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Group Personal Accident Insurance Scheme for Coir workers

ABOUT THE SCHEME

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.  In such cases, the insurance of the workers was not taken care by any of the existing welfare schemes being implemented in the Coir Industry.  Coir Board introduced the Coir Workers’ Group Personal Accident Insurance Scheme in 1998 and which was continued upto 31st March 2012.   

           Now, Coir Board has renewed the Coir Workers’ Group Personal Accident Insurance Scheme for a period of six months w.e.f. 11.02.2013 with M/s.HDFC ERGO General Insurance Co. Ltd., Bangalore. 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. 

The details of the scheme are as follows.

 

BENEFICIARIES

·         This Insurance Scheme will cover 4 lakhs coir workers all over India.

·         Coir worker means any person who is employed for wages to do any work in connection with the various processes in coir industry and who gets his wages directly or indirectly from the employer, dealer or producers of coir products and includes any person employed by or through a contractor or through an agent and depends mainly on coir industry for his livelihood.

·         The coir worker may be self-employed, employed in the organized coir industry working in the organization of any of the recognized body or unrecognized body but identifiable by the Coir Board as being a bonafide coir worker.

·         Coir workers aged 18 years and above engaged in the industry (no upper age limit) are covered under the Insurance Scheme.

·          If there arises a question as to whether a person is a coir worker or not for the purpose of insurance coverage, the decision of the Chairman, Coir Board shall be the final.


 

BENEFITS OF THE SCHEME

·         The cover provided is only for accidental death and disability.

·         This policy shall provide financial compensation to the disabled coir worker or nominee of the disabled / deceased coir worker.

·         The accident is defined as death or disability caused by any external violent and visible means.  Drowning, snake bite, automobile accident, poisoning, falling from tree, lightning, murder etc. are some of the accidents coming under the purview of the policy.

  • Any claim other than detailed above will not come under the purview of the insurance scheme.

 

 
COMPENSATION PAYABLE
1. Accidental death
Rs.50,000/-

2. Permanent total disability

a. Loss of two limbs/two eyes
b. Loss of one limb and one eye



Rs.50,000/-
Rs.50,000/-

3. Permanent Partial disability

a. Loss of one limb/one eye


Rs. 25,000/-
Provision for finger cut

Depending upon the finger  and limited to applicable    percentages of capital sum .

PREMIUM
The full amount of premium to the Insurance Company on behalf of 4 Lac coir workers will be paid by Coir Board.
How to apply for the claim
In the event of an eligible admissible claim, the claim form should be submitted through the following Officers of Coir Board authorized for the purpose within the time limit fixed:
Authorized Officer Jurisdiction
The Regional Officer,
Coir Board Regional Office,
Door No.103, Vallalar Street,
Venkatesha Colony,  Pollachi - 642001
Tel/Fax : 04259-222450

Tamil Nadu, Andaman & Nicobar Islands,
Pondicherry

The Regional Officer,
Coir Board Regional Office,           

Swaraj Nagar.A.C. Gardens
Rajahmundry-533 101   

 Phone:0883-2432065

Andhra Pradesh,

The Regional Officer,
Coir Board Regional Office,

 Near Attingal Municipal Town Hall, Attingal.P.O. Trivandrum - 695 101.

Phone: 0470-2628624

Lakshadweep, all Districts of Kerala except Alappuzha, Kottayam and Idukki

The Regional Officer,
Coir Board Regional Office,

 No. 3A, Peenya Industrial Area,

Near TVS Cross, Peenya,

Bangalore - 560 058                        

Phone : 080 - 28375023

Karnataka, Maharashtra,
Goa and Gujarat.

The Regional Officer,

Coir Board Regional Office, Jagamara (Udyogpuri), P.O.Khandagiri, Bhubaneswar-751 030, Odisha Phone:0674-2350078

Odisha

The Sub Regional Officer,

Coir Board Sub Regional Office,      

New Secretariat Building, C-Block,

Ground Floor, 1 Kiran Sankar Roy Road,

Kolkata-700 001                     

Phone:033-64586422              

West Bengal

The Sub Regional Officer, 

Coir Board Sub Regional Office,    

ASIDC Complex, Bhamuni Maidan,

Guwahati-781022                      

Phone:0361-2556828

North Eastern Region

The Extension Service Officer,
Office of the Coir Mark Scheme,   
Coir Board, New Model Society Building,

Alleppey - 688 001
Phone: 0477 - 2245325

Alappuzha, Kottayam and Idukki districts of Kerala
DOCUMENTS TO BE PRODUCED ALONG WITH CLAIM APPLICATION
i Appointment letter from the employer
ii Salary slip of the employee / wage extract of the Wage Register
iii Proof of leave application
iv Letter from Head – Human Resource for not being present in the office
v ID Proof – Election Card / PAN Card / Driving License / Passport Copy
vi Attendance sheet extract
vii Ration Card with occupation details
viii Certificate from Coir Board confirming the person was a Coir Worker.  Signed by authorized persons from Coir Board.
ix Certificate from the Village Revenue Officer confirming the person was a Coir Worker
x Copy of the Pass Book Coir Welfare Fund Board
xi Post Mortem Report
xii FIR and Police Panchnama
xiii Death Certificate
xiv Other documents considered necessary depending upon the type of claim

(Note documents at Sl.No. i-iv & vi are not applicable to coir workers engaged in the unorganized sector)

TIME FRAME FIXED FOR CLAIM INTIMATION AND SUBMISSION OF CLAIM DOCUMENTS
a For intimation of claims upto 90 days
b For submission of claim documents  upto 9 months from the date of occurrence of the event.

Application form

Application forms and other details, if any, can be had from the above offices.

Settlement of Claim

The claim will be settled by the insurance company on receipt of the claim with required documents from the authorized officer of the Coir Board in the Head Office  at Kochi.  The compensation received from the Insurance Company will be forwarded to the Beneficiary’s address under intimation to the authorized officer of the Board.

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