- Details
- Benefits
- Eligibility
- Exclusions
- Application Process
- Documents Required
- Frequently Asked Questions
- Sources And References
- Feedback
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Group Personal Accident Insurance Scheme For Coir Workers
Ministry Of Micro, Small and Medium Enterprises
Details
Benefits
- For death due to accident – Rs.50,000.
- For permanent total disability (loss of two eyes or two limbs, loss of one eye and one limb) – Rs.50,000.
- For permanent partial disability (loss of one eye or one limb) – Rs.25,000.
Eligibility
- The applicant must be EITHER a disabled coir worker OR nominee of the disabled/deceased coir worker.
- If the applicant is a disabled coir worker, he/she should be at least 14 years in age.
- If the applicant is a disabled coir worker, the percentage of disability should be at least 40%.
Application Process
- In case of death, notice should be given before internment/cremation within one month from the death.
- In case of loss of sight or amputation of limbs, claim notice should be provided within one month from the loss of sight or loss of a limb.
- In the case of permanent total or partial disablement and temporary total disablement claims, the insured persons are required to obtain a claim form along with the Doctor’s certificate, medical bills, diagnostic reports, like x-rays, etc. to prove the extent of accidental injuries occurred.
Documents Required
- Copy of Death certificate of the deceased person
- Copy of police report or FIR.
- Copy of Post-Mortem report if required
- Copy of certificate issued by the Coir society, unit, establishment, nominated an officer of coir board.
- Copy of Police report or FIR.
- Copy of disability certificate from a registered medical practitioner.
- Copy of certificate issued by the Coir society, unit, establishment, nominated an officer of coir board.
- Copy of Police report or FIR.
- Copy of disability certificate from a registered medical practitioner.
- Copy of certificate issued by the Coir society, unit, establishment, nominated an officer of coir board.
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.
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It seems you have already initiated your application earlier.To know more please visit
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Check Eligibility
Group Personal Accident Insurance Scheme For Coir Workers
Ministry Of Micro, Small and Medium Enterprises
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