Lok Sabha Question No. 2185 (UNSTARRED), answered on 2022-12-20
Subject: Crop Insurance Claims
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Rameshbhai Lavjibhai Dhaduk

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

## LOK SABHA UNSTARRED QUESTION NO. 2185

TO BE ANSWERED ON THE 20 TH  DECEMBER, 2022

## CROP INSURANCE CLAIMS

2185. SHRI RAMESHBHAI LAVJIBHAI DHADUK:

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

(a) whether the crop insurance claims are counted on the basis of harvesting trials and if so, the details thereof;

(b)  whether  the  Government  is  aware  of  the  persisting  problem  in  getting  timely  and correct figures of crop insurance claims of farmers in order to get prompt payment of the claims and if so, the details thereof;

(c)  whether  the  Government is planning  to  use  drone  system,  satellite  based  imaging and geospatial technology to reduce the delay in settlement for crop loss; and

(d) if so, the details and salient features thereof?

## ANSWER

## MINISTER OF AGRICULTURE AND FARMERS WELFARE

कृ िष एवं कसान कयाण मंी

(SHRI NARENDRA SINGH TOMAR)

(a) to (d):   The Pradhan Mantri Fasal Bima Yojana (PMFBY) is mainly implemented on 'Area Approach' basis.   Admissible claims are worked out and paid directly to the insured farmer's  account  by  the  insurance  companies  on  the  yield  data,  based  on  requisite number of Crop Cutting Experiments (CCEs), per unit area, furnished to the concerned insurance company by the concerned State Government and claim calculation formula envisaged  in  the  Operational  Guidelines  of  the  scheme  subject  to  receipt  of  State Government's  requisite  share  in  premium  subsidy.      However,  losses  due  to  localized risks of hailstorm, landslide, inundation, cloud burst & natural fire and post-harvest losses due  to  cyclone,  cyclonic/unseasonal  rains  &  hailstorms  are  calculated  on  individual insured  farm  basis.      These  claims  are  assessed  by  a  joint  committee  comprising representatives of State Government and concerned insurance company.

The CCEs are being conducted in a very short harvesting window and are labour intensive in most of the States and there is sometimes delay in submission of yield data by some States/UTs to insurance companies for few notified insurance unit areas which results  in  delay  in  settlement  of  admissible  claims  of  farmers.    Keeping  this  in  view Operational  Guidelines  (OGs)  for  PMFBY  envisage  real  time  transfer  of  data  through CCE  Agri  App  with  time  and  date  stamp  and  use  of  technology  to  ensure  timely settlement of farmers claims.  Further, different pilot studies with different approaches like use of Remote Sensing Technology (RST) including satellite data, drones based images etc.,  especially  for  CCE  planning,  direct  yield  estimation  at  Gram  Panchayat  level,  risk mapping of districts and for dispute/area discrepancy resolution etc. have been initiated through Mahalanobis National Crop Forecasting Centre (MNCFC) to leverage technology for  implementation  of  PMFBY.  Based  on  the  results  of  these  pilots,  High  Power Committee  constituted  in  the  matter  has  recommended  for  implementation  of  certain approaches for wheat and paddy crops.

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