Lok Sabha Question No. 2034 (UNSTARRED), answered on 2023-08-01
Subject: Insurance Premium Collection
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Feroze Varun Gandhi

- (a) :  No Sir.
- (b) :  State-wise details of claims paid to farmers during last three years under Pradhan Mantri Fasal Bima Yojana (PMFBY) are Annexed .
- (c) : Based on the experience gained, views of various stakeholders and with a view to ensure better transparency, accountability, timely payment of claims to the farmers and to make the scheme more farmer friendly,  Government  has  periodically  comprehensively revised the Operational Guidelines of the PMFBY to ensure that the eligible benefits under the scheme reach the farmers timely and transparently.    Details of steps taken by the Government ineralia for timely settlement of claims are given below .
- (i)    National  Crop  Insurance  Portal  (NCIP)  has  been  developed  for  ensuring  autoadministration, subsidy payment, co-ordination, transparency, dissemination of information and delivery of services including direct online enrollment of farmers, uploading/obtaining individual  insured  famer's  details  for  better  monitoring  and  to  ensure  transfer  of  claim amount electronically to the individual farmer's Bank Account.

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

## LOK SABHA UNSTARRED QUESTION NO. 2034

TO BE ANSWERED ON THE 1 ST  AUGUST, 2023

## INSURANCE PREMIUM COLLECTION

2034. SHRI FEROZE VARUN GANDHI:

Will the Minister of AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण मंũी be pleased to state:

- (a) whether there is any proposal by the Government to create a centralized pool of funds with the premium money collected by the Union and State Governments along with farmers in order to ensure faster claim settlement under the farmer crop insurance scheme and if so, the details thereof;
- (b) the details regarding claim settlement ratio during the last three years, State-wise; and
- (c) the other steps being taken by the Government to ensure better settlement of claims?

## ANSWER

MINISTER OF AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण मंũी (SHRI NARENDRA SINGH TOMAR)

(ii) For transparent calculation and settlement of claims by insurance companies, claims module namely, Digiclaim has been developed w.e.f. Kharif 2022 season wherein all the claim are worked out through National Crop Insurance Portal (NCIP) and  paid to farmers accounts using Public Finance Management System (PFMS).

(iii) Started in 2020, Integration of Land Record with NCIP is now complete for Madhya Pradesh, Chhattisgarh,  Andhra  Pradesh,  Maharashtra,  Rajasthan,  Karnataka,  Odisha  90% of the insured area is now being validated through e-land records of the states through land record integration.

(iv)  The  scheme  envisages  use  of  improved  technology  in  implementation  of  the scheme.  Accordingly, various steps like capturing of yield data/Crop Cutting Experiments (CCEs)  data  through  CCE-Agri  App  &  uploading  it  on  the  NCIP,  allowing  insurance companies to witness the conduct of CCEs, integration of State land records with NCIP etc. have already been taken to improve timely settlement of the claims to farmers have been taken.  Following technologies for Objective Crop Damage & Loss Assessment and transparency have recently been approved for implementation w.e.f. 2023-24 :

-  YES-TECH (Yield Estimation System Based on Technology) for gradual migration to Remote-Sensing based yield estimation to help assess yields as well as fair and accurate Crop Yield Estimation . This initiative has been launched for paddy & wheat crops from Kharif 2023 wherein 30% weightage to yield estimation will mandatorily be assigned to YES-TECH derived yield.
-  WINDS (Weather Information Network and Data System) for Network of Automatic Weather Stations (AWS) & Automatic Rain-Gauges (ARG) for collecting hyper-local weather data at GP & Block level.  This will be fed into a National unified network of AWS  &  ARG  with  interoperability  &  sharing  of  data  in  coordination  with  India Meteorological Department (IMD).  WINDS will provide data not only for YES-TECH but also for effective drought & disaster management, accurate weather prediction and offering better parametric insurance products.
-  CROPIC  (Collection  of  Real-time  photos  and  Observations  of  Crops)  for  Geotagged  photographs  for  validation  of  sown  Crop  with  Insured  Crop  and  use  of pictorial analytics for Objective Crop Damage Assessment & Crop Yield Estimation.

