What is the Kera Suraksha scheme?

Kera Suraksha is a group personal accident insurance scheme for coconut workers, offering financial support during accidents.

Who is eligible for Suraksha Bima Yojana?

Suraksha Bima Yojana eligibility includes individuals aged 18–70 with a bank account enrolled in the scheme.

What is the Suraksha Insurance Scheme?

Suraksha Insurance Scheme provides accident insurance coverage at a low premium through banks.

Who is eligible for crop insurance?

Farmers with insurable crops and valid land records or tenant proof can apply for crop insurance.

What is the PM Modi scheme for farmers?

PM Modi’s farmer schemes include PM-Kisan, PMFBY, KUSUM, e-NAM, and others for financial and crop support.

What happens to PMJJBY after 55 years?

PMJJBY coverage ends at age 55; the policy cannot be renewed beyond that age.

What is the interest rate of the Grama Suraksha scheme?

Grama Suraksha scheme interest rates vary but generally offer guaranteed returns with bonuses.

Who is eligible for PM insurance scheme?

PM insurance scheme eligibility includes citizens aged 18–50 (for life insurance) with a bank account.

Who is eligible for PM Fasal Bima Yojana?

PMFBY eligibility includes all farmers growing notified crops in notified areas during the season.

Is there any insurance for farmers in India?

Yes, several insurance schemes exist for farmers, including PMFBY and other state-level schemes.

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Kera Suraksha Insurance Scheme Ensuring Farmers' Welfare In India

Komal Bajpai

Author

Updated: 04-12-2025 at 3:30 PM

The Kera Suraksha Insurance Scheme is a comprehensive Group Personal Accident Insurance Scheme designed to provide extensive coverage and support to those working in the coconut industry. This govt scheme is implemented by the Coconut Development Board, which operates under the Ministry of Agriculture and Farmers Welfare, Government of India. It is conducted in collaboration with Public Insurance companies to ensure the safety and welfare of individuals in high-risk coconut cultivation jobs. Many beneficiaries also search for details such as Kera Suraksha Insurance Scheme started in which year, the Kera Suraksha Insurance scheme pdf, and other scheme-related documents, highlighting its growing importance across coconut-producing states.

Overview

The table below highlights the key insights of the Kera Suraksha Insurace Scheme:-

Particulars	Details
Scheme Name	Kera Suraksha Insurance Scheme
Implemented By	Coconut Development Board (CDB), Ministry of Agriculture & Farmers Welfare, Government of India
Scheme Type	Group Personal Accident Insurance Scheme
Target Beneficiaries	Coconut tree climbers, neera technicians, harvesters, and FoCT trainees
Age Limit	18 to 65 years
Premium Amount	₹94 (beneficiary share) + ₹281 (CDB share) = ₹375 per year
Training Support Linked	'Friends of Coconut Tree' (FoCT) skill development programme
Coverage Provided	Accident-related medical claims, disability cover, death benefit
Kera Suraksha Insurance scheme apply online or offline	Offline submission through Coconut Development Board offices
Claim Submission Timeline	Accident must be reported within 72 hours
Main Objective	To strengthen the coconut industry by ensuring safety, welfare, and availability of skilled coconut climbers

Also Read: Pradhan Mantri Kisan Samrudhi Kendras

Latest News

The Coconut Development Board (CDB) recently announced that the Kera Suraksha Insurance Scheme will continue for the 2024–25 financial year with the same annual premium of ₹375, ensuring affordable coverage for coconut climbers and trainees. The Board is also expanding its Friends of Coconut Tree (FoCT) training centres across Kerala, Tamil Nadu, and Karnataka to address the growing demand for skilled coconut climbers.

Additionally, CDB is working on integrating a digital tracking system for claim submissions to reduce delays and improve transparency for beneficiaries. The Board is also planning to simplify access to documents like the Kera Suraksha Insurance Scheme application form, the Coconut Development Board insurance application form, and other relevant formats online.

Understanding The Kera Suraksha Insurance Scheme

The Kera Suraksha Insurance Scheme is a group insurance scheme introduced to address the shortage of coconut tree climbers. This Kera Suraksha Insurance Scheme 2024 also aims to attract unemployed youth to start working in the agriculture sector, under the Coconut Development Board, a skill development program called 'Friends of Coconut Tree' (FoCT).

The Coconut Development Board schemes aim to engage the unemployed youth by providing specialised training in coconut tree climbing using a machine specifically made for this purpose. This government scheme also covers scientific management of palm trees, plant protection techniques, and other activities. The model strengthens both the training ecosystem and insurance coverage for technical roles under the Coconut Palm Insurance Scheme.

The Coconut Development Board schemes also aim to equip interested youths with these skills to create more job opportunities in agriculture and ensure a steady supply of skilled coconut tree climbers.

Features Of Kera Suraksha Insurance Scheme

The Kera Suraksha Insurance Scheme offers a structured set of features designed to support coconut climbers, FoCT trainees, neera technicians, and harvesters.

