AI SummaryKera Suraksha Insurance Scheme is a group personal accident insurance plan for coconut tree climbers, neera technicians, and coconut harvesters. Coconut Development Board runs the scheme under Ministry of Agriculture and Farmers Welfare, and the cover stays with an eligible worker for all 24 hours of the day against accident-related risks.
Climbing coconut palms is risky work, and a fall or a cut can stop the family income. It offers a sum assured of ₹7.00 lakhs, treatment cost support, disability cover, and funeral help, so eligible coconut workers and their families get financial protection when an accident happens.
Kera Suraksha Insurance Scheme: Introduction
Kera Suraksha Insurance Scheme covers coconut tree climbers, neera technicians, coconut harvesters, and hybridization trainees in all coconut growing states. As per the operational guidelines of the Coconut Development Board, the yearly premium is ₹956, out of which the Board contributes ₹717 and the worker pays the balance of ₹239.
Coconut Development Board announced a special renewal round in October 2024 with a premium of ₹94 and last date of 15 November 2024. District offices were still sharing scheme details in July 2026, so eligible workers should check the Coconut Development Board website for the latest renewal and application information.
Main aim of the scheme is to bring more youth into coconut farming work, reduce the shortage of skilled climbers through the Friends of Coconut Tree (FoCT) program, and promote scientific palm management with safe climbing methods using modern machinery.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Kera Suraksha Insurance Scheme |
| Level | Central |
| Scheme For | Individual |
| Target Beneficiaries | Coconut Tree Climbers, Neera Technicians, Harvesters |
| Nodal Ministry | Ministry of Agriculture and Farmers Welfare |
| Department Running the Scheme | Coconut Development Board |
| Benefit Type | Cash |
| Yearly Premium | ₹956 (Board share ₹717, member share ₹239) |
Benefits
Scheme gives complete financial cover for specific accident-related events. Below is a breakdown of the benefits available to eligible workers.
| Benefits | Sum Insured |
|---|---|
| Death / Permanent Total Disability | ₹7,00,000 |
| Permanent Partial Disablement | ₹3,50,000 |
| Hospital expenses (minimum 24 hours hospitalization) | ₹2,00,000 |
| Ambulance charges | ₹3,500 |
| Weekly Compensation (TTD, max six weeks) | ₹21,000 |
| Bystander expenses (max 15 days) | ₹3,000 |
| Funeral expenses (accidental death) | ₹5,500 |
If you are a trainee under the FoCT or Neera Technician training programs, the Board pays the full first-year premium from the start of the training.
Eligibility
Eligibility rules are simple and are meant for people working in the coconut sector. Check the points given below before applying.
- Applicant should be an active coconut tree climber, neera technician, harvester, or a registered trainee.
- Age should be between 18 and 65 years at the time of application.
- Applicant should be working in the coconut sector in a coconut growing state.
- FoCT and Neera Technician trainees are covered from their first year of training.
How to Apply
Application for Kera Suraksha Insurance Scheme is done offline through the Coconut Development Board. Steps for applying are given below.
STEP 1 - Download the official application form from the Coconut Development Board website. A step by step guide to download the form and claim form is available at Kera Suraksha Insurance Scheme Application Form and Claim Form Download.
STEP 2 - Fill in name, address, phone number, nominee details, and other required fields in the form and attach the required documents.
STEP 3 - Get the form countersigned by a local agriculture officer, panchayath president, or an authorized office bearer of the Board.
STEP 4 - Pay your share of the premium through demand draft or online payment mode accepted by the Board. The demand draft should be drawn in favor of the insurance company and payable at Ernakulam.
STEP 5 - Send the completed form along with the premium payment and age proof to Chairman, Coconut Development Board, Kera Bhavan, SRVHS Road, Kochi, Kerala - 682011.
Documents Required
Keep these documents ready before filling the application form.
- Aadhaar card and proof of age.
- Caste certificate, if applicable.
- Assignment and Declaration forms.
- Competent authority certificate confirming current work as a climber or technician.
- Payment receipt or payment details.
For accident and death claims, the following documents are needed.
- Original discharge summary and medical bills certified by a doctor.
- Original lab reports and post mortem reports, for death cases.
- Disability or fitness certificate.
- FIR or police report for road accidents.
- Legal heirship certificate, for death cases.
- NEFT details including bank name, account number, and IFSC code.
- Signed claim voucher.
Claim Procedure
When an accident happens, inform the Board within 72 hours and submit the claim form with supporting documents so that the claim remains valid. Contact the statistical officer at ho-stats@coconutboard.gov.in or call 0484-2376265 for claim help.
References
Official links for the scheme are given below for reference.
Official Application Form PDF | Kera Suraksha Insurance Scheme Guidelines | PIB Press Release on Premium Renewal | Then District 2026 Scheme Circular | Coconut Development Board Application Forms
FAQ's
What is the Kera Suraksha Insurance Scheme?
Kera Suraksha Insurance Scheme is a group personal accident insurance scheme of the Coconut Development Board that provides financial protection to coconut workers against accidental risks.
Who is eligible for this scheme?
Any coconut tree climber, neera technician, or harvester between the ages of 18 and 65 years is eligible to apply.
How can I pay my premium?
You can pay your share of the premium through demand draft or the online payment mode accepted by the Coconut Development Board.
What should I do if an accident happens?
Inform the Board about the accident within 72 hours and submit the claim form with the required documents to keep the claim valid.
Are trainees covered?
Yes. Trainees in the FoCT or Neera Technician training programs get the first-year premium paid fully by the Board.