Kera Suraksha Insurance Scheme

The ‘Kera Suraksha Insurance Scheme’ is a comprehensive Group Personal Accident Insurance Scheme, implemented by Coconut Development Board in association with Public Insurance companies for Coconut Tree Climbers/Neera Technicians/Coconut Harvesters.

Key details

Level: Central (all-India)
Category: Healthcare
Last date: Always open
Beneficiaries: citizen

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.

Eligibility (who can apply)

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
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 to Apply

**Offline**
> **Applying for Insurance:**
[Application form](https://coconutboard.gov.in/docs/Appl-Kerasuraksha.pdf) 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,

Frequently Asked Questions

Who is eligible for Kera Suraksha Insurance Scheme / what is the eligibility?

1. The applicant should be a Coconut Tree Climber/Neera Technician/Coconut Harvester/Trainee. 1. The age of the applicant should be between 18 to 65 years. > **Responsibilities of Climbers /Harvesters/Neera Technicians/Trainees(Beneficiaries):** 1. Submit applications for insur...

What are the benefits of Kera Suraksha Insurance Scheme?

**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)...

How to apply online for Kera Suraksha Insurance Scheme?

**Offline** > **Applying for Insurance:** [Application form](https://coconutboard.gov.in/docs/Appl-Kerasuraksha.pdf) 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...

Related schemes

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Last updated: 12 Jul 2026