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This scheme by the Ministry of Micro, Small & Medium Enterprises (MoMSME) offers financial protection to coir Read More... workers against accidental death and permanent disability. Read less

Details

Working with coir can be tough, involving manual labour and machinery that carries inherent risks. To support coir workers facing potential accidents, the Ministry of Micro, Small & Medium Enterprises (MoMSME) has introduced a special insurance scheme.

What Is This Scheme?

The Group Personal Accident Insurance Scheme for Coir Workers is designed to provide a financial safety net. It offers compensation if a coir worker tragically dies due to an accident or suffers a permanent disability.

Who Can Benefit From This Scheme?

This scheme is for coir workers who engage in activities like fibre extraction, yarn spinning, and rope making. It aims to help them or their families in case of unforeseen accidents at work or elsewhere.

Why This Scheme Is Important

The coir industry is a significant source of livelihood for many. This insurance provides crucial financial support, ensuring that workers or their families receive compensation, thus offering some relief during difficult times caused by accidents or disabilities.

Objective

This scheme by the Ministry of Micro, Small & Medium Enterprises (MoMSME) offers financial protection to coir workers against accidental death and permanent disability.

Benefits

The grant will cover basic project assistance (including research staff for the Indian awardee, consumables, and contingency) for the awardee in the parent country and a one-month research stay in the host country (single round-trip airfare, visa fee, medical insurance, per diem for the stay).

Indian awardee:

Travel (including visa fee and insurance) approximately ₹1 lakh.
Project cost up to ₹12 lakhs/year (including research staff, consumables, contingency, and per diem @ €2300/month in Germany).

German awardee:

Travel (including visa fee and insurance) approximately €1500.
Project cost up to €14500/year (including consumables, contingency, and per diem @ € 2300/month in India).

Sources and references

Guideline

Eligibility Criteria

Applicants should be either a coir worker with a disability or the nominee of a disabled/deceased coir worker.
If you are a disabled coir worker applying, you must be at least 14 years old.
The disability percentage for coir workers must be at least 40%.

How To Apply

To claim benefits under this scheme, specific documents related to the accident (death, permanent total disability, or permanent partial disability) need to be submitted. These include:

Death certificate (for accidental death cases)
Police report or FIR
Post-Mortem report (if applicable)
Disability certificate from a registered medical practitioner (for disability cases)
Certificate issued by the Coir society, unit, establishment, or a nominated officer of the Coir Board.

For detailed application procedures and submission points, please refer to the official Coir Board website or contact their designated offices.

Documents Required

For Accidental Death Claims:

A copy of the deceased coir worker's death certificate.
A copy of the police report or First Information Report (FIR).
A copy of the Post-Mortem report, if required.
A certificate issued by the Coir society, unit, establishment, or a nominated officer of the Coir Board.

For Permanent Total Disability (PTD) Claims:

A copy of the police report or FIR.
A disability certificate from a registered medical practitioner.
A certificate issued by the Coir society, unit, establishment, or a nominated officer of the Coir Board.

For Permanent Partial Disability (PPD) Claims:

A copy of the police report or FIR.
A disability certificate from a registered medical practitioner.
A certificate issued by the Coir society, unit, establishment, or a nominated officer of the Coir Board.

FAQ’s

What kind of accidents are covered by this insurance scheme?

The scheme covers death or permanent disability resulting directly from an accident. It does not cover natural deaths or deaths caused by diseases. Exclusions include self-injury, suicide attempts, crimes, insanity, drug/alcohol influence, war, and nuclear events.

If I am a coir worker and my disability is 50%, am I eligible?

Yes, if you are a coir worker and have a disability of at least 40%, you are eligible to apply for benefits under this scheme.

What is the amount provided if a coir worker loses one eye due to an accident?

For permanent partial disability, such as the loss of one eye, the coir worker is entitled to receive Rs. 25,000.

Is there an age limit to apply for this scheme as a coir worker?

If you are a disabled coir worker applying yourself, you must be at least 14 years old. There is no upper age limit mentioned for coir workers to be eligible.

Can a person from any state in India benefit from this scheme?

Yes, this scheme is applicable to coir workers across all states and union territories in India.

What is considered 'permanent total disability' under this scheme?

Permanent total disability is defined as the loss of both eyes, or both limbs, or one eye and one limb.

What financial help is given if a coir worker dies in an accident?

In the unfortunate event of accidental death, the scheme provides a financial assistance of Rs. 50,000 to the legal heir or nominee.

Are there specific benefits for women coir workers mentioned currently?

While the current scheme doesn't list separate benefits specifically for women, the Coir Board is considering adding provisions for women, such as covering complications arising from sterilization, pregnancy, childbirth, or issues like breast removal. It also aims to potentially include benefits related to cases of murder and rape.