from the worker, this is one of the most beneficiary-friendly schemes currently available. It’s a strong example of how small investments can lead to big security for families relying on seasonal or high-risk agricultural work.
Every eligible worker should treat this scheme as a must-have safety net. It ensures that their labor is not just valued, but also protected. Awareness is the key—so if you or someone in your community fits the eligibility criteria, encourage them to apply and take full advantage of this opportunity.
Remember, government schemes like this are meant to reach the people who need them most. So don’t let this chance slip by—secure your future today through the Kera Suraksha Insurance Scheme.
