Lok Sabha Question No. 3806 (UNSTARRED), answered on 2019-07-16
Subject: Crop Insurance under RWBCIS
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Ajay Nishad

O.I.H.

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

## LOK  SABHA UNSTARRED QUESTION NO.3806

TO BE ANSWERED ON THE  16 TH  JULY, 2019

## CROP INSURANCE UNDER RWBCIS

3806.  SHRI AJAY NISHAD:

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

- (a) the  rules  under  which  farmers  are  provided  insurance  under  Restructured  Weather Based Crop Insurance Scheme (RWBCIS);
- (b) the name of the crops and perennial crops covered under this scheme;
- (c) the  features  in  which  this  scheme  is  different  from  Pradhan    Mantri  Fasal  Bima Yojana;
- (d) the  details  of  the  farmers  benefited  under  Restructured  Weather  Based  Crop Insurance Scheme during the last three years, State/UT-wise; and
- (e) the  reasons  for  preparing  a  separate  Restructured  Weather  Based  Crop  Insurance Scheme?

## ANSWER

## MINISTER OF AGRICULTURE AND FARMERS WELFARE

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

- (a) to (e): With  a  view  to  provide  protection  against  likely  yield  loss  due  to  adverse weather parameters, especially to commercial/horticultural crops or crops for which past yield data  is  not  available,  weather  index  based  Restructured  Weather  Based  Crop  Insurance Scheme (RWBCIS)  has also been introduced by the Government from Kharif 2016 season in the country alongwith yield index based Pradhan Mantri Fasal Bima Yojana (PMFBY).

Similar to PMFBY,  RWBCIS  is  available to all States/Union Territories and optional/voluntary for the States and they have to select insurance company, notify the crops & areas and provide weather data of current season to settle the claims under the scheme. The basic difference between the PMFBY and RWBCIS is in its methodology for settlement of  claims.    Under  PMFBY  coverage  and  settlement  of  claims  is  made  on  the  yield  data based on requisite number of Crop Cutting Experiments (CCEs) submitted by the concerned

State Government. Hence, crops especially perennial/horticultural crops for which yield data based on authentic methodology is not available can not be covered under PMFBY.  These crops can now be covered under RWBVIS, which provides insurance protection/ admissible claims to the eligible farmers against adverse weather incidence, such as deficit or excess rainfall, high or low temperature (including heat wave, cold wave, frost), humidity etc. which are  deemed  to  adversely  impact  the  crop.    Claims  under  RWBCIS  are  worked  out  if observed trigger value falls below or above, the notified trigger value.  Claims per unit will be calculated using following formula depending upon index definition:

Claims per Unit = (Difference between Observed & Notified index value) X Notional Payout

Overall claims will be claims per unit  X  Number of Units

State-wise  details  of  crops  notified  under  RWBCIS  during  Kharif  2018  and  Rabi 2018-19 are at Annexure-I .

State-wise details of farmer applicants insured and farmer applicants benefited with claims under RWBCIS during last three years are at Annexure-II .

