- The Kera Suraksha Insurance Scheme provides accident insurance to eligible coconut-sector workers.
- The scheme covers coconut tree climbers, harvesters, Neera technicians and other eligible workers.
- Revised benefits include up to ₹7 lakh for accidental death or permanent total disability.
- Eligible applicants generally must be between 18 and 65 years of age.
- Applications are submitted offline through the Coconut Development Board’s prescribed process.
- Coconut Development Board (CDB) Ministry of Agriculture and Farmers Welfare, Government of India
- Phone: 0484-2376265 / 0484-2377266
- Email: ho-stats@coconutboard.gov.in
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Summary of the Scheme
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|---|---|
| Name of Scheme | Kera Suraksha Insurance Scheme (KSIS) |
| Benefits | Up to ₹7 lakh for accidental death or permanent total disability |
| Beneficiary | Coconut tree climbers, Neera technicians, harvesters and other eligible coconut-sector workers. |
| Nodal Agency | Coconut Development Board (CDB) |
| Subscription | Subscribe here to get Update Regarding Scheme |
| Mode of Apply | Offline |
Kera Suraksha Insurance Scheme (KSIS): Benefits, Eligibility and How to Apply
Climbing coconut trees, harvesting nuts and tapping Neera involve real risk of injury, disability or death. The Kera Suraksha Insurance Scheme (KSIS) offers personal accident insurance to coconut tree climbers and other eligible coconut-sector workers. It is implemented by the Coconut Development Board (CDB), an autonomous statutory body under the Ministry of Agriculture and Farmers Welfare, Government of India, which coordinates with an insurance company to provide the cover.
A Note on Benefit Figures
The established coverage was ₹5 lakh for accidental death or permanent total disability, with hospitalisation expenses up to ₹1 lakh. A revised structure reported from 15 August 2025 raises this to ₹7 lakh. The CDB’s older published information still shows the earlier figures, so confirm the current benefits and policy conditions with the Board before applying or claiming.
Who Is Covered?
- Coconut tree climbers, harvesters and Neera technicians
- Eligible trainees under the Board’s Friends of Coconut Tree (FoCT) and Neera Technician training programmes
- Coconut hybridisation workers and other specified coconut-sector workers
Insurance Coverage (Revised Benefits)
| Type of benefit | Coverage |
|---|---|
| Accidental death or permanent total disability | ₹7,00,000 |
| Permanent partial disability | ₹3,50,000 |
| Accident-related hospitalisation | Up to ₹2,00,000 (minimum 24 hours of hospitalisation) |
| Ambulance charges | Up to ₹3,500 |
| Temporary total disability | ₹3,500 per week, up to ₹21,000 for a maximum of six weeks |
| Bystander expenses during hospitalisation | ₹200 per day, up to ₹3,000 for a maximum of 15 days |
| Funeral expenses after accidental death | Up to ₹5,500, with bills |
Cover applies throughout the day, including accidents outside working hours, subject to policy terms and exclusions.
Premium
- The annual premium for the period December 2024 to November 2026 is ₹956.
- The beneficiary pays ₹143, and the Coconut Development Board bears the rest (85%).
- The Board pays the first-year premium for eligible trainees in its FoCT and Neera Technician programmes.
- Cash payments and money orders are not accepted. Pay through an accepted online or offline method such as a demand draft or online transfer.
Who Is Eligible?
- Coconut tree climber, harvester, Neera technician or eligible trainee
- Aged 18 to 65 years
- Able to provide proof of age and proof of occupation or training status
- The form must be countersigned by an authorised official, such as an Agriculture Officer, Panchayat President, CPF office-bearer or CPC Director
- Pays the beneficiary share of the premium, unless the Board covers it
Documents Required
- Aadhaar card copy and bank passbook front page
- Proof of age
- Caste certificate, if applicable
- Declaration for Assignment and Declaration Form, as per the application instructions
- Certificate from a competent authority confirming your work as a climber, Neera technician or harvester
- Training certificate, if trained under FoCT or the Neera Technician programme
- Proof of premium payment (demand draft receipt or online transaction confirmation)
- Any other document requested by the Board or insurer
How to Apply (Offline)
- Download the KSIS application form from the CDB Application Forms page.
- Fill it in English using capital letters, with personal details, date of birth, address, contact details and occupation.
- Attach your Aadhaar copy and bank passbook front page.
- Get the form certified by an authorised person, such as a Ward Member, Councillor, Panchayat President, Agriculture or Horticulture Officer, or a coconut producers’ society or company office-bearer. Different certifying authorities apply to DSP Farm workers, trainees and workers in small-scale coconut-based industries.
- Pay your premium share through an accepted method.
- Submit the certified form and documents to the CDB headquarters in Kochi.
After verification and premium confirmation, the Board forwards your details to the insurer. Coverage begins on the day the details are shared with the insurance agency. The insurer sends the policy to the Board within 20 working days, and the Board posts it to you.
How to Claim
- Report the accident to the CDB within 72 hours.
- After discharge, download the correct claim form from the CDB’s Application and Claim Forms page.
- Get the consulting doctor’s signature and submit the discharge summary, treatment and laboratory bills and fitness certificate.
- Disability claim: add the doctor’s disability certificate.
- Death claim: add the post-mortem report, FIR and inquest report. A legal-heirship certificate and no-objection certificate may also be needed.
- Temporary disability claim: add a certificate from the treating doctor showing the immobilisation period. At least five consecutive days of disablement are required.
- Submit everything to the CDB, which forwards it to the insurer.
Once the insurer verifies the documents, the claim is to be settled by DBT within 15 working days.
Related Schemes
- Pradhan Mantri Suraksha Bima Yojana (PMSBY): personal accident insurance for eligible bank or post office account holders
- Karunya Arogya Suraksha Padhathi: government-supported hospitalisation cover for Kerala residents
These have different eligibility rules and benefits.
Contact
Coconut Development Board, Kera Bhavan, SRV Road, Kochi – 682011, Kerala
- Phone: 0484-2376265, 0484-2377266, 0484-2377267 (ask for the Statistics section handling Kera Suraksha)
- Email: ho-stats@coconutboard.gov.in
Insurer and claims correspondence: The New India Assurance Company Ltd., 36/707, Second Floor, Kandamkulathy Towers, Opp. College Ground, Ernakulam, Kochi – 682011. Phone: 0484-2377266. Email: kochi.cdb@gov.in