Group Personal Accident Insurance Scheme For Coir Workers
₹25,000–50,000 accident coverage · coir workers · India
A central government group insurance scheme by the Ministry of MSME that protects coir workers and their families against accidental death or permanent disability. Workers or their nominees receive ₹25,000–₹50,000 depending on the severity of the injury or death. To claim, submit a written notice through the Coir Board to the insurance company within one month of the incident, along with medical certificates and relevant documents.
About This Scheme
A central government group insurance scheme by the Ministry of MSME that protects coir workers and their families against accidental death or permanent disability. Workers or their nominees receive ₹25,000–₹50,000 depending on the severity of the injury or death. To claim, submit a written notice through the Coir Board to the insurance company within one month of the incident, along with medical certificates and relevant documents.
Full official description
A group insurance scheme by MoMSME for coir workers. The scheme provides insurance cover against accidental death and permanent disability of the insured member.
The coir processing activities such as extraction of fibre, spinning of coir yarn and manufacture of coir rope, finished products involve drudgery, strain and hardships.
The workers engaged in processing of coir with the aid of machineries and equipments are prone to minor or major accidents at work site and elsewhere. The Scheme will provide succor to the legal heir of coir worker who meet with accidental death and compensation to coir workers who sustain permanent total disability or permanent partial disability.
Benefits
- ₹50,000 for accidental death
- ₹50,000 for permanent total disability (loss of both eyes, both limbs, or one eye and one limb)
- ₹25,000 for permanent partial disability (loss of one eye or one limb)
💡 Why Startups Should Care
Coir processing involves manual, sometimes hazardous work — this basic accident insurance gives coir workers and their families a financial cushion against workplace injury, at no direct cost to the worker.
Who Can Apply (Eligibility)
- Must be a coir worker engaged in coir processing (fibre extraction, yarn spinning, rope manufacturing) OR a nominee/legal heir of a deceased or disabled coir worker
- Disabled coir workers must be at least 14 years of age
- Disability percentage must be at least 40% to qualify as a disabled worker
Exclusions
NA
How to Apply
- Submit immediate written notice of the claim to the scheme administrator.
- Attach death certificate and police report/FIR for accidental death claims.
- Include post-mortem report if required.
- The claim is verified by the insurance provider.
- Approved compensation is disbursed to the nominee.
Frequently Asked Questions
What defines ‘permanent disability’ as per this scheme?
For the purpose of this scheme, "permanent total disability" means loss of two eyes or two limbs, loss of one eye and one limb.
What is the maximum financial assistance provided for death due to accident?
A financial assistance of Rs.50,000 is provided for death occurring from accident.
Are there any benefits for the children of the applicant?
As of now, there is no provision for providing benefits to the children of the applicant.
Are there any benefits specific to women in this scheme?
Not at the moment but onsidering the welfare of the women, the coir board will include the additional facilitates such as death and disablement arising out of and traceable to sterilization and consequent complications arising out of pregnancy, childbirth, caesarean hysterectomy, removal of the breast as well as murder and rape etc.
I am a 45 year old khadi weaver. I seek to know if I am too old to apply for the scheme?
There is no upper age limit in this scheme. You are therefore eligible to apply.
Do I need to be from a particular state in order to be eligible for this scheme?
The scheme is equally applicable to citizens across all the states of India.
Are there any exclusions to this scheme?
The insurance cover will not be applicable under the following cases: Normal or natural death. Death due to any disease. Death not traceable to or linked to any accident. Self - injury, suicide or attempted suicide. Performing any crime of law with criminal intent. Venereal disease or insanity. Impact of alcoholic drinks or drugs. War and allied perils Nuclear explosion.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Copy of death certificate (for death claims)
- Copy of police report or FIR
- Copy of post-mortem report (if required)