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This scheme by the Ministry of MSME offers insurance coverage to coir workers for accidental death and Read More... permanent disability. Read less

Details

Working with coir can be tough and sometimes risky. For the men and women who dedicate their lives to coir processing, accidents at work can happen. Recognizing this, the Ministry of Micro, Small and Medium Enterprises (MoMSME) has introduced a Group Personal Accident Insurance Scheme specifically for coir workers. This scheme aims to provide a financial safety net for workers and their families in case of unfortunate incidents like accidental death or permanent disability.

What Is This Scheme?

The Group Personal Accident Insurance Scheme for Coir Workers is designed to offer financial protection to individuals involved in coir processing activities. These activities, whether done manually or with machinery, can expose workers to risks. The scheme provides a payout to the worker in case of permanent disability, or to their legal heirs if the worker unfortunately passes away due to an accident.

Who Can Benefit From This Scheme?

The primary beneficiaries of this scheme are coir workers. This includes individuals who are disabled and engaged in coir work, or their nominated beneficiaries if they are deceased or permanently disabled. The scheme aims to support those who face hardships due to the nature of their work.

Why This Scheme Is Important

Coir work often involves strenuous and demanding tasks. Workers can face minor or major accidents during their work. This insurance scheme is crucial as it offers immediate financial relief to the family of a coir worker who dies in an accident. It also provides compensation to workers who suffer a permanent disability, helping them cope with the challenges and financial strain that come with such conditions.

Objective

This scheme by the Ministry of MSME offers insurance coverage to coir workers for 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

You must be either a coir worker with a disability or the nominee of a disabled/deceased coir worker.
If you are applying as a disabled coir worker, you must be at least 14 years old.
If you are applying as a disabled coir worker, your disability must be at least 40%.

How To Apply

To claim benefits under this scheme, specific documents need to be submitted depending on the situation (death, permanent total disability, or permanent partial disability). The process generally involves:

Gathering all the required documents as listed below.
Submitting the claim application along with the supporting documents to the relevant authority as specified by the Coir Board.

For detailed information on the specific submission process and to find the designated offices or personnel, please refer to official Coir Board communications or contact them directly.

Documents Required

In case of Accidental Death:

A copy of the Death Certificate of the deceased.
A copy of the Police Report or FIR.
A copy of the Post-Mortem Report (if applicable/required).
A certificate issued by the Coir society, unit, establishment, or a nominated officer of the Coir Board.

In the case of Permanent Total Disability (PTD):

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.

In the case of Permanent Partial Disability (PPD):

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 disabilities are covered under 'permanent disability' in this scheme?

Permanent disability is defined as the loss of two eyes or two limbs, or the loss of one eye along with one limb. This covers situations of permanent total disability.

What is the maximum amount provided if a coir worker dies due to an accident?

In the event of death caused by an accident, the scheme provides a financial assistance of Rs. 50,000.

Is there an age limit for coir workers applying for this insurance scheme?

If you are applying as a disabled coir worker, you need to be at least 14 years old. There is no upper age limit mentioned for applicants under this scheme.

Can someone from any state in India apply for this insurance scheme?

Yes, absolutely. This scheme is open to citizens across all the states of India.

What are the circumstances under which the insurance cover is NOT applicable?

The insurance cover will not apply in cases of natural death, death due to any illness, death not linked to an accident, self-inflicted injury or suicide, criminal acts, venereal diseases or insanity, impact of alcohol or drugs, war, or nuclear explosions.

Does the scheme offer any specific benefits for women coir workers?

While the scheme doesn't currently have separate provisions specifically for women, the Coir Board is considering including additional benefits. These might cover issues like death or disablement arising from sterilization and its complications, pregnancy, childbirth, caesarean procedures, breast removal, as well as cases of murder and rape.

What if I am a coir worker with a disability; what is the minimum disability percentage required to be eligible?

To be eligible as a disabled coir worker, your disability must be at least 40%.

Are there any benefits provided for the children of coir workers under this scheme?

Currently, there are no direct provisions within this scheme to provide benefits specifically to the children of the applicant.