Lok Sabha Question No. 85 (STARRED), answered on 2016-11-22
Subject: Compensation under Crop Insurance Scheme
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Kantilal Bhuria

O.I.H.

## GOVERNMENT OF INDIA MINISTRY OF AGRICULTURE AND FARMERS WELFARE DEPARTMENT OF AGRICULTURE, COOPERATION & FARMERS WELFARE

## LOK  SABHA STARRED QUESTION NO. 85

TO BE ANSWERED ON THE 22 ND  NOVEMBER, 2016

## COMPENSATION UNDER CROP INSURANCE SCHEME

## *85. SHRI KANTI LAL BHURIA:

Will  the  Minister  of  AGRICULTURE  AND FARMERS WELFARE कृ ष एवं कसान कयाण ½ãâ¨ããè be pleased to state:

- (a) the  unit  taken  into  consideration  for  determining  crop  insurance  and  scale  of compensation provided under various crop insurance schemes;
- (b) the  extent  to  which  the  farmers  are  compensated  by Insurance  companies  in  the event of damage or loss of crop due to natural calamities;
- (c) whether  compensation  under  the  various  crop  insurance  schemes  has  been provided to the farmers for damage of crops owing to hailstorm, excessive rainfall, storms, etc.  during  the  last  year  and  the  current  year  and  if  so,  the  details  thereof,  PSU  and Insurance company-wise and State-wise; and
- (d) if  not,  the  reasons  therefor  and  the  time-frame  drawn  for  compensating  farmers under various crop insurance schemes?

## ANSWER

## MINISTER OF AGRICULTURE AND FARMERS WELFARE

कृ ष एवं कसान कयाण ½ãâ¨ããè

(SHRI RADHA MOHAN SINGH)

(a) to (d): A statement is laid on the Table of the House.

STATEMENT  REFERRED  TO  IN  REPLY  TO  PARTS  (a)  TO  (d)  OF  LOK  SABHA

STARRED QUESTION NO. 85  DUE FOR REPLY ON 22 ND  NOVEMBER, 2016.

(a):

The unit taken into consideration for determining Crop Insurance under Pradhan

Mantri Fasal Bima Yojana (PMFBY) is village/village panchayat or any other equivalent unit as notified by State Government for major crops. For other crops it may be a unit of

size  of  village/village  panchayat  or  above.   Under  Restructured  Weather  Based  Crop

Insurance  Scheme  (WBCIS)  Reference  Unit  Area  (RUA)  is  notified  by  the  State

Government  based  on  available  Automatic  Weather  Stations  (AWSs)/Automatic  Rain gauge Stations (ARSs) in the area.

The scale of compensation is based on the sum insured which under both the schemes  is  equal  to  Scale  Of  Finance  per  hectare  as  decided  by  the  District  Level

Technical Committee (DLTC) for relevant crop in that district.

(b):

In the

event of

damage or

loss of

crop due

to natural

calamities, compensation/claim  is  determined  based  on  the  shortfall  in  actual  yield  as  assessed

through  Crop  Cutting  Experiments  (CCEs)  vis-a-vis  threshold  yield.    Threshold  yield being average yield of past seven years (excluding a maximum two calamity year(s) as

notified by State Government/ Union Territory) multiplied by applicable indemnity level for that crop.

The compensation/claim amount is arrived thereafter as per the formula below :

(Actual Yield - Threshold Yield)       X  Sum Insured

Threshold Yield

-2-

(c) & (d):         As per  provisions of  the schemes, the claims are being processed and settled  by  the  concerned  insurance  companies  based  on  the  final  yield  data/weather data provided within the stipulated time by the State Government/designated agencies. The claims settled by the insurance companies during Kharif 2015 and Rabi 2015-16 under various crop insurance schemes are annexed.

