Lok Sabha Question No. 2749 (UNSTARRED), answered on 2022-08-02
Subject: Crop Insurance Claims
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Ajay Nishad

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

## LOK SABHA

## UNSTARRED QUESTION NO. 2749

TO BE ANSWERED ON THE 2 ND  AUGUST, 2022

## CROP INSURANCE CLAIMS

2749. SHRI AJAY NISHAD:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ षि एवं ककसान कल्याण मंत्री 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 षि एवं ककसान कल्याण मंत्री (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 based 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

O.I.H.

committee  comprising  representatives  of  State  Government  and  concerned  insurance company.

The CCEs are being conducted in a very short harvesting window and are labor 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.

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