Lok Sabha Question No. 1171 (UNSTARRED), answered on 2015-07-28
Subject: National Crop Insurance Scheme
Ministry: AGRICULTURE
Asked by: C.S. PUTTARAJU, MAULANA BADRUDDIN AJMAL

GOVERNMENT OF INDIA

MINISTRY OF AGRICULTURE

DEPARTMENT OF AGRICULTURE & COOPERATION

**LOK  SABHA**

**UNSTARRED QUESTION NO. 1171**

TO BE ANSWERED ON THE  28 TH JULY, 2015

**NATIONAL CROP INSURANCE SCHEME**

1171.    SHRI C.S. PUTTA RAJU:

SHRI BADRUDDIN AJMAL:

Will the Minister of AGRICULTURE 	     कृषि मंत्री

be pleased  to state:

(a) 	the salient features of the Modified National Agricultural Insurance Scheme (MNAIS) to provide more relief to the farmers in the country;

(b) 	the area of land under cultivation of crops covered under the National Crop Insurance Scheme during the last three years along with the amount of premium collected therefrom, crop and State-wise;

(c) 	the details of the number of farmers covered under Modified Crop Insurance Scheme since inception till date, year crop and State/UT-wise separately;

(d) 	whether the Government has any proposal to allow select private sector insurance companies to participate in the MNAIS and if so, the details thereof;

(e) 	the details of the funds allocated for the implementation of the scheme during the last three years and the current year, State-wise; and

(f) 	whether the Government has received any complaint from farmers regarding non-payment of crop insurance claims, if so, the details thereof along with the steps taken by the Government for proper implementation of these schemes?

### ANSWER

MINISTER OF STATE IN THE MINISTRY OF AGRICULTURE

कृषि मंत्रालय में राज्य मंत्री  (SHRI MOHANBHAI KUNDARIA)

(a): 	The salient features of MNAIS are at **Annexure-I** .

(b) & (c):      State-wise & crop season-wise details of farmers covered,  area insured and premium collected under MNAIS since inception are given in **Annexure-II** .

(d): 	   Private sector general insurance companies have already been allowed to implement the MNAIS.

Contd…2/-

-2-

(e): 	   States-wise allocation/release is not made under crop insurance schemes.  Funds are released to Agriculture Insurance Company of India Ltd. (AIC). Details of funds  allocated & released to implementing agency during last three years and current year are given below :

| **Year**   |   **Budget Estimates** | **Funds Released**    |
|------------|------------------------|-----------------------|
| 2012-13    |                1135.00 | 1549.19               |
| 2013-14    |                2151.00 | 2551.03               |
| 2014-15    |                2823.00 | 2598.35               |
| 2015-16    |                2823.00 | 1353.57  (as on date) |

(f): 	   Some complaints about non-payment and delayed payment of claims; under payment of claims on account of incorrect/delayed submission of insurance proposals by banks; unrealistic assessment of crop loss due to large unit area of insurance; delay in providing Government share of funds etc.,  have been received in the past.   As far as possible, all the complaints have been suitably addressed by the Insurer and the Ministry.

**Annexure-I**

**Salient features of Modified National Agricultural Insurance Scheme (MNAIS)**

-   Reduction in Unit Area of Insurance to village/ village Panchayat level;

- actuarial premium rates are charged with a provision of subsidy up to 75% of premium, which is shared by the Central and State Governments on 50 : 50 basis;

- entire liability of claims is on the implementing insurance companies;

- it is compulsory for loanee farmers and optional for non-loanee farmers;

- risk coverage for pre-sowing/prevented sowing and for post harvest losses due to cyclone in coastal areas;

- assessment of damage due to localized calamities such as hailstorms, landslides at individual farm basis;

- on account payment up to 25% of likely claims as immediate relief in the areas which suffer at least 50% crop yield loss;

- more proficient basis for calculation of threshold yield;

- two higher indemnity levels of 80% & 90%;

- private insurance companies have also been involved;

- Pilot remote sensing technology to supplement Crop Cutting Experiments.

