Kera Suraksha Insurance Scheme | Coconut Palm Coverage

Overview

Kera Suraksha is a coconut palm insurance scheme implemented by the Coconut Development Board of India. It provides insurance coverage to coconut farmers for loss of palms due to natural disasters, disease, or pest attacks. The scheme is available nationally and is especially relevant for farmers in Kerala and other coconut-growing states.

Objective

The scheme protects coconut farmers from financial loss when their palms are damaged or destroyed by unforeseen events. Coconut palms take several years to mature, so losing them can cause severe economic damage. Insurance coverage provides a safety net and encourages farmers to invest in better plantation practices.

Benefits

• Insurance cover per coconut palm for loss due to natural calamities, disease, or pest attacks
• Subsidized premium for small and marginal farmers
• Cover available for palms of specified age and health
• Claim payment based on the number of palms lost
• Easy enrollment through the Coconut Development Board offices

Eligibility

• Any coconut farmer who owns or leases coconut palms
• Palms must be between 4 and 60 years of age to qualify for coverage
• Farmer must register their coconut garden with the Coconut Development Board
• Both small holdings and larger farms can participate

Exclusions

• Palms younger than 4 years or older than 60 years are not covered
• Loss due to neglect or poor maintenance is excluded
• Palms not registered with the Coconut Development Board
• Damage caused by theft or vandalism is not covered

Application Process

1. Register your coconut garden with the nearest Coconut Development Board office
2. Fill in the Kera Suraksha enrollment form
3. Pay the prescribed insurance premium (subsidy applied for eligible farmers)
4. Receive the policy certificate after enrollment
5. In case of loss, file a claim with the board and attach an inspection report
6. Claim is assessed and compensation disbursed after verification

Documents Required

• Land ownership or lease documents
• Aadhaar card
• Bank account details
• Details of coconut palm count and age
• Coconut Development Board registration certificate
• Passport-size photographs