Lok Sabha Question No. 3602 (UNSTARRED), answered on 2019-12-10
Subject: Crop Insurance Scheme for Crop Loss
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Sadashiv Kisan Lokhande

## LOK SABHA UNSTARRED QUESTION NO.3602

TO BE ANSWERED ON THE 10 TH  DECEMBER, 2019

## CROP INSURANCE SCHEME FOR CROP LOSS

3602.  SHRI SADASHIV KISAN LOKHANDE:

Will  the  Minister  of  AGRICULTURE AND FARMERS WELFARE कृ ष एवं कसान कयाण मंी be pleased to state:

- (a) Whether the benefit of the Crop Insurance Scheme is not accruing to the farmers whose crops have been devastated by Natural Disasters in Maharashtra;
- (b) The reaction of the Government thereto;

(c) The value of the crops damaged and the value of claims paid by each of the Insurance companies; and

(d) The number of complaints received by the Government for the insured crops damaged by natural disasters during the last three years in Maharashtra?

## ANSWER

## MINISTER OF AGRICULTURE AND FARMERS WELFARE

कृ ष एवं कसान कयाण मंी (SHRI NARENDRA SINGH TOMAR)

(a) to (c) :   Details of admissible claims amount, claims amount approved and claims amount paid  in  Maharashtra  under  Pradhan  Mantri  Fasal  Bima  Yojana  (PMFBY)  and  Restructured Weather Based Crop Insurance Scheme (RWBCIS) are given below:

|              |                         | (Rs. in crore)        | (Rs. in crore)     |
|--------------|-------------------------|-----------------------|--------------------|
| Season       | Admissible Claim Amount | Approved Claim Amount | Claims Amount paid |
| Kharif 2016  | 2080.12                 | 2080.12               | 2080.12            |
| Rabi 2016-17 | 236.31                  | 236.31                | 236.31             |
| Kharif 2017  | 2876.70                 | 2876.70               | 2876.24            |
| Rabi 2017-18 | 409.91                  | 409.91                | 409.91             |
| Kharif 2018  | 3941.95                 | 3928.19               | 3914.17            |
| Rabi 2018-19 | 1557.03                 | 1538.72               | 1506.07            |

As per provisions of the PMFBY claims for wide spread calamities like flood, drought etc. or  season  end  yield  based  claims  are  worked  out  and  settled  by  the  concerned  insurance company on area approach basis, on receipt of yield data arrived through requisite number of Crop Cutting Experiments (CCEs) at the end of the harvesting period, from the concerned State Government.

However, losses due to localized risks of hailstorm, landslide, inundation, cloud burst & natural fire and post-harvest losses are calculated on individual insured farm level, based on the report  of  the  joint  committee  comprising  representatives  of  State  Government  and  insurance company to survey the extent of loss.  Further, there  is also a provision to pay claims towards prevented sowing/failed germination and adhoc claims in case of mid season adversity.

In respect of recent adverse weather conditions in Kharif 2019 season in Maharashtra, process of joint surveys by State and insurance companies in respect of localized calamities, is on.    The  season-end  claims,  if  any,  would  be  worked  out  and  settled  by  the  concerned insurance companies based on the yield data furnished by the State Government.

Maharasthra State Government has reported that provisionally 4.17 lakh ha. of cropped area   was  affected  in  the  State  due  to  flood  during    the  recent  South-West  Monsoon,  2019. However, the data on crops damaged and number of farmers affected is not collected under PMFBY since the scheme is being implemented on area approach basis.

The claims amounting to Rs. 36.57 crore pertaining to prevented sowing in Osmanabad and  Latur  districts  of  Maharashtra  for  Kharif  2019  season  have  been  settled/  paid  by  the Agriculture Insurance Company of India Ltd.

(d):     During implementation of the scheme, some complaints about non-payment and delayed payment  of  claims;  under  payment  of  claims  on  account  of  incorrect/delayed  submission  of insurance proposals by banks; discrepancy in yield data, unrealistic assessment of crop loss due to large unit area of insurance; delay in providing Government share of funds etc., have been received in the past in the country including Maharashtra.   Most of the complaints were suitably addressed by the Insurer and the Ministry.

Further,  a  provision  of  Stratified  Grievance  Redressal  Mechanism  viz.  District  Level Grievance  Redressal  Committee  (DGRC),  State  Level  Grievance  Redressal  Committee (SGRC) has been made in the Revised Operational Guidelines of the Scheme to resolve such complaints.

However,  about  32  lakh  intimations  for  the  crop  damage  have  been  received  by  the State Government of Maharashtra for recent unseasonal rainfall in Kharif 2019 season.

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