Kera Suraksha Insurance Scheme Application Form and Claim Form Download

In the southern parts of India, coconut is a prime commodity. Growing and selling coconuts proves to be a major part of a farmer’s life down south. However, there happens to be one main issue facing those involved in the coconut business – harvesting coconuts. 

As one might know, coconuts grow on tall palm trees and these coconuts refuse to drop by mere shaking of the stalk. To extract coconuts from a palm tree, one has to physically climb atop the tree and manually pluck the coconut from the branch. 

This very endeavour has, time and again, proven to be life-threatening to many who attempt this feat. Looking at all the injuries and even deaths resulting from coconut harvesting, the Kerala government has launched a new safety programme – the Kera Suraksha Insurance scheme. 

About Kera Suraksha Insurance Scheme

The main objective of the Kera Suraksha Insurance Scheme is to provide monetary insurance coverage to all traditional coconut tree climbers and Friends of Coconut Tree (FoCT) trainees against any kind of accident. 

Moreover, the government has increased the insurance amount of ₹1 lakh to ₹2 lakh per year under the Kera Suraksha Insurance scheme. Most part of the already nominal insurance premium – which stands to be a sum of ₹66 – is already borne by the Coconut board. 

However, on the expiry of the policy, the beneficiaries will have to make sure that they renew the policy. 

Application for the Kera Suraksha Insurance Scheme

  • The candidate has to visit the official website of the Coconut Development Board
  • The applicant has to then click on the “Application forms” tab on the homepage. Now, scroll down the next page and click on the Kera Suraksha insurance scheme application form. 
  • The application form can also be downloaded in the Malayalam language by clicking on the “Kera Suraksha Insurance scheme application form Malayalam”.
  • Once downloaded, the applicant has to fill in all the required details in the form which includes details like Name, address, phone number, name of the nominee, etc. 
  • Below is a picture of the application form’s resemblance:
  • The filled-in form along with a Demand Draft or DD for ₹17, drawn in favour of M/s. Oriental Insurance company Ltd., payable at Ernakulam shall be forwarded to the Chairman, Coconut development board, Kerala Bhavan, Kochi 682 011. The Coconut board will bear the balance premium amount of ₹49 for renewing the police. 

What are the benefits offered for the Kera Suraksha Insurance Scheme?

Sr. No. Benefits available – due to accidents onlySum insured (₹)
1Death/PTD2,00,000
(capital sum insured)
2Permanent Partial Disablement1,00,000
3Hospital Expenses reimbursement25,000
4Ambulance charges1,000
5Weekly compensation in case of TTD6,000
6Bystander expenses in case of Hospitalisation – maximum for 5 days at ₹300 per day1,500
7Funeral expenses in case of accidental death5,000

Summing it up

With this scheme in effect, tree climbers can now rest assured that their state government has their backs in case things go sideways – and this assurance is all that matters.

Similar Yojanas

Schemes launched by the state government

The state governments of India are the next important government bodies right after the central government of the country. The state governments constitute 28 states and 8 union territories

India is a democratic and republic country wherein highest authorities and powers are proffered to the central government. For the state government, real executive powers are given to Chief Minister as he is responsible for heading the Council of Ministers. The state governments of India work toward internal security, such as police department, social welfare, public health betterment and other similar state-related issues. The state government of the country earns its employee income from sales tax services, stamp duty services, and from some parts of GST.

The state governments have launched a variety of schemes so far. Some of the examples are as follows:

In Andhra Pradesh, Chandranna Bima Yojana, National Energy Efficient Agriculture Pumps Program, and Smart Pulse Survey have been launched. In Assam, Mass Rapid Transit System has been recently launched. In Maharashtra, Police Pratisaad Ask services and various schemes for the betterment of farmers have been launched. In Karnataka, PM Santwana Harish Yojana, and Housing scheme for Transgenders have been launched. In Uttar Pradesh, Deen Dayal Upadhyay Gram Jyoti Yojana, Hausla Paushan scheme, and Swadhar Greh yojana have been launched.

The state government of India monitors both rural and urban development. However, it is not feasible for the state government to monitor all rural and urban local government bodies. Thus, based on the provided funding and coverage, rural and urban local entities create development plan whenever required. These government entities work in close association with planning commission and local or regional government sectors and authorities.

Apart from these schemes, the state government also ensures the effective implementation of centrally sponsored schemes in respective states.