<h1>Kerala launches Rakshakavacham accident insurance for private sector workers, Rs. 5 lakh death benefit, Rs. 150 annual contribution.</h1> Kerala's Rakshakavacham is a group personal accident insurance scheme implemented through CHIAK for workers in establishments registered under the Wage Security Scheme. It provides a five lakh rupee immediate assistance payment to families on accidental death, additional to Workmen's Compensation benefits. Coverage targets about 25 lakh workers for an annual contribution of 150 rupees, with enrolment via CHIAK and the Labour Department. Claims require a death certificate, FIR and legal heir certificate, and district officers will verify eligibility and manage disbursement.