For  the  schemes  implemented  in  2015-16,  State  Government  and  Central Government  were  to  provide  equal  subsidy  towards  premium  and/or  settlement  of claims  as  per  the  relevant  scheme.  All  proposals  of  premium  subsidy  and/or  claims received from the implementing agency by the Central Government have been cleared. For current year Central Government has already initiated release of funds towards its share of upfront advance premium subsidy.    Claims for the current year will however be settled  as per the  time frame  provided in  the  schemes, according to  which cut-off date  for    receipt  of  yield  data  is  within  one  month  from  final  harvest.    Thereafter,  the claims  are  to  be  processed,  approved  and  settled  by  the  concerned  insurance companies within three weeks from receipt of yield data.

## ANNEXURE

## CLAIMS PAID UNDER NATIONAL AGRICULTURAL INSURANCE SCHEME DURING LAST YEAR

Rs. In lakh

| S.No.       | STATE            |   Kharif 2015 |   Rabi 2015-16 |
|-------------|------------------|---------------|----------------|
| 1           | ANDHRA PRADESH   |             0 |           0    |
| 2           | ASSAM            |             0 |           0    |
| 3           | BIHAR            |             0 |           0    |
| 4           | CHHATTISGARH     |         67762 |           0    |
| 5           | GOA              |             0 |           0    |
| 6           | GUJARAT          |        179533 |          18    |
| 7           | HARYANA          |             0 |           0    |
| 8           | HIMACHAL PRADESH |           162 |           0    |
| 9           | JHARKHAND        |             0 |           0    |
| 10          | KARNATAKA        |         69280 |           0    |
| 11          | KERALA           |             0 |           0    |
| 12          | MADHYA PRADESH   |             6 |           0    |
| 13          | MAHARASHTRA      |        420505 |           0    |
| 14          | MANIPUR          |           270 |           0    |
| 15          | MEGHALAYA        |             0 |           0    |
| 16          | MIZORAM          |             0 |           0    |
| 17          | ODISHA           |             0 |           0    |
| 18          | RAJASTHAN        |             0 |           0    |
| 19          | SIKKIM           |             0 |           0    |
| 20          | TAMILNADU        |           784 |           0    |
| 21          | TELANGANA        |             0 |           0    |
| 22          | TRIPURA          |             0 |           0    |
| 23          | UTTAR PRADESH    |             0 |           0    |
| 24          | UTTARAKHAND      |             0 |           0    |
| 25          | WEST BENGAL      |             0 |           0    |
| 26          | A & N ISLANDS    |             0 |           0    |
| 27          | PUDUCHERRY       |             0 |           0    |
| 28          | JAMMU & KASHMIR  |             0 |           0    |
| GRAND TOTAL | GRAND TOTAL      |        738303 |          18.16 |

NAIS  was  implemented  by  Agriculture  Insurance  Company  of  India Limited only.

Rs.466100  Lakh  and  Rs.177634  Lakhs  have  been  released  for payment to farmers  of Madhya Pradesh  & Odisha for claims relating to  Kharif 2015 season.

