Lok Sabha Question No. 1403 (UNSTARRED), answered on 2020-02-11
Subject: Premium under New Crop Insurance Scheme
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Ashok Mahadeorao Nete

O.I.H

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

## LOK  SABHA UNSTARRED QUESTION NO.1403

TO BE ANSWERED ON THE 11 TH  FEBRUARY, 2020

## PREMIUM UNDER NEW CROP INSURANCE SCHEME

1403. SHRI ASHOK MAHADEORAO NETE:

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

- (a) the  details  of  premium  amount  paid  to  insurance  companies  by  farmers,  Central Government  and  State  Governments  after  the  implementation  of  new  Crop  Insurance  Policy and the amount of compensation paid to the farmers along with the number of farmers to whom compensation was paid, State-wise;
- (b) the extra premium being paid by the farmers under new Crop Insurance Policy and the details thereof; and
- (c) the  names  of  States  with  higher  risk  factor  and  the  increase  made  in  the  premium amount at these places, the details thereof?

## ANSWER

MINISTER OF AGRICULTURE AND FARMERS WELFARE

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

(a) & (b): The State-wise  and  year-wise  details  of premium  paid  by  Central  Government, State Government & farmers to insurance companies, Claims reported and farmers benefitted under the Pradhan Mantri Fasal Bima Yojana (PMFBY) and Restructured Weather Based Crop Insurance Scheme (RWBCIS) since 2016 till Rabi 2018-19 are annexed.

Actuarial/bidded premium is charged by the insurance companies under these schemes. However,  farmers have to pay a fixed premium of maximum of 2% of sum insured for Kharif season and 1.5% for Rabi seasons for food and oilseed crops and 5% for commercial/Horticultural  crops.    The  remaining  part  of  actuarial/bidded  premium  is  shared equally by the Central and State Governments.

- (c): Some States like Haryana, Uttarakhand, Himachal Pradesh, Uttar Pradesh, Jammu & Kashmir, Telangana etc. where yield variability is relatively less and low claims have been paid in the past, actuarial premium rates are comparatively very low, whereas in States like Gujarat, Karnataka, Tamil Nadu, Maharashtra etc. where yield variability is more and higher claims have been paid in the past, the actuarial premium rates are relatively high.  The State-wise average premium rate for last three years is annexed .

ANNEXURE

## State-wise details of premium, reported claims, number of farmers benefitted and averate premium rate of the State since inception of the PMFBY/RWBCIS till 2018-19

