Prime crop insurance scheme
India is a country of farmers where the maximum proportion of rural population is dependent on agriculture. Hon’ble Prime Minister unveiled a new scheme Prime Minister’s Crop Insurance Scheme (PMFBY) on January 13, 2016.
This scheme will help reduce the burden of premium on those farmers who take loans for their farming and also the prime minister’s crop insurance scheme will protect them from bad weather. This crop insurance scheme of Prime Minister includes the best features of all previous schemes and at the same time, all previous deficiencies / vulnerabilities have been removed. The two important schemes introduced in India by the PMFBY scheme will be given to the Prime Minister’s Crop Insurance Scheme, National Agricultural Insurance Scheme and revised NAIS plans.
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Purpose of Prime Crop Insurance Scheme
In the event of failure of any notified crop as a result of natural disasters, pests and diseases, insurance assistance and financial assistance to farmers will be provided by this scheme.
To ensure their continuity in farming, the income of the farmers will come to an increase with the increase in their income.
Farmers will be encouraged to adopt innovative and modern farming practices as well as ensuring flow of credit in the agricultural sector etc. The main objectives of this scheme are
Highlights of the Prime Crop Insurance Scheme
- Farmers will have to pay only 2% for all kharif crops and 1.5% premium for all Rabi crops. In the case of annual commercial and horticultural crops, the premium paid by farmers will be only 5%.
- The premium rates paid by farmers are very low and due to natural calamities the payment of the remaining amount will be made by the government to provide full sum insured for crop damage to the farmers.
- There is no upper limit on government subsidy. Even if the balance premium is 90%, it will also be borne by the government.
- Earlier, there was provision for capping at the premium rate, so that farmers were paid lesser claims. Now it has been removed and the farmers will get the claim of full sum insured without any deduction.
- The use of technology will be encouraged to a great extent. To reduce the delay in claim payment to farmers, smart phones will be used for capturing and uploading crop data.
- Remote sensing will be used to reduce the number of crop cutting experiments.
- PMFBY is a replacement plan of NAIS / MNAIS, all the services included in the implementation of the scheme will be exempt from the service tax liability. It is anticipated that the new scheme will ensure about 75-80 percent subsidy for farmers in insurance premium.
Which coverage is included under the Prime Minister’s Crop Insurance Scheme
Coverage of farmers
- Notified farmers in the notified areas are eligible for all farmers’ coverage, including lessee / tillage farmers.
Coverage of crops
- Food crops (cereals, millets and pulses)
- Annual commercial / annual horticultural crop
- The following steps of the crop and the risks associated with crop damage are covered under the Prime Crop Insurance Scheme.
- Risk related to sowing: Risks in sowing due to low rainfall or adverse weather conditions in the insured area.
- Steep crop (for sowing till harvesting): Due to non-preventable risks such as drought, famine, floods, floods, pests and diseases, landslides, natural fire and electricity, storms, hailstorms, cyclones, storm hurricanes and tornadoes etc. Comprehensive risk insurance will be provided to cover the loss of yield.
- Damage after harvesting: After harvesting, coverage is available for a maximum period of two weeks from harvesting due to cyclone and cyclonic rain and uneven rainfall.
- Localized disasters: loss / damage caused to separate fields affected by the occurrence of local exposure such as rains, landslides and floods in the notified area.
Under the following risks, the benefits of the Prime Minister’s Crop Insurance Scheme will not be given.
- War and intimate threats
- Nuclear risk
- malicious damage
- Theft or act of hostility
- The risks of going away from domestic / or wild animals and other preventable risks will be excluded from coverage.
How to apply in the Prime Minister’s Crop Insurance Scheme
1. Visit the official portal of Crop Insurance Scheme by clicking on the link given for applying and registration in the Prime Minister’s Crop Insurance Scheme. Https://pmfby.gov.in/
2. Click on the register button showing in the portal and register the farmer on crop insurance scheme portal.
3. Select the Stakeholder to calculate according to your bank, State GOVERMENT and Insurance Company
4. Select the category of the stakeholders you select, and then select the user category.
5. Then click the Create button, after that fill in all the information sought in the form and click the Create button to register the farmer successfully on the portal.
For more information visit official website pmfby.gov.in
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