Kerala launches ‘Rakshakavacham’ accident insurance scheme for private sector workers

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Minister for Labour V Sivankutty launching ‘Rakshakavacham’ connected  Tuesday.

Minister for Labour V Sivankutty launching ‘Rakshakavacham’ connected Tuesday.

Minister for Labour V Sivankutty connected Tuesday launched ‘Rakshakavacham,’ a caller mishap security strategy aimed astatine providing fiscal information to backstage assemblage workers successful the state.

Describing it arsenic a “major labour payment initiative,” Mr Sivankutty said the strategy would connection important extortion to workers and their families during times of crisis.

Inaugurating the strategy here, helium said ‘Rakshakavacham’ would supply extortion and assurance to lakhs of backstage assemblage workers, describing the labour unit arsenic the backbone of Kerala’s development.

‘Rakshakavacham’ means “shield of protection.”

The Minister said the authorities had earlier implemented the Wage Security Scheme to guarantee timely outgo of wages, and astatine present, implicit 3.65 lakh establishments and much than 13 lakh workers are covered nether the system.

“Beyond wage security, the authorities felt the request to enactment the household of a idiosyncratic during times of crisis. It was from this interest that the ‘Rakshakavacham’ security strategy was conceived,” the Minister said.

The strategy is simply a radical idiosyncratic mishap security programme implemented done the Comprehensive Health Insurance Agency of Kerala (CHIAK) for workers employed successful establishments registered nether the Wage Security Scheme. CHIAK is the nodal bureau for implementing nationalist wellness security schemes successful the State.

In the lawsuit of accidental death, whether astatine the workplace oregon otherwise, the household of the deceased idiosyncratic volition person ₹5 lakh arsenic contiguous fiscal assistance. The magnitude volition beryllium provided successful summation to benefits disposable nether the Workmen’s Compensation Act, Mr Sivankutty said.

He added that with an yearly publication of ₹150, the authorities aims to widen the information screen to astir 25 lakh workers.

Considering the value of the scheme, ₹30 lakh state been allocated for it successful the 2025–26 State Budget.

The Minister noted that accidents involving backstage assemblage workers often propulsion families into indebtedness and poorness and said the assistance nether the strategy would connection important alleviation and assistance them recover.

Registration for the strategy volition beryllium carried retired done CHIAK with the enactment of the Labour Department. In the lawsuit of death, applications tin beryllium submitted to the nodal agency’s territory serviceman on with the decease certificate, FIR and ineligible heir certificate.

Officials person been instructed to verify eligibility and guarantee speedy disbursement of assistance, helium said, appealing to employers to enrol their workers nether the scheme.

Published - February 10, 2026 11:50 p.m. IST

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