Crop Insurance

There are different crop insuremce schemes lauched by Indian Government here you can read about them and apply for them :

1. • (PMFBY)Pradhan Mantri Fasal Bima Yojana

About

• I. Insurance protection for food crops, oilseeds and annual horticultural/commercial crops notified by state government.
• II. Uniform maximum premium for all farmers:
• • Kharif season - 2% of sum insured.
• • Rabi Season 1.5% of sum insured.
• • Annual commercial/horticultural crops - 5% of sum insured
• III. The difference between actual premium and the rate of Insurance payable by farmers shall be shared equally by the Centre and State.
• IV. Claims of full Sum Insured (SI), without capping or reduction in SI.
• V. If the sowing is not done due to adverse weather/climate, claims upto 25% of sum insured will be paid for prevented sowing/planting risk.
• VI. When the crop yield is less than the guaranteed yield of notified crops,the claim payment equal to shortfall in yield is payable to all insured farmers.
• VII. If 50% loss in mid season of crop then on account advance payment, upto 25% of likely claims will be paid as immediate relief.
• VII. Losses caused due to inundation, hail storm and landslide would be assessed at individual farm level.
• IX. Post harvest losses assessment for damage to crops in cut and spread in the field up to 14 days on account of cyclonic rain and unseasonal rain in the entire country.
• X. Use of remote sensing Technology and drones to supplement Crop cutting experiments for faster settlement of claims.

1. • Weather based Crop Insurance Scheme (WBCIS)

About

• I. Insurance protection for notified food crops, oilseeds and horticultural /commercial crops
• II. Uniform maximum premium for all farmers:
• • Kharif season - 2% of sum insured.
• • Rabi Season 1.5% of sum insured.
• • Annual commercial/horticultural crops - 5% of sum insured
• III. The difference between actual premium and the rate of Insurance payable by farmers shall be shared equally by the Centre and State.
• IV. When the Weather indices (rainfall/temperature/relative humidity/wind speed etc) is different (less/ higher) from the Guaranteed Weather Index of notified crops, the claim payment equal to deviation/shortfall is payable to all insured farmers of notified area.
• V. Provision for assessment of losses caused by hailstorm and cloud burst at individual farm level..
• VI.Implementing agency will be selected by the State Government through bid.

1. • Coconut Palm insurance scheme (CPIS)

About

• I. Insurance protection for Coconut Palm growers.
• II. Premium rate per palm ranges from Rs. 9.00 (in the plant age group of 4 to 15 years) to Rs. 14.00 (in the plant age group of 16-60 years).
• III. 50-75% subsidy of premium is provided to all types of farmers.
• IV.When the palm damaged, the claim payment equal to input cost loss damage is payable to the insured in notified areas.

1. • Pilot Unified Package insurance scheme (UPIS) (45 districts)

About

• I. To provide financial protection and comprehensive risk coverage of crops, assets, life and student safety to farmers.
• II. Pilot will include 7 section Viz.., - Crop Insurance (PMFBY / WBCIS), Loss of life (Pradhan Mantri Jeevan Jyoti Bima Yojna (PMJJBY)), Accident Insurance (Pradhan Mantri Suraksha Bima Yojana - PMSBY) , Student safety, Household, Agriculture implements and Tractor.
• III. Farmers may be able to get all requisite insurance products for farmers through one simple proposal/ application Form and through single window.
• IV. Pilot scheme will be implemented through single window.
• V. Two flagship schemes of the Government viz PMSBY & PMJJBY have been included apart from insurance of assets.
• VI. Processing of claims (other than Crop Insurance) on the basis of individual claim report.

How To Apply?