|             |                                                                                                                                                                                                             |                     |                       |                   |            |                     |                       |                   |            |                     |                       |                   |            |                     |                       |                   |            |          |
|-------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------|-----------------------|-------------------|------------|---------------------|-----------------------|-------------------|------------|---------------------|-----------------------|-------------------|------------|---------------------|-----------------------|-------------------|------------|----------|
|             | **ANNEXURE**  **MODIFIED NATIONAL AGRICULTURAL INSURANCE SCHEME (MNAIS) ALL COMPANIES COMBINED**  **STATE-WSIE & CROP SEASON-WISE SINCE INCEPTION (FROM RABI 2010-11 TO RABI 2014-15)**  (Rs. in Lakhs) |                     |                       |                   |            |                     |                       |                   |            |                     |                       |                   |            |                     |                       |                   |            |          |
| **Sl. No.** | **State / UT**                                                                                                                                                                                              | **RABI 10-11**      |                       |                   |            | **KHARIF 2011**     |                       |                   |            | **RABI 11-12**      |                       |                   |            | **KHARIF 2012**     |                       |                   |            |          |
|             |                                                                                                                                                                                                             | **Farmers Insured** | **Area Insured (Ha)** | **Gross Premium** | **Claims** | **Farmers Insured** | **Area Insured (Ha)** | **Gross Premium** | **Claims** | **Farmers Insured** | **Area Insured (Ha)** | **Gross Premium** | **Claims** | **Farmers Insured** | **Area Insured (Ha)** | **Gross Premium** | **Claims** |          |
| 1           | Andhra Pradesh                                                                                                                                                                                              | 54195               | 65216.55              | 1134.19           | 77.92      | 39568               | 53075.73              | 872.07            | 232.27     | 58602               | 89903.63              | 1318.20           | 966.67     | 493054              | 493108.46             | 15925.84          | 42456.78   | 42456.78 |
| 2           | Andaman & Nicobar                                                                                                                                                                                           | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0.00     |
| 3           | Assam                                                                                                                                                                                                       | 2097                | 1564.19               | 19.68             | 0.00       | 4641                | 3192.01               | 80.20             | 20.55      | 3942                | 2670.78               | 31.71             | 7.24       | 2722                | 3375.62               | 32.67             | 59.80      | 59.80    |
| 4           | Bihar                                                                                                                                                                                                       | 37123               | 45253.83              | 1044.47           | 321.66     | 40127               | 48943.48              | 2224.33           | 440.91     | 40360               | 44154.79              | 994.86            | 171.74     | 386487              | 428147.37             | 19745.20          | 4766.34    | 4766.34  |
| 5           | Chhatisgarh                                                                                                                                                                                                 | 18                  | 31.76                 | 0.22              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0.00     |
| 6           | Goa                                                                                                                                                                                                         | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0.00     |
| 7           | Gujarat                                                                                                                                                                                                     | 125                 | 191.86                | 5.42              | 0.00       | 111                 | 144.20                | 8.89              | 0.00       | 76                  | 107.30                | 2.87              | 0.00       | 120                 | 147.30                | 11.05             | 0.00       | 0.00     |
| 8           | Haryana                                                                                                                                                                                                     | 0                   | 0.00                  | 0.00              | 0.00       | 35408               | 60718.36              | 1153.27           | 3437.49    | 46045               | 62578.90              | 333.11            | 39.06      | 44908               | 91710.57              | 2160.94           | 679.84     | 679.84   |
| 9           | Jharkhand                                                                                                                                                                                                   | 183                 | 188.72                | 1.85              | 0.00       | 2661                | 2369.83               | 69.84             | 0.00       | 14430               | 10300.55              | 94.80             | 2.45       | 24352               | 24724.86              | 683.52            | 19.37      | 19.37    |
