What is the purpose of Kera Suraksha Insurance Scheme?

Kera Suraksha Insurance Scheme is a government welfare initiative designed to support Individual, Individual through benefits related to Banking,Financial Services and Insurance, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.

Who can apply for Kera Suraksha Insurance Scheme?

Eligibility for Kera Suraksha Insurance Scheme may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.

What benefits are offered under Kera Suraksha Insurance Scheme?

Benefits under Kera Suraksha Insurance Scheme may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.

Which department manages Kera Suraksha Insurance Scheme?

Kera Suraksha Insurance Scheme is managed by Department of Agriculture & Farmers Welfare and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.

Can users apply online for Kera Suraksha Insurance Scheme?

Yes, eligible applicants may be able to apply online for Kera Suraksha Insurance Scheme through official government portals, authorised service centres, or digital application systems depending on the implementation process.

Is Aadhaar mandatory for Kera Suraksha Insurance Scheme?

Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.

Where can users apply for Kera Suraksha Insurance Scheme?

Applications for Kera Suraksha Insurance Scheme may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.

What documents may be required for Kera Suraksha Insurance Scheme?

Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.

Is income certificate required for Kera Suraksha Insurance Scheme?

Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Kera Suraksha Insurance Scheme.

Is Kera Suraksha Insurance Scheme a central government scheme?

Yes, Kera Suraksha Insurance Scheme is a central government welfare initiative that may be implemented across multiple states through authorised departments and agencies.

Can small and marginal farmers apply for Kera Suraksha Insurance Scheme?

Eligible small and marginal farmers may apply for Kera Suraksha Insurance Scheme subject to land ownership records, income eligibility, and agricultural beneficiary criteria.

Does Kera Suraksha Insurance Scheme provide subsidy support for farmers?

Kera Suraksha Insurance Scheme may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.

Does Kera Suraksha Insurance Scheme provide healthcare or insurance support?

Kera Suraksha Insurance Scheme may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.

Can beneficiaries use Kera Suraksha Insurance Scheme at government hospitals?

Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.

Can CSC centres help users apply for Kera Suraksha Insurance Scheme?

Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.

How can users check the latest updates for Kera Suraksha Insurance Scheme?

Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.

Can beneficiaries track application status for Kera Suraksha Insurance Scheme?

Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.

Where can users get help for Kera Suraksha Insurance Scheme in All India?

Users in All India may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.

Which nearby public services may help with Kera Suraksha Insurance Scheme applications?

Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.

Kera Suraksha Insurance Scheme – eligibility, benefits & apply

Scheme profile

DBT (direct benefit transfer): No

Categories: Banking,Financial Services and Insurance, Agriculture,Rural & Environment

Sub-categories: Insurance

Target beneficiaries: Individual

Tags: Coconut Tree Climber, Insurance, Neera Technician, Coconut Harvester

Details

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:

The aim is to attract unemployed youth to show more interest in the agriculture sector.
To overcome the shortage of coconut tree climbers, the Board launched a skill development program called 'Friends of Coconut Tree (FoCT).
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 : Sl. No. Benefits available - due to accidents only Sum insured 1Death/Permanent Total disability₹7 00 000/-2Permanent Partial Disablement ₹3 50 000/-3Hospital expenses reimbursement (minimum 24 hours hospitalization)₹2 00 000/- 4Ambulance charges₹3 500/-5Weekly Compensation in case of TTD₹21 000/- (Maximum 1 claim in a year for a maximum of six weeks @₹3 500/- per week)6Bystander expenses in case of hospitalization₹3 000/- (Maximum for 15 days @ ₹200 per day)7Funeral expenses in case of accidental death (subject to production of bills)₹5 500/-2. For the trainees ongoing the skill development training of the Board viz. Friends of Coconut Tree (FoCT)/Neera Technician Training Programme the first-year premium is fully borne by the Board from the date of commencement of training

1. Components under the scheme and present compensation:
Sl. No.Benefits available - due to accidents onlySum insured1Death/Permanent Total disability₹7,00,000/-2Permanent Partial Disablement ₹3,50,000/-3Hospital expenses reimbursement (minimum 24 hours hospitalization)₹2,00,000/- 4Ambulance charges₹3,500/-5Weekly Compensation in case of TTD₹21,000/- (Maximum 1 claim in a year for a maximum of six weeks @₹3,500/- per week)6Bystander expenses in case of hospitalization₹3,000/- (Maximum for 15 days @ ₹200 per day)7Funeral expenses in case of accidental death (subject to production of bills)₹5,500/-2. For the trainees ongoing the skill development training of the Board viz. Friends of Coconut Tree (FoCT)/Neera Technician Training Programme, the first-year premium is fully borne by the Board from the date of commencement of training.

