Kera Suraksha Insurance Scheme

What is the Kera Suraksha Insurance Scheme?

Kera Suraksha Insurance Scheme is an insurance scheme administered by the Coconut Development Board (CDB), a statutory body established in 1981 under the Ministry of Agriculture and Farmers Welfare. The scheme is designed to give personal-accident protection to coconut tree climbers and harvesters. The workers who climb tall coconut palms to harvest the crop, one of the more hazardous jobs in the coconut economy.

The Coconut Development Board's mandate is the integrated development of the coconut sector, and it runs a range of training and support activities for growers and for the climbers who service coconut gardens. Kera Suraksha sits within this welfare-oriented work: by insuring climbers against accidents, the Board aims to protect a group whose daily work carries a real risk of injury or death, and to make coconut climbing a more secure livelihood.

A note on verification: the Coconut Development Board's official pages for this scheme could not be retrieved when this guide was prepared (the Board's site returned security-certificate errors to automated access). As a result, this guide describes the scheme's purpose and administering body, which are established, but does not quote a specific sum insured, premium or age band. Those figures should be confirmed directly with the Coconut Development Board before you rely on them.

Who is eligible for the Kera Suraksha Insurance Scheme?

You can apply if:

• You work as a coconut tree climber or harvester, the occupation the scheme is built around.
• You meet the Coconut Development Board's enrolment conditions for the scheme, which typically include being an active climber (often one trained through the Board's climber programme) and falling within a defined age band.

You cannot apply if:

• You are not engaged in coconut climbing/harvesting. This is an occupation-specific accident cover, not a general public insurance.
• You fall outside the Board's eligibility conditions, such as its age limits for the cover.

Because the precise eligibility rules are set by the Coconut Development Board and its insurer, the Board's State/Regional Centre is the authority on whether a particular climber qualifies.

What documents are required?

How to apply for the Kera Suraksha Insurance Scheme

There is no anonymous public sign-up; enrolment is handled by the Coconut Development Board through its centres. Follow these steps:

1. Contact the Coconut Development Board or its nearest State/Regional Centre in your coconut-growing state and ask about enrolment under the Kera Suraksha Insurance Scheme for climbers.
2. Confirm the current terms, sum insured, any premium, age band and covered events — directly with the Board, since these are set by the Board and its insurer.
3. Provide your documents; identity proof, evidence that you work as a coconut climber/harvester, bank details and nominee details.
4. Complete enrolment with the Board's centre and keep the enrolment/policy acknowledgement safe, as it will be needed for any accident claim.
5. In case of an accident, the insured (or the nominee, in case of death) files a claim through the Board's centre with the required medical/accident records.

Where to get help

The Coconut Development Board publishes its schemes and contact details on its official portal at coconutboard.gov.in and operates State and Regional Centres across the coconut-growing states. For anything specific to Kera Suraksha; current coverage, premium, eligibility and how to enrol or claim. The Board and its centres are the correct point of contact. Given that current figures could not be independently verified for this guide, treat the Board's own communication as the authoritative source, and do not pay any intermediary who claims to enrol you for a fee.

Editorial note: this is a niche scheme with limited published material reachable online. Readers may be better served by confirming details directly with the Coconut Development Board.