Group Personal Accident Insurance Scheme For Coir Workers
Group Personal Accident Insurance Scheme for Coir Workers (कोयर श्रमिकों के लिए समूह व्यक्तिगत दुर्घटना बीमा योजना)
The Government of India, through the Ministry of Micro, Small and Medium Enterprises (MoMSME), has introduced a vital group insurance scheme specifically designed for coir workers. This initiative aims to provide financial security against accidental fatalities and permanent disabilities that may affect these workers during their employment.
Overview of the Scheme
This insurance scheme is tailored for individuals engaged in various coir processing tasks, including fiber extraction, coir yarn spinning, and the manufacturing of coir products. Given the strenuous nature of these jobs, workers are at significant risk of accidents, both minor and severe. The scheme not only offers compensation to the legal heirs of workers who suffer accidental deaths but also provides support for those who face permanent total or partial disabilities due to workplace accidents.
Benefits of the Scheme
- Accidental Death: Compensation of Rs. 50,000.
- Permanent Total Disability: Compensation of Rs. 50,000 (applicable for loss of two eyes or two limbs, or one eye and one limb).
- Permanent Partial Disability: Compensation of Rs. 25,000 (applicable for loss of one eye or one limb).
Eligibility Criteria
To qualify for the benefits under this scheme, applicants must meet the following criteria:
- The applicant must either be a disabled coir worker or a nominee of a deceased or disabled coir worker.
- If the applicant is a disabled coir worker, they must be at least 14 years old.
- The applicant must have a disability percentage of at least 40% if they are a disabled coir worker.
Application Process
To submit a claim under the Group Personal Accident Insurance Scheme, applicants must follow these steps:
- Provide immediate written notification of the claim to the Insurance Company through the Coir Board, including all necessary details.
- In the event of death, the notice must be submitted before burial or cremation, and within one month of the death.
- If there is a loss of sight or limb, the claim notice should be filed within one month following the incident.
- For claims related to permanent total or partial disability, applicants are required to obtain a claim form, along with a Doctor’s certificate, medical bills, and diagnostic reports (like x-rays) to substantiate the extent of injuries sustained.
For any necessary interpretations or clarifications from the insurance company, the underwriting office should arrange for an examination of the insured by a surgeon or physician from the Company’s panel. Claims will be processed based on the findings of this report.
Important Notes
The total sum insured is payable only if death occurs due to an accident within 12 months of the incident. This does not require that the death be instantaneous; however, the circumstances surrounding the accident must be thoroughly investigated and verified. This 12-month timeframe is established to prevent delayed claims, which have previously resulted in policy renewals being refused for several years.
In cases involving fatal claims, the nominee or legal heir of the insured must submit a post-mortem report and the original death certificate to the insurance company. It is crucial to confirm that the death was solely due to the accident, and the identity of the nominee must be verified. Legal heirs are required to present evidence of their entitlement, such as a probate, succession certificate, or letters of administration.
Definition of an Accident
An accident is classified as any death or disability resulting from external, violent, and visible means. Examples include drowning, snake bites, automobile accidents, poisoning, falls, lightning strikes, and murder, all of which fall under the policy’s coverage.
Types of Disabilities Covered
| Type of Disability | Description |
|---|---|
| Permanent Total Disability | Loss of two eyes or limbs, or one eye and one limb. |
| Permanent Partial Disability | Loss of one eye or one limb. |
Official Source
For more information, please visit the official page on myScheme.gov.in.
Eligibility Criteria
The applicant must be EITHER a disabled coir worker OR nominee of the disabled/deceased coir worker.
If the applicant is a disabled coir worker, he/she should be at least 14 years in age.
If the applicant is a disabled coir worker, the percentage of disability should be at least 40%.
Benefits
For death due to accident – Rs.50,000.
For permanent total disability (loss of two eyes or two limbs, loss of one eye and one limb) – Rs.50,000.
For permanent partial disability (loss of one eye or one limb) – Rs.25,000.
Application Process
Apply OfflineSubmission of Claim -
To apply for a claim under the insurance scheme, follow the procedure specified below:
Immediate written notice of claim should be given to the Insurance company through Coir Board along with the particulars.
In case of death, notice should be given before internment/cremation within one month from the death.
In case of loss of sight or amputation of limbs, claim notice should be provided within one month from the loss of sight or loss of a limb.
In the case of permanent total or partial disablement and temporary total disablement claims, the insured persons are required to obtain a claim form along with the Doctor’s certificate, medical bills, diagnostic reports, like x-rays, etc. to prove the extent of accidental injuries occurred.
In case of any interpretation required from the insurance company, the underwriting office should ensure the insured is examined by a surgeon or Physician on the Company’s panel and settlement of such claims will be processed based on that report submitted.
The specified capital sum insured is payable only in the event of death occurs by accident, i.e. within 12 months from the date of occurrence of the event but not necessarily instantaneous death in such case the incident should be investigated appropriately or verified as to the proximate cause of death.
This time limit of 12 months is enforced to prevent belated claims as per the policy and for which renewal had been refused for several years earlier. It has to be ensured that the accident must occur during the operational period of the policy.
In case of fatal claims, the nominee of the insured’s person or legal heir should be asked to submit the post-mortem report and the original copy of the death certificate to the insurance company.
The concerned person should make sure that death had occurred solely due to the accident. Also, the concerned officials should satisfy with the identity of the nominee. The legal heirs will have to furnish evidence of their titles such as probate, succession certificate, or letters of administration.
References & Official Links
Scheme Details
| Full Name | Group Personal Accident Insurance Scheme For Coir Workers |
| Short Title | GPAISCW |
| Level | Central |
| Scheme For | Infra |
| Ministry | Ministry Of Micro, Small and Medium Enterprises |
| Categories | Banking,Financial Services and Insurance, Social welfare & Empowerment |
| States | All India |
| Gender | All |
| Age Range | 14 — 18 years |
| Caste/Category | PwD |
| Area | Both |
| Source | www.myscheme.gov.in ↗ |
Deepika Raikwar · 📅 14 Jun 2026
Deepika Raikwar is an Education Analyst and scholarship researcher who focuses on public welfare and merit-based scholarships. She simplifies complex eligibility rules, deadlines, and application processes to help common people access reliable funding opportunities worldwide.
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