| FY 2016-17 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2016-17 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2016-17 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2016-17 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2016-17 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2016-17 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2016-17 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2016-17 - PMFBY & RWBCIS Combined - State Wise Business Statistics   |
|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|
| State/UT Name                                                           | Farmers Share in Premium                                                | GOI Share in Premium                                                    | State Share in Premium                                                  | Gross Premium                                                           | Reported Claims                                                         | No. of Farmers against paid Claims                                      | Average Premium Rate                                                    |
|                                                                         | (Rs. in Crore)                                                          | (Rs. in Crore)                                                          | (Rs. in Crore)                                                          | (Rs. in Crore)                                                          | (Rs. in Crore)                                                          | (number in Lakhs)                                                       |                                                                         |
| A & N Islands                                                           | 0.002                                                                   | 0.005                                                                   | 0.009                                                                   | 0.016                                                                   | 0.146                                                                   | 0.003                                                                   | 3.46%                                                                   |
| Andhra Pradesh                                                          | 199.390                                                                 | 323.029                                                                 | 323.029                                                                 | 845.448                                                                 | 944.434                                                                 | 9.029                                                                   | 9.78%                                                                   |
| Assam                                                                   | 4.972                                                                   | 1.837                                                                   | 1.837                                                                   | 8.647                                                                   | 5.355                                                                   | 0.236                                                                   | 3.67%                                                                   |
| Bihar                                                                   | 204.620                                                                 | 605.813                                                                 | 605.813                                                                 | 1,416.247                                                               | 347.892                                                                 | 2.174                                                                   | 11.99%                                                                  |
| Chhattisgarh                                                            | 136.494                                                                 | 94.637                                                                  | 94.637                                                                  | 325.769                                                                 | 160.070                                                                 | 1.382                                                                   | 4.50%                                                                   |
| Goa                                                                     | 0.068                                                                   | 0.003                                                                   | 0.003                                                                   | 0.074                                                                   | 0.027                                                                   | 0.001                                                                   | 1.28%                                                                   |
| Gujarat                                                                 | 243.256                                                                 | 947.617                                                                 | 1,083.811                                                               | 2,274.684                                                               | 1,267.196                                                               | 6.800                                                                   | 18.93%                                                                  |
| Haryana                                                                 | 196.526                                                                 | 65.787                                                                  | 102.076                                                                 | 364.388                                                                 | 296.168                                                                 | 2.247                                                                   | 3.09%                                                                   |
| Himachal Pradesh                                                        | 31.111                                                                  | 20.282                                                                  | 20.282                                                                  | 71.676                                                                  | 45.184                                                                  | 1.122                                                                   | 7.71%                                                                   |
| Jammu & Kashmir                                                         | -                                                                       | -                                                                       | -                                                                       | -                                                                       | -                                                                       | -                                                                       | NA                                                                      |
| Jharkhand                                                               | 39.630                                                                  | 116.088                                                                 | 116.088                                                                 | 271.806                                                                 | 31.171                                                                  | 0.598                                                                   | 13.58%                                                                  |
| Karnataka                                                               | 238.449                                                                 | 558.013                                                                 | 558.013                                                                 | 1,354.476                                                               | 2,053.293                                                               | 18.382                                                                  | 13.87%                                                                  |
| Kerala                                                                  | 7.219                                                                   | 12.967                                                                  | 12.967                                                                  | 33.153                                                                  | 44.554                                                                  | 0.552                                                                   | 9.97%                                                                   |
| Madhya Pradesh                                                          | 719.975                                                                 | 1,542.208                                                               | 1,542.208                                                               | 3,804.392                                                               | 2,039.396                                                               | 13.482                                                                  | 10.31%                                                                  |
| Maharashtra                                                             | 682.594                                                                 | 1,956.927                                                               | 1,956.927                                                               | 4,596.449                                                               | 2,316.819                                                               | 29.052                                                                  | 19.14%                                                                  |
| Manipur                                                                 | 0.739                                                                   | 1.427                                                                   | 1.427                                                                   | 3.593                                                                   | 1.959                                                                   | 0.084                                                                   | 9.73%                                                                   |
| Meghalaya                                                               | 0.020                                                                   | 0.014                                                                   | 0.014                                                                   | 0.047                                                                   | 0.026                                                                   | 0.000                                                                   | 10.08%                                                                  |
| Odisha                                                                  | 142.625                                                                 | 198.211                                                                 | 198.211                                                                 | 539.047                                                                 | 432.157                                                                 | 1.688                                                                   | 7.42%                                                                   |
| Puducherry                                                              | 0.225                                                                   | 1.202                                                                   | 1.453                                                                   | 2.880                                                                   | 7.572                                                                   | 0.043                                                                   | 8.47%                                                                   |
| Rajasthan                                                               | 365.927                                                                 | 1,088.949                                                               | 1,088.949                                                               | 2,543.826                                                               | 1,946.855                                                               | 29.446                                                                  | 14.33%                                                                  |
| Sikkim                                                                  | 0.007                                                                   | 0.001                                                                   | 0.001                                                                   | 0.010                                                                   | 0.104                                                                   | 0.003                                                                   | 2.22%                                                                   |
| Tamil Nadu                                                              | 109.750                                                                 | 520.186                                                                 | 520.186                                                                 | 1,150.122                                                               | 3,630.285                                                               | 12.324                                                                  | 17.60%                                                                  |
| Telangana                                                               | 113.500                                                                 | 89.180                                                                  | 89.180                                                                  | 291.859                                                                 | 178.756                                                                 | 2.251                                                                   | 5.63%                                                                   |
| Tripura                                                                 | 0.293                                                                   | 0.049                                                                   | 0.049                                                                   | 0.391                                                                   | 0.705                                                                   | 0.037                                                                   | 2.22%                                                                   |
| Uttar Pradesh                                                           | 529.508                                                                 | 339.105                                                                 | 339.105                                                                 | 1,207.719                                                               | 575.042                                                                 | 11.967                                                                  | 4.15%                                                                   |
| Uttarakhand                                                             | 19.420                                                                  | 11.013                                                                  | 11.013                                                                  | 41.445                                                                  | 27.471                                                                  | 0.618                                                                   | 4.50%                                                                   |
| West Bengal                                                             | 230.100                                                                 | 240.661                                                                 | 255.998                                                                 | 726.759                                                                 | 421.710                                                                 | 5.495                                                                   | 6.02%                                                                   |
| GRAND TOTAL                                                             | 4,216.422                                                               | 8,735.212                                                               | 8,923.289                                                               | 21,874.924                                                              | 16,774.348                                                              | 149.018                                                                 | 10.69%                                                                  |

