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GOVERNMENT OF INDIA
MINISTRY OF AGRICULTURE AND FARMERS WELFARE
LOK SABHA
UNSTARRED QUESTION NO: 2807
ANSWERED ON:  15.03.2016
Operational Guidelines for PMFBY
PR. SENTHILNATHAN
Will the Minister of



AGRICULTURE AND FARMERS WELFARE be pleased to state:-


(a) whether the Union Government has recently released operational guidelines for implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY);

(b) if so, the details thereof; and

(c) the advantages/benefits under the said guidelines?


ANSWER
MINISTER OF STATE IN THE MINISTRY OF AGRICULTURE AND FARMERS WELFARE

???? ??? ????? ?????? ???????? ??? ????? ?????? (SHRI MOHANBHAI KUNDARIYA)

(a): Yes, Madam.

(b): & (c): The existing crop insurance scheme namely, National Crop Insurance Programme (NCIP) with its three component schemes viz. Modified National Agricultural Insurance Scheme (MNAIS), Weather Based Crop Insurance Scheme (WBCIS) & Coconut Palm Insurance Scheme (CPIS) and National Agricultural Insurance Scheme (NAIS) have been comprehensively reviewed and Government of India has recently approved the Pradhan Mantri Fasal Bima Yojana (PMFBY) which would replace the existing schemes of National Agricultural Insurance Scheme (NAIS) & Modified National Agricultural Insurance Scheme (MNAIS) from ensuing Kharif 2016. Government has also circulated the Operational Guidelines of the new scheme on the basis of which the scheme would be actually implemented by all the stakeholders including States/UTs, insurance companies, financial institutions etc.

PMFBY is a marked improvement over the earlier schemes on several counts and comprehensive risk coverage from pre-sowing to post-harvest losses has been provided under it. Unit area of insurance has been reduced to village/village panchayat level for major crops where claims will be settled on unit area basis. However, for localized risks like hailstorm, landslide and inundation, claims will be settled on individual farm basis. The premium payable by farmers has been substantially reduced and simplified and there is One premium rate on pan-India basis for farmers which would be maximum 1.5%, 2% and 5% for all Rabi, Kharif and annual horticultural/commercial crops, respectively. Other improved features of the scheme are - no capping on premium with no deduction in sum insured; provision for coverage of the risk of post harvest losses due to cyclonic & unseasonal rains will be applicable on pan-India level, allocation of districts/areas on cluster/ group basis and for longer period to insurance companies, for more effective implementation, as well as use of remote sensing technology & use of smartphone for getting images of Crop Cutting Experiments etc. for early settlement of claims have also been introduced. Salient features of the scheme are annexed.


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