Lok Sabha Question No. 1573 (UNSTARRED), answered on 2015-12-08
Subject: Crop Insurance Scheme
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: AJAY (TENI) MISRA

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

## LOK  SABHA UNSTARRED QUESTION NO.1573

TO BE ANSWERED ON THE  8 TH  DECEMBER, 2015

## CROP INSURANCE SCHEME

1573.       SHRI AJAY MISRA TENI:

Will the Minister of AGRICULTURE AND FARMERS WELFARE ‡ãðŠãäÓã एवं किसान िल्याण ½ãâ¨ããè be pleased to state:

- (a) whether  crop  insurance  is  done  by  the  primary  cooperative  societies  while providing loans to the farmers;
- (b) if  so,  the  details  thereof  along  with  the  amount  of  the  premium  collected  there from;
- (c) whether  the  premium  for  crop  insurance  is  recovered  from  individual  account holders while the crop damage is assessed under the revenue rules;
- (d) if so, the details thereof; and
- (e) whether the Government proposes to make such provisions or enact any rules for paying of compensation for crop damage on the lines of individual insurance policy in case the premium is collected from the individual account holder?

## ANSWER

MINISTER OF  STATE IN THE  MINISTRY OF  AGRICULTURE AND  FARMERS  WELFARE ‡ãðŠãäÓã एवं किसान िल्याण ½ãâ¨ããÊã¾ã ½ãñâ Àã·¾ã ½ãâ¨ããè ( SHRI MOHANBHAI KUNDARIA )

- (a) to (d): The  Government  sponsored  crop  insurance schemes  viz., National Agricultural  Insurance  Scheme  (NAIS),  Modified  NAIS  (MNAIS)  and  Weather  Based Crop Insurance  Scheme (WBCIS) are compulsory for loanee farmers who avail crop loans from Rural financial institutions including cooperative banks/ Primary Agriculture Cooperative Society (PACS) in notified areas for notified  crops.   In  the  case  of  such farmers,  the  concerned  Bank/PACS  pays  the  premium  to  insurance  companies  by sanctioning additional amount as loan.  In respect of non-loanee farmers the insurance companies  collects  the  premium  directly  or  through  their  agents,  which  include Banks/PACS.

The admissible claims to the farmers are being calculated as per the stipulated provisions of the schemes and not under the revenue rules.  The admissible claims are directly  credited  in  their  respective  banks  accounts  of  both  loanee  &  non-  loanee farmers.  For wide-spread calamities, claims are being calculated on the basis of area approach  i.e. notified insurance  unit. However,  for  localized  calamities  such  as hailstorm, landslide etc. claims are calculated on the basis of assessment of damage of insured crops at individual farm level under MNAIS.

The scheme  wise  details  of  crop insurance premium  collected  through  rural financial institutions including cooperative sector by empanelled companies during the Year 2014-15 is  given in Annexure.

- (e): No Madam.

ANNEXURE

<!-- image -->

|        | Kharif 2014                 | Kharif 2014                    | Rabi 2014-15                | Rabi 2014-15                   | YEAR 2014-15                | YEAR 2014-15                   |
|--------|-----------------------------|--------------------------------|-----------------------------|--------------------------------|-----------------------------|--------------------------------|
| Scheme | Gross Premium (Rs. in Lakh) | Farmers' Premium (Rs. in Lakh) | Gross Premium (Rs. in Lakh) | Farmers' Premium (Rs. in Lakh) | Gross Premium (Rs. in Lakh) | Farmers' Premium (Rs. in Lakh) |
| NAIS   | 84465.83                    | 78459.10                       | 52799.76                    | 35571.18                       | 137265.59                   | 114030.28                      |
| MNAIS  | 94104.78                    | 34498.54                       | 50267.90                    | 27291.33                       | 144372.68                   | 61789.87                       |
| WBCIS  | 156563.52                   | 69551.64                       | 55838.99                    | 24310.39                       | 212402.51                   | 93862.03                       |
| TOTAL  | 335134.13                   | 182509.28                      | 158906.65                   | 87172.90                       | 494040.78                   | 269682.18                      |

## *******