Official Website of Insurance Department
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Online Facilities in Employees' Group Insurance Scheme (GIS)

Department have introduced the facility to file applications online for GIS Membership and Claims through the web URL www.insurance.kerala.keltron.in All DDOs are requested to Sign Up in the website to submit applications.  Applications for GIS Membership and Claims of those employees whose salaries are processed through SPARK should be submitted online wef. 01/04/2016

VISWAS Online Help File

Group Personal Accident Insurance Scheme (GPAIS) - 2016


In GO(P) No.  526/2015/Fin Dated 19/11/2015 Government have renewed the Group Personal Accident Insurance Scheme for a further period of one year from 01/01/2016.

Instructions :

  1. Applicable to all State Government Employees and Teachers, Part-time Contingent Employees, Teaching & Non-teaching Staff of Aided Schools and Colleges, Employees of Panchayats and Municipal Common Service including Part-time Contingent Employees, Employees of Universities, Public Sector Undertakings, Co-operative Institutions, Autonomous Bodies and other Government Institutions
  2. Annual one-time premium of Rs. 750/- for employees of KSEB, Rs. 450/- for employees of KSRTC and Rs. 300/- for State Government employees and employees of Aided Institutions, Universities,  Co-operative Institutions, Autonomous Bodies, and all other Public Sector Undertakings.
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The Kerala State Insurance Department is a Commercial Department doing both General Insurance Business and Life Insurance business. It came into existence in the erstwhile Royal Travancore State in 1896. In the year 1979 this department was declared as commercial department It is empowered to under write General Insurance of any subject in which State Government has substantial financial interest.

Registration with IRDA : This Department is registered with IRDA under Reg. No.539 as per 3 of Insurance Act 1938 and Registration is renewed every year as per 3(a) of the same Act on remitting the renewal fees.

Proforma Accounts : Since State Insurance Department is a commercial department, Proforma accounts is prepared in the prescribed form and Accountant General certifies the Fund Balance of the Department every financial year. Entire management expenses of the Department and Pension Contribution of employees are deducted from the Fund Balance of the department. Even after this the  department is making profit in both Life Insurance and General Insurance.

Fund Balance & Profit : This department is sharing a portion of profit earned in General Insurance business every financial year. Total Fund Balance for the financial year 2013-2014 is Rs. 3542.55 Crores.

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“Improving the lives of the millions of people is a noble endeavor. It can also be a lucrative one”

Although it may feel good to be living the independent life no man is an island! In today’s world where members of a family live in the same house but in their own worlds, each engaging to their own activities, watching their own TVs and reaching out to their circles with personal phones and their computers. However, there is oneness of purpose and mutual support. The word ‘insurance’ in our society is sprinting far ahead of itself with a business growth.  The insurance industry is catching people’s imagination; all of it has to do with getting new products and better service.  


Flash News

Seniority List of Gazetted and Non-Gazetted Officers as on 31/12/2015 Published

Group Personal Accident Insurance Scheme (GPAIS) - Renewed for 2016

Time to Enroll in the Group Insurance Scheme (GIS) Revised

Indemnity Bond for Duplicate SLI Policy Revised

Insurance for MPKBY/SAS Agents - Renewed


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