| 10          | Karnataka                                                                                                                                                                                                   | 8743                | 11450.34              | 93.16             | 242.08     | 152571              | 274295.11             | 4120.62           | 1738.13    | 23433               | 44181.94              | 173.93            | 1080.00    | 226767              | 358954.43             | 6624.78           | 5003.29    | 5003.29  |
| 11          | Kerala                                                                                                                                                                                                      | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0.00     |
| 12          | Madhya Pradesh                                                                                                                                                                                              | 34537               | 43435                 | 392.54            | 22.33      | 20888               | 53187.36              | 502.31            | 34.75      | 49273               | 58786.66              | 189.71            | 20.99      | 0                   | 0.00                  | 0.00              | 0.00       | 0.00     |
| 13          | Maharashtra                                                                                                                                                                                                 | 3663                | 5151                  | 122.66            | 0.00       | 46958               | 42812.00              | 1225.90           | 0.00       | 1343                | 1658.11               | 13.43             | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0.00     |
| 14          | Mizoram                                                                                                                                                                                                     | 0                   | 0.00                  | 0.00              | 0.00       | 453                 | 434.00                | 5.24              | 8.66       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0.00     |
| 15          | Orissa                                                                                                                                                                                                      | 40434               | 32704                 | 426.41            | 401.03     | 0                   | 0.00                  | 0.00              | 0.00       | 14331               | 9277.80               | 118.82            | 41.42      | 0                   | 0.00                  | 0.00              | 0.00       | 0.00     |
| 16          | Rajasthan                                                                                                                                                                                                   | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 179756              | 240089.00             | 2515.75           | 1448.64    | 677386              | 623773.20             | 6445.96           | 3622.70    | 3622.70  |
| 17          | Tamil Nadu                                                                                                                                                                                                  | 0                   | 0.00                  | 0.00              | 0.00       | 45510               | 61506.85              | 1163.98           | 3522.00    | 4599                | 7456.64               | 64.76             | 93.40      | 154545              | 161925.74             | 4381.05           | 5488.74    | 5488.74  |
| 18          | Telengana                                                                                                                                                                                                   | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0.00     |
| 19          | Uttar Pradesh                                                                                                                                                                                               | 167661              | 112229.99             | 1407.47           | 549.86     | 47281               | 46395.19              | 562.95            | 79.08      | 44326               | 45278.98              | 519.71            | 60.02      | 34854               | 45388.97              | 338.36            | 82.54      | 82.54    |
| 20          | Uttarakhand                                                                                                                                                                                                 | 9642                | 6317                  | 84.00             | 0.00       | 21980               | 18579.67              | 189.29            | 96.13      | 3200                | 2458.49               | 23.15             | 1.55       | 17250               | 8059.80               | 82.65             | 6.08       | 6.08     |
| 21          | West Bengal                                                                                                                                                                                                 | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 271283              | 88477.55              | 10126.46          | 4487.78    | 0                   | 0.00                  | 0.00              | 0.00       | 0.00     |
|             | Total                                                                                                                                                                                                       | 358421              | 323734.24             | 4732.08           | 1614.88    | 458157              | 665653.80             | 12178.89          | 9609.97    | 754999              | 707381.12             | 16521.27          | 8420.96    | 2062445             | 2239316.33            | 56432.04          | 62185.49   | 62185.49 |