Affordable Annual Premium – Beneficiaries pay only ₹94 per year, while the Coconut Development Board contributes ₹281, making it one of the most affordable accident insurance schemes.
Extensive Coverage – Includes hospitalisation expenses, disability coverage, and death benefits arising from accident-related incidents.
Specialised Target Group – Designed exclusively for high-risk roles like coconut tree climbers, FoCT trainees, neera technicians, and harvesters.
Offline Application Option – Beneficiaries can apply using the Coconut Development Board insurance application form, ensuring accessibility for rural workers.
Simple Claim Process – Claims are processed with document submission and verification, with a mandatory 72-hour accident reporting period.
Integration With FoCT Training – Provides additional support to individuals who undergo Friends of Coconut Tree (FoCT) training to promote safety and skill development.
Applicable Across Multiple States – The govt scheme also supports coconut sector workers across regions like Kerala, Tamil Nadu, and Karnataka.
Availability of Reference Documents – Beneficiaries can access scheme-related files, such as the Kera Suraksha Insurance Scheme application form or the Kera Suraksha Insurance Scheme PDF for clarity.

Also Read: Future Of Indian Agriculture: The Agricultural Infrastructure Scheme

Benefits Of The Kera Suraksha Insurance Scheme

These benefits help reduce financial burden during accidental injuries and encourage more youth to join the agricultural workforce through FoCT training.

Financial Security During Accidents – The scheme supports workers by covering medical treatments, disability, or death due to accidents, reducing sudden financial pressure on families.
Encourages Youth Employment – With integrated FoCT training, the scheme motivates unemployed youth to take up coconut climbing, boosting employment in rural areas.
Promotes Safe Working Practices – Training provided under the scheme includes modern climbing methods, machine-assisted climbing, and scientific palm management, leading to safer work environments.
Affordable Protection for High-Risk Workers – With a total annual premium of just ₹375, climbers receive substantial coverage without a heavy financial burden.
Support for Families of Deceased Workers – In cases of death, the scheme provides compensation and essential support to dependents.
Supports Coconut Industry Sustainability – By securing the lives of climbers, the scheme directly contributes to maintaining a stable workforce for the coconut industry.

What Is The Eligibility Criteria Of The Kera Suraksha Insurance Scheme?

People who meet the following criteria can apply for this government scheme. The Kera Suraksha Insurance Scheme eligibility criteria are.

Must be a coconut tree climber, neera technician, coconut harvester, or trainee.
Applicants should be between the ages of 18 and 65 years.

Those applying through offline mode can use the Coconut Development Board insurance application form, while online applicants can search for Kera Suraksha Insurance scheme apply online options through official portals. However, the application process is offline only.

What Are The Responsibilities Of The Beneficiaries?

Beneficiaries will have the following responsibilities to follow. Read the pointers below to understand it better:-

Submit the insurance applications in the mentioned format with all the required documents, including the Kera Suraksha Insurance Scheme application form.
Pay the share of the premium set via a demand draft or online mode.
Keep the policy number or policy document safe.
Notify the accident within 72 hours of the incident.
Submit the claim form in case of any accident-related hospital expenses or death.

The beneficiary has to pay a premium of Rs. 94, and the Board will put in a share of Rs. 281, which is a total of Rs. 375 in a year. The beneficiary can make the payment online or through a demand draft. For convenience, many beneficiaries prefer accessing forms through the Kera Suraksha Insurance scheme pdf link.

Also Read: Mukhyamantri Kisan Kalyan Yojana: A Financial Net For The Farmers

How To Apply Fora A Claim Of Insurance Under Kera Suraksha Insurance Scheme?

Applicants can download the group insurance scheme Kerala application form by clicking here.
Applicants wanting to claim their insurance can follow the following steps.

Step 1:
Write a letter to
Headquarters: PB No. 1021
KERA BHAVAN, SRV Road
Kochi, Kerala - 682011

Step 2: Submit all claim-related documents along with the letter.

Documents Required To Be Submitted

To apply for the scheme, the following documents must be submitted. These documents ensure smooth processing of your application, whether you apply offline or explore Kera Suraksha Insurance scheme apply online options:

Aadhaar card.
Proof of age.
Caste certificate, if applicable.
Declaration for Assignment.
Declaration Form.
Certificate issued by a competent authority stating that the applicant is currently engaged in skilled labour as a Coconut Tree Climber/Neera Technician/Harvester.
Payment details.
Any other required documents?

The following documents have to be submitted in case of an accident.

Original Discharge summary/ OP Ticket.
Original Medical Bills (certified by a doctor).
Original Lab reports.
Immobilisation certificate (Minimum 5 days continuous disablement is required).
Fitness Certificate.
Disability Certificate (In case of disablement due to accident).
FIR/GD Entry/CSR/Police Report (In case of a road accident).
Bank details (Bank name, Branch, Account Number and IFSC).
Duly signed claim voucher.

The following documents have to be submitted in case of death.

Original Medical Reports.
Original Death Certificate.
Legal Heirship certificate.
Post Mortem Report.
FIR.
Viscera Report.
Inquest Report.
Bank details (Bank name, Branch, Account Number and IFSC).
Duly signed claim voucher.

Conclusion

The Kera Suraksha Insurance Scheme plays a vital role in protecting individuals engaged in high-risk coconut climbing and harvesting work. It offers essential security, whether beneficiaries access it offline or explore options like Kera Suraksha Insurance scheme apply online for convenience. By combining insurance protection with professional skill training under the FoCT programme, as well as additional coverage links such as the Coconut Palm Insurance Scheme, the initiative ensures safety and sustainable employment within the coconut sector. With accident coverage, disability support, and financial assistance for families, this government-backed programme strengthens livelihoods and supports long-term growth in India’s coconut industry.

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