Kera Suraksha Insurance Scheme (KESRI) Application

Kera Suraksha Insurance Scheme (KESRI) Application Assistance

Get complete application assistance for Group Personal Accident Insurance for coconut workers. We handle worker certification, application submission, premium payment, policy issuance, and claim process.

💰 Scheme Benefits

Premium:

• Total Premium: ₹956 (inclusive of GST)
• Beneficiary Pays: ₹143 (approx 15%)
• CDB Pays: ₹813 (approx 85%)

Free for: Cocomitra trainees (1st year) and CDB DSP Farm labourers

Objective: Group Personal Accident Insurance for coconut workers.

Target Group:

• Coconut Tree Climbers (CTC)
• Neera Technicians
• Hybridization workers
• General coconut labourers (harvesting, peeling, de-husking)

Benefits (Sum Insured):

• Death / Permanent Total Disability: ₹7.00 Lakh
• Permanent Partial Disability: ₹3.50 Lakh
• Hospital Expenses (In-patient 24 hrs): Up to ₹2.00 Lakh (Reimbursement)
• Weekly Compensation (Temporary Total Disability): ₹21,000 (₹3,500/week for max 6 weeks)
• Ambulance Charges: ₹3,500
• Bystander Expenses: ₹3,000 (₹200/day max 15 days)
• Funeral Expenses: ₹5,500

✅ Eligibility Criteria

Age:

• 18 to 65 years

Certification:

• Must be certified as coconut worker by Agriculture Officer/Panchayat President/CDB Officer

Target Group:

• Coconut Tree Climbers (CTC)
• Neera Technicians
• Hybridization workers
• General coconut labourers (harvesting, peeling, de-husking)

Free for:

• Cocomitra trainees (1st year)
• CDB DSP Farm labourers

⚠️ Important Conditions

Claim Process:

• Intimate accident within 72 hours (3 days)
• Submit claim form with Discharge Summary, Original Bills, FIR (for death)
• Claim settled via DBT within 15 days of verification

Certification:

• Worker certification is mandatory
• Certification from Agriculture Officer/Panchayat President/CDB Officer required
• Application will not be accepted without this

Age Limit:

• 18 to 65 years
• Workers outside this limit cannot be insured

Our Service

We help you with the complete application process for KESRI scheme:

1. Worker Certification - Help get worker certification from Agriculture Officer/Panchayat President/CDB Officer
2. Application Submission - Submit insurance application form with worker details, certification proof
3. Premium Payment - Assist with premium payment (₹143 - 15%)
4. Policy Issuance - Assist with policy issuance and document collection
5. Claim Process - Guide through claim process: intimate accident (72 hours), submit claim form, claim settled via DBT (15 days)

📄 Documents Required

1. Worker Certification (from Agriculture Officer/Panchayat President/CDB Officer)
2. Aadhaar Card & Bank Passbook copy
3. Age proof (18-65 years)
4. Photograph of worker

📊 Detailed Scheme Information

Premium Calculation

Total Premium: ₹956 (inclusive of GST)

Premium Distribution:

• Beneficiary Pays: ₹143 (approx 15%)
• CDB Pays: ₹813 (approx 85%)

Free for: Cocomitra trainees (1st year) and CDB DSP Farm labourers

Benefits (Sum Insured)

• Death / Permanent Total Disability: ₹7.00 Lakh
• Permanent Partial Disability: ₹3.50 Lakh
• Hospital Expenses (In-patient 24 hrs): Up to ₹2.00 Lakh (Reimbursement)
• Weekly Compensation (Temporary Total Disability): ₹21,000 (₹3,500/week for max 6 weeks)
• Ambulance Charges: ₹3,500
• Bystander Expenses: ₹3,000 (₹200/day max 15 days)
• Funeral Expenses: ₹5,500

Claim Process

Intimate Accident:

• Intimate accident within 72 hours (3 days)
• This deadline must be strictly followed

Claim Documents:

• Claim form
• Discharge Summary
• Original Bills
• FIR (for death)

Claim Settlement:

• Claim settled via DBT within 15 days of verification
• Claim is released to beneficiary’s bank account via DBT

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