Contd….2/-

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|----|----|----|----|----|----|----|----|----|----|----|----|----|----|----|----|----|----|----|----|
|    |    |    |    |    |    |    |    |    |    |    |    |    |    |    |    |    |    |    |    |

| S.  No.   | State/UT          | **RABI 12-13**           |                       |                   |            | **KHARIF 2013**     |                       |                   |            | **RABI 13-14**      |                       |                   |            | **KHARIF 2014**     |                       |                   |            | **RABI 2014-15**    |                       |                   |            |
|-----------|-------------------|--------------------------|-----------------------|-------------------|------------|---------------------|-----------------------|-------------------|------------|---------------------|-----------------------|-------------------|------------|---------------------|-----------------------|-------------------|------------|---------------------|-----------------------|-------------------|------------|
|           |                   | **Farmers**  **Insured** | **Area Insured (Ha)** | **Gross Premium** | **Claims** | **Farmers Insured** | **Area Insured (Ha)** | **Gross Premium** | **Claims** | **Farmers Insured** | **Area Insured (Ha)** | **Gross Premium** | **Claims** | **Farmers Insured** | **Area Insured (Ha)** | **Gross Premium** | **Claims** | **Farmers Insured** | **Area Insured (Ha)** | **Gross Premium** | **Claims** |
| 1         | Andhra Pradesh    | 35364                    | 43093.10              | 827.54            | 381.54     | 475324              | 479312.68             | 24231.66          | 32620.74   | 21910               | 26587.17              | 637.43            | 458.85     | 167572              | 185924.86             | 9339.21           | 1127.05    | 99232               | 113371.50             | 2477.52           | 0.00       |
| 2         | Andaman & Nicobar | 0                        | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 686                 | 1090.04               | 15.36             | 5.71       | 97                  | 140.43                | 0.92              | 0.00       |
| 3         | Assam             | 2229                     | 1849.82               | 29.32             | 27.75      | 3604                | 3306.99               | 42.41             | 0.00       | 827                 | 486.04                | 13.29             | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       |
| 4         | Bihar             | 0                        | 0.00                  | 0.00              | 0.00       | 430853              | 497874.87             | 18109.97          | 13403.08   | 0                   | 0.00                  | 0.00              | 0.00       | 447997              | 506240.88             | 11107.37          | 822.18     | 0                   | 0.00                  | 0.00              | 0.00       |
| 5         | Chhatisgarh       | 0                        | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       |
| 6         | Goa               | 0                        | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 155                 | 179.36                | 0.64              | 0.00       | 5                   | 0.95                  | 0.01              | 0.00       |
| 7         | Gujarat           | 0                        | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       |
| 8         | Haryana           | 43637                    | 69873.79              | 336.90            | 426.67     | 44166               | 79555.24              | 1837.16           | 341.11     | 48523.7             | 82252.22              | 373.03            | 116.47     | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       |
| 9         | Jharkhand         | 3408                     | 1821.31               | 32.47             | 2.27       | 27436               | 33971.88              | 761.50            | 235.73     | 9666                | 15440.05              | 79.43             | 0.82       | 35334               | 29198.56              | 888.01            | 46.40      | 0                   | 0.00                  | 0.00              | 0.00       |
| 10        | Karnataka         | 2083                     | 4100.97               | 60.82             | 5.17       | 162390              | 268989.65             | 6727.47           | 608.19     | 51135               | 77643.02              | 1163.55           | 346.40     | 889657              | 3788389.76            | 21166.77          | 10723.61   | 31952               | 45664.14              | 660.31            | 106.97     |
| 11        | Kerala            | 0                        | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 6545                | 9071.15               | 202.10            | 424.78     | 13349               | 17119.96              | 291.96            | 0.00       |
| 12        | Madhya Pradesh    | 41465                    | 69254.75              | 261.70            | 18.44      | 14853               | 31150.31              | 227.15            | 192.32     | 57364               | 103233.80             | 418.10            | 49.43      | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       |
| 13        | Maharashtra       | 0                        | 0                     | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       |
| 14        | Mizoram           | 59                       | 54.00                 | 1.24              | 0.77       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       |
| 15        | Orissa            | 21246                    | 12747.93              | 172.32            | 297.44     | 295608              | 180782.87             | 2389.56           | 20528.63   | 53405               | 44767.08              | 402.93            | 90.40      | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       |
| 16        | Rajasthan         | 461411                   | 386962.00             | 3853.64           | 942.54     | 751403              | 547265.05             | 4954.93           | 4617.40    | 1674861             | 1797463.13            | 15381.12          | 8568.05    | 2565676             | 3439658.85            | 26399.85          | 18592.18   | 1431472             | 1509023.25            | 16408.63          | 2972.91    |
| 17        | Tamil Nadu        | 7684                     | 9258.03               | 155.76            | 374.99     | 101344              | 96124.95              | 4251.17           | 11048.57   | 117831              | 137826.78             | 2588.27           | 0.00       | 44817               | 48685.31              | 1433.16           | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       |
| 18        | Telengana         | 0                        | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       | 686044              | 995857.20             | 13287.53          | 0.00       |
| 19        | Uttar Pradesh     | 30468                    | 33298.33              | 215.72            | 9.51       | 38842               | 41455.29              | 336.72            | 96.98      | 659235              | 861793.75             | 8316.08           | 24251.48   | 618186              | 881031.27             | 15315.37          | 8730.45    | 704249              | 710405.57             | 14824.26          | 25706.61   |
| 20        | Uttarakhand       | 2943                     | 1973.39               | 11.78             | 0.00       | 15644               | 15422.44              | 153.99            | 229.92     | 6627                | 6955.14               | 58.90             | 8.28       | 23725               | 20472.50              | 179.25            | 77.64      | 14262               | 13698.24              | 119.35            | 0.00       |
| 21        | West Bengal       | 297012                   | 107463.08             | 12970.64          | 2874.47    | 0                   | 0.00                  | 0.00              | 0.00       | 295969              | 99006.62              | 14012.52          | 14593.12   | 1088583             | 1124872.17            | 9463.24           | 0.00       | 0                   | 0.00                  | 0.00              | 0.00       |
|           | Total             | 949009                   | 741750.50             | 18929.87          | 5361.55    | 2361467             | 2275212.23            | 64023.69          | 83922.66   | 2997354             | 3253454.80            | 43444.66          | 48483.28   | 5888933             | 10034814.70           | 95510.34          | 40549.99   | 2980662             | 3405281.25            | 48070.48          | 28786.49   |

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