Nearest branches of Bank/ PACS/Cooperative Banks/ Empanelled General Insurance Companies notified for the area and District Agriculture Officer/Block Development Officer may be contacted or visit web portal Crop Insurance portal

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Mukhyamantri Krishak Durghatna Kalyan Yojna

About

• I. Mukhyamantri Krishak Durghatna Kalyan Yojna
• II. The scheme will cover farmers and their family members in the age group of 18-70 years and will be implemented from 14th September last year.
• III. Under Mukhyamantri Paryatan Samvardhan Yojana one tourist point will be developed with a fund of 50 lakh rupees in each and every assembly segment of the state.
• IV. This accidental insurance scheme will cover the following persons:-
• • Account holder / Joint Account Holder Farmers.
• • The Farmer's family includes Mother, Father, Husband, Wife, Girl Child, Boy Children, Daughter in Law, grandson and granddaughter.
• • Landless farmers who perform farming on land taken at pattas.
• • Bataidars who work on other people's fields and share crops after it is harvested.
• V. The candidates must fulfill the following conditions to become eligible for Mukhyamantri Krishak Durghatna Kalyan Yojana:-
• • This scheme will cover farmers and their family members whose age is between 18 to 70 years.
• • Farmers and their family must be a permanent resident of Uttar Pradesh.

How To Apply?

Follow the below steps to apply for Mukhyamantri Krishak Durghatna Kalyan Yojana

1. The farmers or their family members can write an application to the District Collector.

2. This application form must consist of all the detailed information about the incident that happened to the farmer.

3. The written application must be submitted to the Tehsil Office within the time frame specified below.

4. After proper verification by authorities, the assistance amount would be transferred to farmers or their family members depending on the case.

National scheme of welfare of fisherman

About

• I. Fishermen who are in the marine and inland sector are entitled for the following benefits under the scheme.
• II. Livelihood and nutritional support for socio-economically backward active traditional fishers families during fishing ban/lean period. Under this component, assistance is provided @ Rs. 4500/- per fishers which includes Rs. 3000/- per fishers to be provided by the Governemntal and Rs. 1500/- to be contributed by the beneficiary for three months consisting of fishing ban/lean periods and
• III. Insurance to Fishers.
• • Account holder / Joint Account Holder Farmers.
• • The Farmer's family includes Mother, Father, Husband, Wife, Girl Child, Boy Children, Daughter in Law, grandson and granddaughter.
• • Landless farmers who perform farming on land taken at pattas.
• • Bataidars who work on other people's fields and share crops after it is harvested.
• V. The candidates must fulfill the following conditions to become eligible for Mukhyamantri Krishak Durghatna Kalyan Yojana:-
• • The insurance coverage for fishers includes (i) Rs.5,00,000/- against accidental death or permanent total disability.
• • Rs.2,50,000/- for permanent partial disability and
• • Insurance coverage for hospitalization expenses in the event of accident for a sum of Rs. 25,000.

Eligibility

The States should keep the following criteria in view while selecting beneficiaries under the scheme:-

Beneficiary should be a member of a functional local fishers cooperative society/Federation/any other registered body.

Beneficiary should be Below Poverty Line (BPL) and of between 18 and 60 years of age

The beneficiary fishers will save Rs. 1500 over a period of 9 months during fishing season annually towards their contribution with a bank designated by the State/UT Department of Fisheries. States/UTs will devise suitable modalities to ensure transparency and smooth implementation of this activity. Depositing of beneficiary contribution on a lump sum basis in a period of one or two months may be avoided. 

How To Apply?

The scheme is to be implemented by the respective States and Union Territories (UT's). Contact the Department of Animal Husbandaries, Dairying and Fisheries of the respective state.

Go To Government Portal

Mahila Kisan Sashaktikaran Pariyojana (MKSP)

About

• I. Through this scheme, the status of women belonging to the agriculture sector will be improved. Various kinds of opportunities will be provided to women through this scheme. The systematic investment will be made in order to encourage the participation of women in the agriculture industry and increase their productivity. Through this scheme, sustainable agriculture-based opportunities will be created for women.
• II. The government is going to launch various programs in partnership with skill development organizations
• Documents needed to apply
• • Applicant must be a permanent resident of India (The applicant must be a woman belonging to the agriculture sector)
• • Aadhar Card
• • Residence certificate
• • Passport size photograph
• • TMobile number
• • Email id
• • Ration card
• • Income certificate

Step to apply:

The States should keep the following criteria in view while selecting beneficiaries under the scheme:-

First of all, you have to go to the official website of the national rural livelihood mission

On the home page, you are required to click on apply under Mahila Kisan sashaktikaran Pariyojana

You will be redirected to a new page

On the page, you have to enter all the required details

You will be redirected to a new page

Now you have to upload all the required documents

After that you have to click on submit

Go To Government Portal