|                                                                                     |                                                                                     | Annexure-I                                                                                                                                                                                                                                                                                                                                                                                                               |
|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| States-wise details of crops notified by States/UTs under RWBCIS during Kharif 2018 | States-wise details of crops notified by States/UTs under RWBCIS during Kharif 2018 | States-wise details of crops notified by States/UTs under RWBCIS during Kharif 2018                                                                                                                                                                                                                                                                                                                                      |
| ANDHRA PRADESH                                                                      | WBCIS                                                                               | Cotton (Kapas) - RF,Groundnut (Pea Nut) - RF,Mosambi (sweet lime),Oil Palm,Red Chillies - RF,Tomato - RF                                                                                                                                                                                                                                                                                                                 |
| CHHATTISGARH                                                                        | WBCIS                                                                               | Banana,Brinjal,Chillies,Ginger,Guava,Papaya,Tomato                                                                                                                                                                                                                                                                                                                                                                       |
| HIMACHAL PRADESH                                                                    | WBCIS                                                                               | Cabbage,Cauliflower,Ginger,Peas (Field Peas/ Garden Peas /Matar), Potato,Tomato                                                                                                                                                                                                                                                                                                                                          |
| KERALA                                                                              | WBCIS                                                                               | Arecanut,Banana,Cardamom,Ginger,Nutmeg,Paddy - Autumn,Pepper,Pineapple,Sugarcane - Adsali,Turmeric                                                                                                                                                                                                                                                                                                                       |
| MADHYA PRADESH                                                                      | WBCIS                                                                               | Banana,Brinjal,Chillies,Onion,Orange,Papaya,Tomato                                                                                                                                                                                                                                                                                                                                                                       |
| MAHARASHTRA                                                                         | WBCIS                                                                               | Guava,Mosambi,Mosambi (sweet lime),Orange,Pomegranate,Sapota                                                                                                                                                                                                                                                                                                                                                             |
| MEGHALAYA                                                                           | PMFBY                                                                               | Ginger,Maize (Makka),Paddy - Aahu,Paddy - Sali,Potato                                                                                                                                                                                                                                                                                                                                                                    |
| RAJASTHAN                                                                           | WBCIS                                                                               | Castor (Rehri, Rendi, Arandi), Chillies, Guava, Kinnow, Onion, Orange, Pomegranate                                                                                                                                                                                                                                                                                                                                       |
| TELANGANA                                                                           | WBCIS                                                                               | Cotton (Kapas),Mosambi (sweet lime),Oil Palm,Red Chillies                                                                                                                                                                                                                                                                                                                                                                |
| UTTAR PRADESH                                                                       | WBCIS                                                                               | Banana,Chillies                                                                                                                                                                                                                                                                                                                                                                                                          |
| UTTARAKHAND                                                                         | WBCIS                                                                               | Chillies - Hills,French Bean - Hills,Ginger,Ginger - Hills,Potato - Hills,Tomato - Hills                                                                                                                                                                                                                                                                                                                                 |
| WEST BENGAL                                                                         | WBCIS                                                                               | Amarphophallus (Surankand/Elephant Foot Yam), Ash Gourd (Petha), Banana,Betel Vine, Bhindi (Okra/Ladysfinger), Bitter Gourd, Bottle Gourd, Brinjal, Cardamom, Cauliflower, Chillies, Cucumber, Ginger, Guava, Indian Squash (Tinda/Round Melon), Kundru, Marigold, Onion, Orange, Papaya, Pineapple,Pointed Gourd,Pumpkin, Ridge Gourd, Smooth Guard, Snake Gourd, Spine Gourd, Sponge Gourd, Tomato, Tuberose, Turmeric |

