Prime Minister Crop Insurance Schemes

  • प्रधानमंत्री फसल बीमा योजना,
  • PradhanMantri Phasal Bima Yojana,
  • Prime Minister Crop Insurance Schemes,
  • Scheme- Government has announced a scheme to the farmers for the protection of the crops from damages.
  • Protection from- Flooding, losses form fire, from hill slips, damage from insect, damage from dryness, damage from rainfall, hail strom  and others.
  • If farmers could not sown their crops then 25% of the insured amount will be given to the farmers but the more then 75% farmers should be unable to sow their crops.
  • if farmers have harvested their crops but it is in the field and the crop losses upto 15 days after cutting of the crops then farmer will also get the money if farmer get  loss.
  • Premium Amount
  • For Kharif crop the amount of premium is 2 % of the insured amount. for example if for soybean insured amount is 50000 Rs./hectre then the premium amount will be 1000 Rs./hectre.
  • For Ravi crop the amount of premium is 1.5 % of the insured amount. for example if for wheat insured amount is 50000 Rs./hectre then the premium amount will be 750 Rs./hectre.
  • For commercial crop and horticultural crop the amount of premium is 5 % of the insured amount. for example if for wheat insured amount is 150000 Rs./hectre then the premium amount will be 7500 Rs./hectre.
  • How to do insurance– 1. after crop sowing take the crop sowing certificate from the Patwari, or Panchayat secretary or from the rural agriculture extention officer.
  • 2. take the document of the land ( khata Khasra)
  • 3. identity card- Adhar Card.
  • 4. and go to your bank in which you have account and fill the application of insurance and give the premium amount from the account.
  • 5. give your all document with premium to bank officer and take the receipt.
  • Now your crop insurance will complete.
  • How to claim is approved
  • If losses occur from the individual or not sown situation or losses after harvesting of the crops.
  • in that case the inspection team of agriculture and revenue officers inspect the losses and make pancnama for that.
  • in other cases-
  • if losses occurs at large scale or in normal season the crop cutting experiment is done these are done by the agriculture and revenue officers individually. In crop cutting experiment 5 m*m area crop is cut  and the yield of this area is measured and the crop yield of this area is feed in a online software.
  • the Crop Cutting Experiment is done by the help of mobile software in which photo of the field , cutting area is taken khasara number of the land is also noted in this.
  • in one patwari halka 20-30 experiment is done.
  • after that the yield of last seven years is taken in which two years  in which yield is mimimum is left and remaining 5 years yield average is taken on the basis of this average the current years yield is comapared .
  • if the yield of current year is less than average of last five years then insurance claim is provided to the farmer at the rate of percentage lose.

Thanks.

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