| FY 2017-18 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2017-18 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2017-18 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2017-18 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2017-18 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2017-18 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2017-18 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2017-18 - PMFBY & RWBCIS Combined - State Wise Business Statistics   |
|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|
| State/UT Name                                                           | Farmers Share in Premium                                                | GOI Share in Premium                                                    | State Share in Premium                                                  | Gross Premium                                                           | Reported Claims                                                         | No. of Farmers against paid Claims                                      | Average Premium Rate                                                    |
|                                                                         | (Rs. in Crore)                                                          | (Rs. in Crore)                                                          | (Rs. in Crore)                                                          | (Rs. in Crore)                                                          | (Rs. in Crore)                                                          | (number in Lakhs)                                                       |                                                                         |
| A & N Islands                                                           | 0.007                                                                   | 0.011                                                                   | 0.011                                                                   | 0.030                                                                   | -                                                                       | -                                                                       | 6.27%                                                                   |
| Andhra Pradesh                                                          | 258.683                                                                 | 521.230                                                                 | 521.230                                                                 | 1,301.143                                                               | 730.754                                                                 | 6.970                                                                   | 11.66%                                                                  |
| Assam                                                                   | 5.134                                                                   | 3.373                                                                   | 3.373                                                                   | 11.880                                                                  | 1.110                                                                   | 0.018                                                                   | 4.63%                                                                   |
| Bihar                                                                   | 177.836                                                                 | 424.745                                                                 | 424.745                                                                 | 1,027.325                                                               | 402.104                                                                 | 2.176                                                                   | 10.33%                                                                  |
| Chhattisgarh                                                            | 132.884                                                                 | 114.491                                                                 | 114.491                                                                 | 361.866                                                                 | 1,388.010                                                               | 6.591                                                                   | 5.25%                                                                   |
| Goa                                                                     | 0.048                                                                   | 0.001                                                                   | 0.001                                                                   | 0.051                                                                   | 0.005                                                                   | 0.000                                                                   | 1.13%                                                                   |
| Gujarat                                                                 | 398.385                                                                 | 1,431.532                                                               | 1,431.532                                                               | 3,261.449                                                               | 1,073.747                                                               | 4.489                                                                   | 26.23%                                                                  |
| Haryana                                                                 | 208.668                                                                 | 96.568                                                                  | 147.937                                                                 | 453.172                                                                 | 899.371                                                                 | 3.274                                                                   | 3.70%                                                                   |
| Himachal Pradesh                                                        | 30.505                                                                  | 23.501                                                                  | 23.501                                                                  | 77.506                                                                  | 64.708                                                                  | 1.470                                                                   | 10.07%                                                                  |
| Jammu & Kashmir                                                         | 8.997                                                                   | 15.988                                                                  | 15.988                                                                  | 40.972                                                                  | 9.810                                                                   | 0.260                                                                   | 8.44%                                                                   |
| Jharkhand                                                               | 28.262                                                                  | 91.832                                                                  | 91.832                                                                  | 211.926                                                                 | 46.935                                                                  | 1.392                                                                   | 14.17%                                                                  |
| Karnataka                                                               | 235.055                                                                 | 799.507                                                                 | 799.507                                                                 | 1,834.068                                                               | 859.168                                                                 | 6.471                                                                   | 20.97%                                                                  |
| Kerala                                                                  | 6.333                                                                   | 9.770                                                                   | 9.770                                                                   | 25.873                                                                  | 10.936                                                                  | 0.377                                                                   | 8.59%                                                                   |
| Madhya Pradesh                                                          | 820.339                                                                 | 2,015.319                                                               | 2,005.985                                                               | 4,841.643                                                               | 5,894.019                                                               | 23.997                                                                  | 11.16%                                                                  |
| Maharashtra                                                             | 508.616                                                                 | 1,874.029                                                               | 1,874.029                                                               | 4,256.674                                                               | 3,286.168                                                               | 53.703                                                                  | 22.45%                                                                  |
| Manipur                                                                 | 0.747                                                                   | 0.597                                                                   | 0.597                                                                   | 1.941                                                                   | 0.670                                                                   | 0.036                                                                   | 3.90%                                                                   |
| Meghalaya                                                               | 1.009                                                                   | 0.206                                                                   | 0.206                                                                   | 1.421                                                                   | 0.017                                                                   | 0.000                                                                   | 5.31%                                                                   |
| Odisha                                                                  | 145.063                                                                 | 337.630                                                                 | 337.630                                                                 | 820.324                                                                 | 1,779.045                                                               | 7.550                                                                   | 11.22%                                                                  |
| Puducherry                                                              | -                                                                       | -                                                                       | -                                                                       | -                                                                       | -                                                                       | -                                                                       | NA                                                                      |
| Rajasthan                                                               | 501.757                                                                 | 1,100.424                                                               | 1,100.424                                                               | 2,702.605                                                               | 2,193.411                                                               | 29.834                                                                  | 11.93%                                                                  |
| Sikkim                                                                  | 0.064                                                                   | 0.001                                                                   | 0.001                                                                   | 0.065                                                                   | 0.038                                                                   | 0.001                                                                   | 2.21%                                                                   |
| Tamil Nadu                                                              | 124.165                                                                 | 608.990                                                                 | 608.990                                                                 | 1,342.144                                                               | 1,978.869                                                               | 9.583                                                                   | 19.08%                                                                  |
| Telangana                                                               | 189.298                                                                 | 244.739                                                                 | 244.739                                                                 | 678.776                                                                 | 630.962                                                                 | 4.366                                                                   | 8.65%                                                                   |
| Tripura                                                                 | 0.593                                                                   | 0.074                                                                   | 0.074                                                                   | 0.741                                                                   | 0.999                                                                   | 0.027                                                                   | 3.51%                                                                   |
| Uttar Pradesh                                                           | 383.527                                                                 | 501.100                                                                 | 501.100                                                                 | 1,385.727                                                               | 380.478                                                                 | 6.055                                                                   | 6.79%                                                                   |
| Uttarakhand                                                             | 18.819                                                                  | 24.513                                                                  | 24.513                                                                  | 67.844                                                                  | 39.435                                                                  | 0.685                                                                   | 7.91%                                                                   |
| West Bengal                                                             | 210.803                                                                 | 202.006                                                                 | 229.636                                                                 | 642.444                                                                 | 254.821                                                                 | 5.612                                                                   | 5.76%                                                                   |
| GRAND TOTAL                                                             | 4,395.596                                                               | 10,442.174                                                              | 10,511.840                                                              | 25,349.610                                                              | 21,925.589                                                              | 174.936                                                                 | 12.40%                                                                  |

