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Group Personal Accident Insurance Scheme for Coir workers
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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. |
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BENEFICIARIES
·
This Insurance Scheme will cover 4 lakhs coir
workers all over India.
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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.
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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.
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Coir workers aged 18 years and above engaged in the
industry (no upper age limit) are covered under the
Insurance Scheme.
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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.
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The cover provided is only for accidental death and
disability.
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This policy shall provide financial compensation to
the disabled coir worker or nominee of the disabled
/ deceased coir worker.
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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.
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Any claim other than detailed above will not come
under the purview of the insurance scheme.
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| 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
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Rs.50,000/-
Rs.50,000/-
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3. Permanent Partial disability
a. Loss of one limb/one eye
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Rs.
25,000/-
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Provision for finger cut |
Depending upon the finger and limited to applicable percentages of capital sum . |
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| PREMIUM |
| The full amount of premium to the Insurance Company on behalf of 4 Lac coir workers will be paid by Coir Board. |
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| How to apply for the claim |
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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
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Tamil Nadu, Andaman & Nicobar Islands,
Pondicherry |
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The Regional Officer,
Coir Board Regional Office,
Swaraj Nagar.A.C. Gardens
Rajahmundry-533 101
Phone:0883-2432065 |
Andhra Pradesh, |
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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 |
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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. |
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The Regional Officer,
Coir Board Regional Office, Jagamara (Udyogpuri),
P.O.Khandagiri, Bhubaneswar-751 030, Odisha
Phone:0674-2350078 |
Odisha |
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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
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West Bengal |
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The Sub Regional Officer,
Coir Board Sub Regional Office,
ASIDC Complex, Bhamuni Maidan,
Guwahati-781022
Phone:0361-2556828 |
North Eastern Region |
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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 |
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DOCUMENTS TO BE PRODUCED ALONG WITH CLAIM APPLICATION |
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i |
Appointment letter from the employer |
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ii |
Salary slip of the employee / wage extract of the
Wage Register |
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iii |
Proof of leave application |
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iv |
Letter from Head – Human Resource for not being
present in the office |
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v |
ID Proof – Election Card / PAN Card / Driving
License / Passport Copy |
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vi |
Attendance sheet extract |
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vii |
Ration Card with occupation details |
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viii |
Certificate from Coir Board confirming the person
was a Coir Worker. Signed by authorized persons
from Coir Board. |
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ix |
Certificate from the Village Revenue Officer
confirming the person was a Coir Worker |
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x |
Copy of the Pass Book Coir Welfare Fund Board |
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xi |
Post Mortem Report |
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xii |
FIR and Police Panchnama |
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xiii |
Death Certificate |
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xiv |
Other documents considered necessary depending
upon the type of claim |
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(Note:
documents at Sl.No. i-iv & vi are not applicable
to coir workers engaged in the unorganized sector) |
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TIME FRAME FIXED FOR CLAIM INTIMATION AND
SUBMISSION OF CLAIM DOCUMENTS |
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a |
For intimation of claims |
upto 90 days |
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b |
For submission of claim documents |
upto 9 months from the date of occurrence of the
event. |
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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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