Lok Sabha Question No. 2773 (UNSTARRED), answered on 2025-03-18
Subject: Insurance Companies under PMFBY
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Govind Makthappa Karjol

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

## LOK SABHA UNSTARRED QUESTION NO. 2773

TO BE ANSWERED ON THE 18 TH  MARCH, 2025

## INSURANCE COMPANIES UNDER PMFBY

2773. SHRI GOVIND MAKTHAPPA KARJOL:

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

(a) the details of the various companies providing crop insurance under PM Fasal Bima Yojana (PMFBY) in the State of Karnataka;

(b)  the  details  of  the  number  of  farmers  whose  crops  have  been  insured  and  awarded compensation by the said companies for crop damage throughout Chitradurga Parliamentary Constituency during the last five years;

(c)  whether  the  Government  is  receiving  complaints  against  the  companies  about compensation cases and delay in compensation particularly from Karnataka; and

(d) if so, the details thereof and the action taken in this regard?

## ANSWER

THE MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण राǛ मंũी (SHRI RAMNATH THAKUR)

- (a): With a view to provide financial support to the farmers in the event of non-preventable natural calamities, Pradhan Mantri Fasal Bima Yojana (PMFBY) has been introduced in the country from Kharif 2016 season.  The scheme is implemented through general insurance companies empaneled by the Central Government.  However, specific insurance company is selected by the State Government concerned through transparent tendering process.   At present,  HDFC  ERGO,  IFFCO-Tokio,  Kshema  General,  Oriental  Insurance,  Tata  AIG, Univeral Sompo,  and Agricultrure Insurance Company of India Ltd. are implementing the scheme in Karnataka.

(b) :  The data in PMFBY is not maintained constituency wise.

(c)  & (d) : All  the  major  work  relating  to  the  assessment  of  crop  yield/crop  loss  for calculation of admissible claims are being performed by the concerned State Government or  Joint  Committee  of  State  Government  officials  and  concerned  insurance  company. However,  during  implementation  of  the  PMFBY,  some  complaints  against  insurance companies about non-payment and delayed payment of claims; under payment of claims on account of incorrect/delayed submission of insurance proposals by banks; discrepancy in yield data & consequent disputes between State Government and insurance companies, delay in providing State Government share of funds, non-deployment of sufficient personnel by insurance companies etc.,  have been received in the past in the country.   Most of the

complaints have been suitably addressed. Since the scheme is implemented by the State Government, therefore, in order to resolve  the  grievances/complaints  including  those  related  to  claims  of  insured  farmers, provision  of  Stratified  Grievance  Redressal  Mechanism  viz.  District  Level  Grievance Redressal Committee (DGRC), State Level Grievance Redressal Committee (SGRC) has been made in the Revised Operational Guidelines of the Scheme.    These committees have been given the detailed mandate as outlined in the Operational Guidelines for hearing the complaints/ grievances   and to dispose them as per the stipulated procedure. where farmers can raise their grievances/issues. Timelines to resolve

To further improve the grievance redressal mechanism, Krishi Rakshak Portal and Helpline (KRPH) has been developed and lunched in January, 2024.  A single Pan-India toll free number 14447 has been deployed and linked to the insurance companies database, these grievances/issues has also been fixed.  This has helped the Central and State Governments to monitor the grievances of stakeholders at a unified platform.

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