| FY 2018-19 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2018-19 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2018-19 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2018-19 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2018-19 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2018-19 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2018-19 - PMFBY & RWBCIS Combined - State Wise Business Statistics   | FY 2018-19 - PMFBY & RWBCIS Combined - State Wise Business Statistics   |
|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|
| State/UT Name                                                           | Farmers Share in Premium                                                | GOI Share in Premium                                                    | State Share in Premium                                                  | Gross Premium                                                           | Reported Claims                                                         | No. of Farmers against paid Claims                                      | Average Premium Rate                                                    |
|                                                                         | (Rs. in Crore)                                                          | (Rs. in Crore)                                                          | (Rs. in Crore)                                                          | (Rs. in Crore)                                                          | (Rs. in Crore)                                                          | (number in Lakhs)                                                       |                                                                         |
| A & N Islands                                                           | 0.051                                                                   | 0.096                                                                   | 0.096                                                                   | 0.243                                                                   | -                                                                       | -                                                                       | 9.03%                                                                   |
| Andhra Pradesh                                                          | 302.735                                                                 | 524.922                                                                 | 524.922                                                                 | 1,352.579                                                               | 1,270.072                                                               | 7.752                                                                   | 10.15%                                                                  |
| Assam                                                                   | 5.829                                                                   | 3.403                                                                   | 3.403                                                                   | 12.635                                                                  | 0.093                                                                   | 0.002                                                                   | 4.10%                                                                   |
| Bihar                                                                   | -                                                                       | -                                                                       | -                                                                       | -                                                                       | -                                                                       | -                                                                       | NA                                                                      |
| Chhattisgarh                                                            | 161.101                                                                 | 364.030                                                                 | 364.030                                                                 | 889.161                                                                 | 1,067.473                                                               | 6.585                                                                   | 11.30%                                                                  |
| Goa                                                                     | 0.033                                                                   | 0.000                                                                   | 0.000                                                                   | 0.033                                                                   | 0.092                                                                   | 0.000                                                                   | 1.02%                                                                   |
| Gujarat                                                                 | 402.556                                                                 | 1,369.413                                                               | 1,369.413                                                               | 3,141.382                                                               | 2,600.870                                                               | 13.445                                                                  | 22.97%                                                                  |
| Haryana                                                                 | 253.353                                                                 | 262.244                                                                 | 325.002                                                                 | 840.599                                                                 | 926.161                                                                 | 4.100                                                                   | 6.12%                                                                   |
| Himachal Pradesh                                                        | 29.724                                                                  | 24.852                                                                  | 24.852                                                                  | 79.428                                                                  | 54.190                                                                  | 0.521                                                                   | 10.95%                                                                  |
| Jammu & Kashmir                                                         | 16.886                                                                  | 29.899                                                                  | 29.899                                                                  | 76.683                                                                  | 24.579                                                                  | 0.030                                                                   | 7.70%                                                                   |
| Jharkhand                                                               | 49.401                                                                  | 164.337                                                                 | 182.579                                                                 | 396.317                                                                 | 425.994                                                                 | 0.521                                                                   | 11.36%                                                                  |
| Karnataka                                                               | 232.592                                                                 | 795.153                                                                 | 795.153                                                                 | 1,822.898                                                               | 2,859.816                                                               | 12.467                                                                  | 18.93%                                                                  |
| Kerala                                                                  | 6.179                                                                   | 15.061                                                                  | 15.061                                                                  | 36.300                                                                  | 23.325                                                                  | 0.050                                                                   | 11.44%                                                                  |