## State-wise detials of crops notified by States/UTs under PMFBY and RWBCIS during Rabi 2018-19

| State_Name       | Scheme   | Crop                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
|------------------|----------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ANDHRA PRADESH   | WBCIS    | Acid Lime,Banana,Cashew,Mango - 16 To 50 Years,Mango - 5 To 15 Years,Tomato,                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
| CHHATTISGARH     | WBCIS    | Brinjal,Cabbage,Cauliflower,Onion,Potato,Tomato,                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
| HIMACHAL PRADESH | WBCIS    | Apple - >5 Years,Capsicum,Citrus - >5 Years,Garlic,Mango - >5 Years,Peach - >5 Years,Plum - >5 Years,Potato,Tomato,                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |
| KERALA           | WBCIS    | Banana,Bitter Gourd,Cabbage,Carrot,Cashew,French Bean,Garlic,Mango,Paddy - II,Paddy - Summer,Potato,Snake Gourd, Sugarcane - Adsali,Yard Long Bean,                                                                                                                                                                                                                                                                                                                                                                                                                                                             |
| MADHYA PRADESH   | WBCIS    | Brinjal, Cabbage, Cauliflower, Coriander, Garlic, Grape,Mango, Onion, Peas (Field Peas/ Garden Peas/Matar), Pomegranate, Potato ,Potato - II, Tomato,                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
| MAHARASHTRA      | WBCIS    | Acid Lime,Banana - Tissue Culture, Cashew, Grape,Guava, Mango, Mosambi (sweet lime), Orange, Pomegranate,                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| RAJASTHAN        | WBCIS    | Aonla, Butter Pea (Vegetable), Datepalm, Garlic, Melon, Onion, Potato, Tomato, Watermelon,                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| TELANGANA        | WBCIS    | Mango - 16 To 50 Years,Mango - 5 To 15 Years,                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| UTTARAKHAND      | WBCIS    | Apple - 15 To 40 Years,Apple - 5 To 15 Years, Litchi - 11 To 30 Years, Litchi - 51 To 10 Years, Litchi - Hills 11 To 30 Years, Litchi - Hills 5 To 10 Years, Malta - 05 To 10 Years, Malta - 11 To 25 Years, Mango - 16 To 50 Years, Mango - 5 To 15 Years, Mango - Hills-16 To 50 Years, Mango - Hills-5 To 15 Years, Mosambi (sweet lime) - 11 To 25 Years, Mosambi (sweet lime) - 5 To 10 Years, Orange - 11 To 25 Years, Orange - 5 To 10 Years,Peach - 10 To 25 Years,Peach - 5 To 10 Years, Peas (Field Peas/ Garden Peas/Matar), Peas (Field Peas/ Garden Peas/Matar) - Vegetables Hills, Potato,Tomato, |
| WEST BENGAL      | WBCIS    | Ash Gourd (Petha), Banana,Banana - Plaintain, Betel Vine, Bhindi(Okra/Ladysfinger),Bitter Gourd, Bottle Gourd, Brinjal, Cabbage, Capsicum, Cauliflower, Chillies, Cucumber, Guava, Ivy Gourd, Litchi, Litchi - 11 To 30 Years,Litchi - 51 To 10 Years, Mango, Mango - >5 Years,Mango - 05 To 10 Years,Mango - 10 To 40 Years, Mango - 16 To 50 Years, Mango - 5 To 15 Years, Mango - More than 40 Years, Marigold,Onion, Papaya, Pointed Gourd, Pumpkin, Ribbed Gourd (Kali Tori), Ridge Gourd, Smooth Guard, Snake Gourd, Spine Gourd, Sponge Gourd, Tomato, Tuberose,                                         |

## Annexure-II

## State-wise details of farmer applications received and farmer applications against claims paid during last three years

|                  | 2016-17                      | 2016-17                                 | 2017-18                      | 2017-18                                 | Kharif 2018*                 | Kharif 2018*                             |
|------------------|------------------------------|-----------------------------------------|------------------------------|-----------------------------------------|------------------------------|------------------------------------------|
| State/UT Name    | Farmer Applications Received | Farmer Applications Against Paid Claims | Farmer Applications Received | Farmer Applications Against Paid Claims | Farmer Applications Received | Farmer Applicati ons Against Paid Claims |
| Andhra Pradesh   | 766,455                      | 762,410                                 | 779,561                      | 549,373                                 | 741,049                      | 381,559                                  |
| Assam            | 51,749                       | 23,353                                  | -                            | -                                       | -                            | -                                        |
| Chhattisgarh     | 6,690                        | 2,680                                   | 10,610                       | 8,712                                   | 7,178                        | -                                        |
| Himachal Pradesh | 119,707                      | 90,033                                  | 168,068                      | 89,635                                  | 12,149                       | 5,685                                    |
| Karnataka        | 132,550                      | 60,253                                  | 153,299                      | 153,227                                 | 172,975                      | 111                                      |
| Kerala           | 58,990                       | 51,235                                  | 40,454                       | 41,999                                  | 19,103                       | -                                        |
| Madhya Pradesh   | 516,054                      | 343,569                                 | 427,179                      | 339,429                                 | 128,087                      | -                                        |
| Maharashtra      | 212,558                      | 118,494                                 | 157,506                      | 127,381                                 | 116,156                      | 103,620                                  |
| Rajasthan        | 44,150                       | 42,728                                  | 26,278                       | 25,332                                  | 33,314                       | -                                        |
| Telangana        | 88,773                       | 83,578                                  | 193,284                      | 176,490                                 | 122,121                      | -                                        |
| Uttar Pradesh    | 12,500                       | 12,500                                  | 3,770                        | 3,769                                   | 4,895                        | 3,877                                    |
| Uttarakhand      | 53,410                       | 43,705                                  | 49,230                       | 45,861                                  | 41,683                       | 41,530                                   |
| West Bengal      | 1,713                        | 13                                      | 956                          | -                                       | 391,966                      | -                                        |
| GRAND TOTAL      | 2,065,299                    | 1,634,551                               | 2,010,195                    | 1,561,208                               | 1,790,676                    | 536,382                                  |

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