| SCHEME   | SCHEME           |                           |                    |                  |               |                    |              |                     |              |                   |             |                     |
|----------|------------------|---------------------------|--------------------|------------------|---------------|--------------------|--------------|---------------------|--------------|-------------------|-------------|---------------------|
|          |                  | Kharif 2015               | Kharif 2015        | Kharif 2015      | Kharif 2015   | Kharif 2015        | Kharif 2015  | Kharif 2015         | Kharif 2015  | Kharif 2015       | Kharif 2015 | Kharif 2015         |
| Sl. No.  | State /UT        | Agriculture Insurance Co. | ICICI- Lombard GIC | IFFCO- Tokio GIC | HDFC ERGO GIC | FUTURE Generali IC | Reliance GIC | MS CholaMandlam GIC | Tata AIG GIC | Bajaj Allianz GIC | SBI GIC     | Universal Sompo GIC |
| 1        | Andhra Pradesh   | 6176.24                   | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 2        | Andaman &Nicobar |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 3        | Bihar            |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 4        | Goa              | 0.00                      | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 5        | Jharkhand        |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 6        | Karnataka        |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 7        | Kerala           | 37.55                     | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 8        | Rajasthan        |                           | 61163              | 0                | 168.81        | 0.00               | 0.00         | 876.69              | 0            | 0                 | 0           | 1526                |
| 9        | Tamil Nadu       |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 10       | Telengana        |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 11       | Uttar Pradesh    | 2347.27                   | 8165               | 4418             | 13803.78      | 0.00               | 4828.73      | 0.00                | 0            | 498               | 461         | 4504                |
| 12       | Uttarakhand      | 48.79                     | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 4                   |
| 13       | West Bengal      |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
|          | TOTAL            | 8609.84                   | 69328              | 4418             | 13973         | 0.00               | 4829         | 877                 | 0            | 498               | 461         | 6035                |
|          | Rabi 2015-16     |                           |                    |                  |               |                    |              |                     |              |                   |             |                     |
| 1        | Andhra Pradesh   |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 2        | Andaman &Nicobar |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 3        | Assam            |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 4        | Bihar            |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 5        | Goa              | 0.00                      | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 6        | Jharkhand        |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 7        | Karnataka        | 14.82                     | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 8        | Kerala           |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 9        | Rajasthan        |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 10       | Tamil Nadu       |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 11       | Telengana        |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 12       | Uttar Pradesh    | 6261.71                   | 2408               | 6232             | 0.00          | 272.62             | 5707.88      | 0.00                | 85           | 85                | 1691        | 2582                |
| 13       | Uttarakhand      | 154.09                    | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
| 14       | West Bengal      |                           | 0                  | 0                | 0.00          | 0.00               | 0.00         | 0.00                | 0            | 0                 | 0           | 0                   |
|          | TOTAL            | 6430.62                   | 2408               | 6232             | 0.00          | 272.62             | 5707.88      | 0.00                | 85           | 85                | 1691        | 2582                |