| Madhya Pradesh                                                          | 944.972                                                                 | 2,321.559                                                               | 2,321.559                                                               | 5,588.089                                                               | 812.737                                                                 | 0.989                                                                   | 10.16%                                                                  |
| Maharashtra                                                             | 786.790                                                                 | 2,659.379                                                               | 2,659.379                                                               | 6,105.547                                                               | 5,723.350                                                               | 78.227                                                                  | 20.23%                                                                  |
| Manipur                                                                 | 0.104                                                                   | 0.052                                                                   | 0.052                                                                   | 0.208                                                                   | 0.001                                                                   | 0.000                                                                   | 3.99%                                                                   |
| Meghalaya                                                               | 0.090                                                                   | 0.005                                                                   | 0.005                                                                   | 0.099                                                                   | 0.092                                                                   | -                                                                       | 2.82%                                                                   |
| Odisha                                                                  | 168.808                                                                 | 454.555                                                                 | 454.555                                                                 | 1,077.918                                                               | 1,045.161                                                               | 6.317                                                                   | 12.61%                                                                  |
| Puducherry                                                              | 0.901                                                                   | 1.107                                                                   | 1.107                                                                   | 3.115                                                                   | 0.452                                                                   | 0.005                                                                   | 5.45%                                                                   |
| Rajasthan                                                               | 592.972                                                                 | 1,430.132                                                               | 1,430.132                                                               | 3,453.237                                                               | 2,972.515                                                               | 14.546                                                                  | 12.23%                                                                  |
| Sikkim                                                                  | 0.024                                                                   | -                                                                       | -                                                                       | 0.024                                                                   | 0.002                                                                   | 0.000                                                                   | 2.42%                                                                   |
| Tamil Nadu                                                              | 121.656                                                                 | 650.343                                                                 | 650.343                                                                 | 1,422.343                                                               | 1,802.846                                                               | 9.854                                                                   | 20.07%                                                                  |
| Telangana                                                               | 151.175                                                                 | 185.663                                                                 | 185.663                                                                 | 522.500                                                                 | 479.281                                                                 | 0.020                                                                   | 8.62%                                                                   |
| Tripura                                                                 | 0.020                                                                   | 0.005                                                                   | 0.005                                                                   | 0.030                                                                   | -                                                                       | -                                                                       | 4.40%                                                                   |
| Uttar Pradesh                                                           | 410.543                                                                 | 545.633                                                                 | 545.633                                                                 | 1,501.809                                                               | 453.972                                                                 | 6.039                                                                   | 6.86%                                                                   |
| Uttarakhand                                                             | 20.996                                                                  | 27.059                                                                  | 27.059                                                                  | 75.114                                                                  | 72.373                                                                  | 0.847                                                                   | 8.71%                                                                   |
| West Bengal                                                             | 259.282                                                                 | 205.799                                                                 | 242.607                                                                 | 707.688                                                                 | 560.544                                                                 | 2.771                                                                   | 4.97%                                                                   |
| GRAND TOTAL                                                             | 4,918.773                                                               | 12,034.700                                                              | 12,152.507                                                              | 29,105.980                                                              | 23,175.992                                                              | 165.087                                                                 | 12.32%                                                                  |

* Kharif 2018 and Rabi 2018-19 claims are not yet fully reported.

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