Kera Suraksha Insurance Scheme — accident cover for coconut workers
Funded in the 2026-27 Union Budget: Union Expenditure Budget 2026-27 (Feb 2026, Demand No. 1 (Department of Agriculture and Farmers Welfare), Autonomous Bodies item 31 Coconut Development Board, BE 2026-27 ₹37.16 crore; Notes item 31)
Accident insurance for coconut tree climbers, neera tappers and coconut farm workers aged 18–65: ₹7 lakh cover for a ₹143 yearly share.
- Lead benefit
- ₹7,00,000accident cover for ₹143 a year
- Components
- 1each read from the document
- Who can apply
- Allapplicants
- Closing date
- Noneapply any time
What it pays
For ₹143 a year (the Board pays the rest of the ₹956 premium) you get accident cover of ₹7,00,000 for death or total disablement.
What the document says, word for word
The ₹956 premium and the benefits are fixed by tender every two years and are stated for the period to November 2026. Trainees of the Board’s skill programmes get the first year free; DSP farm labourers are covered fully by the Board.
“For the Scheme Period up to November 2026, the total premium payable, inclusive of GST, shall be Rs.956. Out of this, the beneficiary shall be required to pay only the subsidized premium of Rs.143, and the balance shall be borne by the Board.”How much can I claim?
Group accident insurance: ₹7,00,000 for death or permanent total disablement, ₹3,50,000 for permanent partial disablement, up to ₹2,00,000 hospital expenses, plus weekly compensation and other benefits — for a ₹143 yearly share
The ₹956 premium and the benefits are fixed by tender every two years and are stated for the period to November 2026. Trainees of the Board’s skill programmes get the first year free; DSP farm labourers are covered fully by the Board.
Who can apply
- All applicants
Papers you need
- Certified application form
- Copy of Aadhaar card
- Front page of bank passbook
How to apply
- Get the application certified by a ward member, panchayat president, agriculture/horticulture officer or coconut producer society head (cl. 8 i).
- Send it with Aadhaar and the bank passbook front page to CDB headquarters, and pay ₹143 online or offline — no cash or money order (cl. 6, 8 ii–iv).
- Report any accident to the Board within 72 hours; claims are paid by DBT within 15 working days of verification (cl. 9).
Applying is free. Never pay anyone to apply for you.
When to apply
The guidelines set no closing date.
Combining with other schemes
The documents do not say whether this can be combined with other schemes. Ask the implementing office before you count on both.