Lok Sabha Question No. 1744 (UNSTARRED), answered on 2026-02-10
Subject: Status of Insurance Claims
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Captain Brijesh Chowta

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

## LOK SABHA UNSTARRED QUESTION NO. 1744

TO BE ANSWERED ON THE 10 TH  FEBRUARY, 2026

## STATUS OF INSURANCE CLAIMS

## 1744. SHRI CAPTAIN BRIJESH CHOWTA:

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

- (a) the details regarding the number of farmers from affected areas in Dakshina Kannada district who have raised claims and had their claims settled under the Pradhan Mantri Fasal Bima Yojana (PMFBY) so far, along with the total quantum of claims approved and disbursed;
- (b) the number of farmers in Dakshina Kannada district whose claims were not settled within the prescribed time period under the scheme;
- (c) whether there has been any delay in disbursal of funds and if so, whether the Government proposes to initiate interim relief measures for the affected small and marginal farmers of the region;
- (d) the details regarding the number of farmers who claimed crop insurance due to the spread of yellow leaf disease affecting arecanut cultivation in Dakshina Kannada; and (e) whether the Government has undertaken any third-party audits or independent verification of crop loss assessment reports to ensure fair compensation for farmers?

## ANSWER

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

- (a) & (b):  The details of claims reported, claims paid, claims pending and farmer applications benefitted under Pradhan Mantri Fasal Bima Yojana (PMFBY) and Restructured Weather Based Crop Insurance Scheme (RWBCIS) of Dakshina Kannada District of Karnataka from 2020-21 to 2024-25 are as under :
- (c): Majority of the admissible claims under Pradhan Mantri Fasal Bima Yojana (PMFBY) are settled  within the stipulated timelines under the Operational Guidelines of the scheme by the insurance companies.    However, during the implementation of the scheme  some complaints  were  received  in  the  past  about  payment  of  claims  which  are  primarily  on account of (a) delay in providing State Government  share  of  subsidy    (b)  nonpayment/delayed  payment  or  under  payment  of  claims  on  account  of  incorrect/delayed submission of insurance proposals by banks (c) discrepancy in yield data & consequent disputes between State Government and insurance companies etc.  The pending claims on account of these issue are settled after their resolution as per provisions of the scheme.

| Year    | Reported Claims   | Paid Claims    | Pending Claims   | Application Benefitted   |
|---------|-------------------|----------------|------------------|--------------------------|
|         | (Rs. In Crore)    | (Rs. In Crore) | (Rs. In Crore)   | (In No.)                 |
| 2020-21 | 100.55            | 100.49         | 0.06             | 56114                    |
| 2021-22 | 154.19            | 154.15         | 0.03             | 92238                    |
| 2022-23 | 356.39            | 356.23         | 0.16             | 143693                   |
| 2023-24 | 271.50            | 270.60         | 0.89             | 225772                   |
| 2024-25 | 233.17            | 228.94         | 4.23             | 277747                   |
| Total   | 1,115.78          | 1,110.41       | 5.37             | 7,95,564                 |

(d):  The  PMFBY  &  RWBCIS  is  mainly  implemented  on  'Area  Approach'  basis  and comprehensive risk coverage for crops of farmers against all non-preventable natural risks from  pre-sowing  to  post-harvest  stages  of  the  crops  at  very  minimum  premium  for  the farmers is provided under the scheme.     Admissible claims, in this case, are worked out and  paid  directly  to  the  insured  farmer's  account  by  the  insurance  companies  through DigiClaim module on National Crop Insurance Portal (NCIP), based on the yield data per unit area furnished to the insurance company by the concerned State Government and claim calculation formula envisaged in the Operational Guidelines of the scheme.    As the claims are being worked out on an average shortfall in yield, therefore, specific reasons for crop loss are not recorded.

Further, Arecanut crop has been notified in various districts of the State under the Restructured  Weather  Based  Crop  Insurance  Scheme  (RWBCIS)  for  the  monsoon  and post-monsoon seasons, and insurance compensation is provided under the said scheme in case of crop loss due to weather conditions, details of which are as under :

|   Sl. No. | Crop Insurance details under RWBCIS for the year 2024-2025   | For Arecanut growing districts in Karnataka   |
|-----------|--------------------------------------------------------------|-----------------------------------------------|
|         1 | Applications received (Nos)                                  | 5,28,705                                      |
|         2 | Area (Covered) in hectares                                   | 1,73,060.42                                   |
|         3 | Sum insured (Amount in ₹ Crores)                             | 2,215.17                                      |
|         4 | Claim amount paid (Claim amount in ₹ Crores)                 | 344.45                                        |
|         5 | Number of beneficiaries (Nos)                                | 2,76,742                                      |

(e):  Review/revisions /rationalization / improvements in the crop insurance schemes is a continuous process and decision on suggestion/ representations/ recommendations of the stakeholders/studies are taken from time to time.  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 revised the Operational Guidelines of the PMFBY comprehensively in 2018, 2020 and 2023 to ensure that the eligible benefits under the scheme reach the farmers timely and transparently.

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