Group Personal Accident Insurance Scheme For Coir Workers


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A group insurance scheme by MoMSME for coir workers. The scheme provides insurance cover against accidental death and permanent disability of the insured member.

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. 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.


  1. For death due to accident – Rs.50,000.
  2. For permanent total disability (loss of two eyes or two limbs, loss of one eye and one limb) – Rs.50,000.
  3. For permanent partial disability (loss of one eye or one limb) – Rs.25,000.


  1. The applicant must be EITHER a disabled coir worker OR nominee of the disabled/deceased coir worker.
  2. If the applicant is a disabled coir worker, he/she should be at least 14 years in age.
  3. If the applicant is a disabled coir worker, the percentage of disability should be at least 40%.