Eligibility

The applicant should be a Coconut Tree Climber/Neera Technician/Coconut Harvester/Trainee.
The age of the applicant should be between 18 to 65 years.

Responsibilities of Climbers /Harvesters/Neera Technicians/Trainees(Beneficiaries):

Submit applications for insurance under the insurance scheme in the prescribed format with all mandatory documents.
Payment of his/her/their share of premium prescribed by the Board by way of demand draft/ online mode.
Safe custody of policy document/ policy number received from the Board
1. Intimation of accident within 72 hours of its occurrence to Board.
Submission of claim form along with mandatory documents to Board, in case of accidents-related hospital expenses/death, for getting benefits under the scheme.

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

6.8

/ 10

Public Benefit Score

Accessibility 5.0/10 Moderate

Rural usefulness 7.0/10 Good

Application complexity 5.0/10 Moderate

Financial impact 9.5/10 Good

Literacy barrier 4.0/10 Moderate

Women inclusivity 5.0/10 Moderate

Awareness 7.5/10 Good

Implementation reliability 7.0/10 Good

Bigger shape means a better fit for citizens

Accessibility5.0
Financial impact9.5
Rural utility7.0
Awareness7.5
Simplicity5.0
Inclusivity5.0

What problem does this scheme solve?

The Kera Suraksha Insurance Scheme provides essential accident insurance for coconut tree climbers and related workers, addressing a critical need in the agriculture sector.

Key challenges addressed

Provides financial security against accidents for coconut tree climbers and harvesters.
Encourages skill development in the agriculture sector.

Most beneficial for

Coconut tree climbers
Neera technicians
Coconut harvesters
Unemployed youth seeking training

Likely challenges

Complex application process for semi-literate individuals.
Limited awareness among potential beneficiaries.

Practical insights for citizens

Practical for those in the coconut industry, but barriers exist for semi-literate individuals.

Rural challenges

Limited access to information about the scheme.
Dependence on local officials for application support.

Digital challenges

Low digital literacy among target beneficiaries.
Limited online application options.

Implementation bottlenecks

Delays in claim processing.
Need for physical documentation.

Awareness challenges

Low awareness among coconut tree climbers and harvesters.
Need for outreach programs.

Application analysis

Application mode: Offline office
Documents burden: Moderate, requires age proof and premium payment proof.
Verification complexity: Moderate, requires countersigning by officials.
Office dependency: High, requires physical submission to the Coconut Development Board.
DBT dependency: Low, as benefits are not directly transferred to bank accounts.
CSC support: Limited, primarily offline.
Estimated citizen effort: Moderate, involves multiple steps including application and claim submission.

Estimated beneficiary reach

Rural / urban reach High
Gender reach Moderate
Target income group Low-income individuals
Occupation reach Agricultural workers

Benefit analysis

Benefit type: Cash
Benefit frequency: Annual premium payment with claims as needed.
Benefit practicality: High, as it provides significant financial support in case of accidents.
Financial meaningfulness: Moderate, as the benefits are substantial but depend on the occurrence of accidents.
Long-term impact: Positive, as it encourages safety and skill development in the agricultural sector.

Plain-language guidance

The Kera Suraksha Insurance Scheme offers accident insurance for coconut tree climbers and harvesters, providing financial support in case of accidents. It aims to promote safety and skill development in agriculture.

Who should apply: Coconut tree climbers, Neera technicians, and coconut harvesters.
Who may struggle: Semi-literate individuals and those unfamiliar with insurance processes.
Best application route: Apply via local agriculture office with required documents.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Offline

Applying for Insurance:

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.