For  better  operationalisation  of  the  scheme  three  Alternative  Risk  Management models have also been given as an option to the States for the ongoing tender cycle from Kharif 2023.

| State-wise details of Claim Paid under PMFBY during last three years i.e. 2019- 2020 to 2021-2022 (as on 30.06.2023)   | State-wise details of Claim Paid under PMFBY during last three years i.e. 2019- 2020 to 2021-2022 (as on 30.06.2023)   | State-wise details of Claim Paid under PMFBY during last three years i.e. 2019- 2020 to 2021-2022 (as on 30.06.2023)   | State-wise details of Claim Paid under PMFBY during last three years i.e. 2019- 2020 to 2021-2022 (as on 30.06.2023)   |
|------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------|
| State/UT Name                                                                                                          | 2019-2020                                                                                                              | 2020-2021                                                                                                              | 2021-2022                                                                                                              |
| State/UT Name                                                                                                          | Claims Paid                                                                                                            | Claims Paid                                                                                                            | Claims Paid                                                                                                            |
| A & N Islands                                                                                                          | 0.00                                                                                                                   | 0.00                                                                                                                   | 0.00                                                                                                                   |
| Andhra Pradesh                                                                                                         | 1253.33                                                                                                                | NI                                                                                                                     | NI                                                                                                                     |
| Assam                                                                                                                  | 89.07                                                                                                                  | 146.03                                                                                                                 | 6.68                                                                                                                   |
| Chhattisgarh                                                                                                           | 1303.53                                                                                                                | 885.93                                                                                                                 | 1429.74                                                                                                                |
| Goa                                                                                                                    | 0.007                                                                                                                  | 0.00                                                                                                                   | 0.00                                                                                                                   |
| Gujarat                                                                                                                | 111.68                                                                                                                 | NI                                                                                                                     | NI                                                                                                                     |
| Haryana                                                                                                                | 937.86                                                                                                                 | 1249.95                                                                                                                | 1681.37                                                                                                                |
| Himachal Pradesh                                                                                                       | 67.50                                                                                                                  | 73.37                                                                                                                  | 12.77                                                                                                                  |
| Jammu & Kashmir                                                                                                        | NI                                                                                                                     | NI                                                                                                                     | 55.87                                                                                                                  |
| Karnataka                                                                                                              | 1499.79                                                                                                                | 1024.11                                                                                                                | 1489.19                                                                                                                |
| Kerala                                                                                                                 | 88.92                                                                                                                  | 124.49                                                                                                                 | 39.00                                                                                                                  |
| Madhya Pradesh                                                                                                         | 6194.79                                                                                                                | 7780.53                                                                                                                | 2682.71                                                                                                                |
| Maharashtra                                                                                                            | 6758.34                                                                                                                | 1319.97                                                                                                                | 4373.99                                                                                                                |
| Manipur                                                                                                                | 1.14                                                                                                                   | 0.00                                                                                                                   | 1.48                                                                                                                   |
| Meghalaya                                                                                                              | 0.17843                                                                                                                | 0.07                                                                                                                   | 0.00                                                                                                                   |
| Odisha                                                                                                                 | 1157.95                                                                                                                | 571.78                                                                                                                 | 1027.54                                                                                                                |
| Puducherry                                                                                                             | 7.13                                                                                                                   | 13.39                                                                                                                  | 0.00                                                                                                                   |
| Rajasthan                                                                                                              | 4993.05                                                                                                                | 4309.86                                                                                                                | 3410.62                                                                                                                |
| Sikkim                                                                                                                 | 0.00                                                                                                                   | 0.02                                                                                                                   | 0.50                                                                                                                   |
| Tamil Nadu                                                                                                             | 1214.00                                                                                                                | 2634.67                                                                                                                | 766.42                                                                                                                 |
| Telangana                                                                                                              | 506.10                                                                                                                 | NI                                                                                                                     | NI                                                                                                                     |
| Tripura                                                                                                                | 0.81                                                                                                                   | 2.60                                                                                                                   | 0.00                                                                                                                   |
| Uttar Pradesh                                                                                                          | 1084.56                                                                                                                | 499.42                                                                                                                 | 955.53                                                                                                                 |
| Uttarakhand                                                                                                            | 103.24                                                                                                                 | 134.86                                                                                                                 | 109.91                                                                                                                 |

******