| Scheme      | Scheme           | WEATHER BASED CROP INSURANCE SCHEME (WBCIS)   | WEATHER BASED CROP INSURANCE SCHEME (WBCIS)   | WEATHER BASED CROP INSURANCE SCHEME (WBCIS)   | WEATHER BASED CROP INSURANCE SCHEME (WBCIS)   | WEATHER BASED CROP INSURANCE SCHEME (WBCIS)   | WEATHER BASED CROP INSURANCE SCHEME (WBCIS)   | WEATHER BASED CROP INSURANCE SCHEME (WBCIS)   | WEATHER BASED CROP INSURANCE SCHEME (WBCIS)   | WEATHER BASED CROP INSURANCE SCHEME (WBCIS)   | WEATHER BASED CROP INSURANCE SCHEME (WBCIS)   | WEATHER BASED CROP INSURANCE SCHEME (WBCIS)   |
|-------------|------------------|-----------------------------------------------|-----------------------------------------------|-----------------------------------------------|-----------------------------------------------|-----------------------------------------------|-----------------------------------------------|-----------------------------------------------|-----------------------------------------------|-----------------------------------------------|-----------------------------------------------|-----------------------------------------------|
| Company     | Company          | CLAIMS PAID                                   | CLAIMS PAID                                   | CLAIMS PAID                                   | CLAIMS PAID                                   | CLAIMS PAID                                   | CLAIMS PAID                                   | CLAIMS PAID                                   | CLAIMS PAID                                   | CLAIMS PAID                                   | CLAIMS PAID                                   | CLAIMS PAID                                   |
| Kharif 2015 | Kharif 2015      |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               | Rs. in Lakh                                   |
| Sl. No.     | State / UT       | Agriculture Insurance Co.                     | ICICI- Lombard GIC                            | IFFCO- Tokio GIC                              | HDFC ERGO GIC                                 | MS CholaMandlam GIC                           | Tata AIG GIC                                  | FUTURE Generali IC                            | Reliance GIC                                  | Bajaj Allianz GIC                             | SBI GIC                                       | Universal Sompo GIC                           |
| 1           | Andhra Pradesh   | 13762.50                                      |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          | 0.00                                          |                                               |
| 2           | Assam            |                                               | 0.00                                          |                                               | 0.00                                          | 0.00                                          |                                               | 0.00                                          | 0.00                                          | 0.00                                          | 0.00                                          |                                               |
| 3           | Himachal Pradesh |                                               | 25.50                                         |                                               | 116.27                                        | 0.00                                          | 2.33                                          |                                               | 62.27                                         | 2.59                                          | 0.00                                          |                                               |
| 4           | Kerala           | 673.26                                        |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          | 0.00                                          |                                               |
| 5           | Madhya Pradesh   |                                               | 20.33                                         |                                               | 677.13                                        | 1910.55                                       | 25.79                                         |                                               | 1.34                                          | 0.00                                          | 0.00                                          |                                               |
| 6           | Maharashtra      | 23951.51                                      |                                               | 81.62                                         | 822.70                                        | 32.64                                         | 247.66                                        |                                               | 373.95                                        | 2197.04                                       | 0.00                                          |                                               |
| 7           | Rajasthan        | 6735.41                                       |                                               |                                               | 3350.35                                       | 4596.34                                       |                                               |                                               |                                               | 33653.01                                      | 8598.70                                       |                                               |
| 8           | Telengana        | 5798.88                                       |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          | 0.00                                          |                                               |
| 9           | Uttar Pradesh    |                                               | 6785.13                                       |                                               | 743.93                                        | 3690.00                                       | 3456.25                                       | 3432.16                                       | 1137.84                                       | 631.50                                        | 0.00                                          | 1470.40                                       |
| 10          | Uttarakhand      | 267.72                                        |                                               |                                               |                                               | 176.75                                        |                                               |                                               |                                               | 0.00                                          | 0.00                                          |                                               |
| 11          | West Bengal      | 8.57                                          |                                               | 0.20                                          | 0.00                                          |                                               |                                               |                                               |                                               | 0.00                                          | 0.00                                          |                                               |
|             | TOTAL            | 51197.85                                      | 6830.96                                       | 81.82                                         | 5710.39                                       | 10406.27                                      | 3732.03                                       | 3432.16                                       | 1575.40                                       | 36484.14                                      | 8598.70                                       | 1470.40                                       |
|             | Rabi 2015-16     |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |
| 1           | Andhra Pradesh   |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          |                                               |
| 2           | Assam            |                                               |                                               |                                               |                                               | 0.00                                          |                                               | 0.00                                          | 0.00                                          | -                                             | 0.00                                          |                                               |
| 3           | Bihar            |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          |                                               |
| 4           | Chhatisgarh      |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          |                                               |
| 5           | Haryana          |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          |                                               |
| 6           | Himachal Pradesh |                                               | 0.00                                          |                                               |                                               | 0.00                                          |                                               |                                               | 0.00                                          |                                               | 0.00                                          |                                               |
| 7           | Jammu& Kashmir   |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          |                                               |
| 8           | Jharkhand        |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          |                                               |
| 9           | Karnataka        |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          |                                               |
| 10          | Kerala           |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          |                                               |
| 11          | Madhya Pradesh   |                                               | 1220.28                                       |                                               | 1994.29                                       | 825.11                                        | 17.34                                         |                                               | 0.14                                          |                                               | 0.00                                          |                                               |
| 12          | Maharashtra      | 13807.16                                      |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          |                                               |
| 13          | Rajasthan        | 6288.63                                       |                                               |                                               | 0.00                                          | 879.99                                        |                                               |                                               |                                               | 0.00                                          | 0.00                                          |                                               |
| 14          | Telengana        |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          |                                               |
| 15          | Uttar Pradesh    |                                               | 2103.42                                       |                                               | 0.00                                          | 3828.50                                       | 3520.86                                       | 4493.92                                       | 5.91                                          | 1277.90                                       | 0.00                                          | 617.62                                        |
| 16          | Uttarakhand      | 444.57                                        |                                               |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          |                                               |
| 17          | West Bengal      |                                               |                                               |                                               |                                               |                                               |                                               |                                               | 0.00                                          |                                               | 0.00                                          |                                               |
|             | TOTAL            | 20540.36                                      | 3323.69                                       | 0.00                                          | 1994.29                                       | 5533.61                                       | 3538.20                                       | 4493.92                                       | 6.06                                          | 1277.90                                       | 0.00                                          | 617.62                                        |