Procedure for applying claim:

All claim-related documents/correspondence have to be forwarded to the office of the Coconut Development Board given below:
Headquarters: PB No. 1021, KERA BHAVAN, SRV Road, Kochi, Kerala - 682011,
Tel: 0484 - 2376265, Fax: 0484 - 2377902,
Contact person: Statistical Officer
Email: ho-stats@coconutboard.gov.in (Application Forms)

For any discrepancies/queries on claim settlement, you may contact:

Office of The New India Assurance Company Limited for implementation of KESRI:
The New India Assurance Company Ltd, Divisional Office – I(730900), Jerome Building, 2nd Floor, Fort Station Road, Trichy -620 002

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

What is the Kera Suraksha Insurance Scheme?: 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.
Which department has launched this scheme?: Coconut Development Board, Ministry of Agriculture and Farmers Welfare, Government of India
Who is eligible for the scheme?: 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.
What is the annual premium for the insurance?: 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.
How long is the insurance coverage valid?: The insurance coverage is valid for one year and needs to be renewed annually by paying ₹94 as a contribution from the beneficiary.
What is the objective of the Kera Suraksha Insurance Scheme?: 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).
What benefits are provided under the scheme?: 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/-
In which states is the scheme implemented?: The scheme is implemented in all coconut-growing states across India.
How can beneficiaries renew their insurance coverage each year?: 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.
What is the age criterion for eligibility?: Applicants should be between 18 to 65 years of age to qualify for the Scheme.
How is the premium payment handled by the beneficiaries?: 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.
What is the timeline for reporting accidents to the Board?: In the event of an accident, beneficiaries must intimate the Board within 72 hours of its occurrence.
What is the process for claiming benefits under the scheme in case of accidents?: 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.
How can I apply for the scheme?: 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.

Official links

References

Scheme Guideline: https://coconutboard.gov.in/docs/kesri-guidelines.pdf
Scheme Details: https://pib.gov.in/PressReleasePage.aspx?PRID=1880306
Application Form: https://coconutboard.gov.in/docs/Appl-Kerasuraksha.pdf
Application Form - Malayalam: https://coconutboard.gov.in/docs/Appl-Kerasuraksha-malayalam.pdf
Accident Claim Form - Oriental Insurance Co.Ltd.: https://coconutboard.gov.in/docs/Appl-Claim-Kerasuraksha.pdf
Accident Claim Form - New India Assurance Co.Ltd.: https://coconutboard.gov.in/docs/Claim-Form-New-India-Assurance-Co-Ltd.pdf
Amendment: https://coconutboard.gov.in/docs/operationalguidelines-kesri.pdf

Frequently asked questions

What is the purpose of Kera Suraksha Insurance Scheme?: Kera Suraksha Insurance Scheme is a government welfare initiative designed to support Individual, Individual through benefits related to Banking,Financial Services and Insurance, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Kera Suraksha Insurance Scheme?: Eligibility for Kera Suraksha Insurance Scheme may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Kera Suraksha Insurance Scheme?: Benefits under Kera Suraksha Insurance Scheme may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Kera Suraksha Insurance Scheme?: Kera Suraksha Insurance Scheme is managed by Department of Agriculture & Farmers Welfare and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Kera Suraksha Insurance Scheme?: Yes, eligible applicants may be able to apply online for Kera Suraksha Insurance Scheme through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Kera Suraksha Insurance Scheme?: Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Kera Suraksha Insurance Scheme?: Applications for Kera Suraksha Insurance Scheme may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Kera Suraksha Insurance Scheme?: Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is income certificate required for Kera Suraksha Insurance Scheme?: Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Kera Suraksha Insurance Scheme.
Is Kera Suraksha Insurance Scheme a central government scheme?: Yes, Kera Suraksha Insurance Scheme is a central government welfare initiative that may be implemented across multiple states through authorised departments and agencies.
Can small and marginal farmers apply for Kera Suraksha Insurance Scheme?: Eligible small and marginal farmers may apply for Kera Suraksha Insurance Scheme subject to land ownership records, income eligibility, and agricultural beneficiary criteria.
Does Kera Suraksha Insurance Scheme provide subsidy support for farmers?: Kera Suraksha Insurance Scheme may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.
Does Kera Suraksha Insurance Scheme provide healthcare or insurance support?: Kera Suraksha Insurance Scheme may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
Can beneficiaries use Kera Suraksha Insurance Scheme at government hospitals?: Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
Can CSC centres help users apply for Kera Suraksha Insurance Scheme?: Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Kera Suraksha Insurance Scheme?: Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Can beneficiaries track application status for Kera Suraksha Insurance Scheme?: Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Kera Suraksha Insurance Scheme in All India?: Users in All India may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Kera Suraksha Insurance Scheme applications?: Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.