How to Apply Pradhan Mantri Crop Insurance Scheme Eligibility

 The main point of the Pradhan Mantri Crop Insurance Scheme

 

Farmers in our country have always felt insecure, sometimes due to natural calamities and sometimes due to falling market prices.

Insurance scheme for farmers was already there. But this could not be successful due to many reasons – sometimes the pre-wrapmium rates are too high, sometimes the claim amount is too low and sometimes the local loss is not included. As a result, only 20 percent of the farmers were involved, and they had to face many problems to get their rights. Hence, farmers' hopes were lifted from insurance schemes.

In view of this, after extensive deliberations with the states, farmers and insurance companies, the 'Pradhanmandhiri Crop Insurance Scheme' has been launched to provide extensive benefits to the farmers. The key points of this plan are:

    This is the biggest support of the government till now in crop insurance.
    As a result, this will be the lowest ever pre-wrapmium rate for farmers.
    The remaining burden will be borne by the government – ​​even if it is more than 90%.
    There will be one seasonal rate for food pulses, oilseed crops – District-wise and crop-wise separate rates will now be removed – Kharif: only 2% and Rabi: only 1.5%.
    There will be full protection – there will be no capping on the insurance and therefore no reduction or deduction in the claim amount.
    For the first time, water depletion has been included among the local risks.
    For the first time, the risk of cyclones and untimely rains after harvest across the country has also been included.
    Extensive use of mobile and satellite technology is emphasized for first-time accurate estimates and quick payments. 

Efficient Farmers, Prosperous India

Lowest insurance rates for farmers – one crop – one rate (Kharif: 2 percent, Rabi: 1.5 percent, commercial and horticultural crops: 5 percent)
    Full Protection – There is no reduction or maximum limit on the claim amount.
    Effective policy decisions for sugarcane farmers – reduction of arrears from Rs 21,000 crore to Rs 2,500 crore, increase in export duty, 250 percent increase in ethanol blending.
    Natural calamity assistance criteria: Compensation halved, eligibility reduced from 50 percent to 33 percent, government procurement of manpower, changes in loan repayment and timelines, 50 percent increase in sub CD with sub CD on diesel.
    To facilitate access to credit, the agricultural credit limit has been increased to Rs 8.5 lakh crore.
    Protection of farmers' long-term interests in the World Trade Organization.

Incorporated farmers

All farmers in a notified area will be compulsorily included in the scheme during the period. For inclusion of names in the plan. Notified crops of notified areas for which ownership is vested. Farmers must fulfill the following conditions.

    Farmers of notified areas having grain account / KCC account (borrower farmers) to whom loan amount will be disbursed.
    Other farmers who are determined by the government.

Farmers who do not meet the above conditions are also sometimes included voluntarily.

Assessment of losses under the scheme

Crop loss (harvest grain in notified area)

    Losses are estimated as loss of yield due to problems like no resistance, natural fire, lightning, storm, hailstorm, storm, typhoon, tornado, flood hazard, landslide, drought, pest, disease etc.
    If a farmer in a notified area is unable to produce crops due to some natural calamity, he will get 25 percent of the sum insured.
    If the crop is damaged due to any problem while the crop is being harvested or fell in the field, the farmer will get the sum insured.
    If crops are lost due to local problems like landslides, storms etc. then the farmer will get the sum insured.