Agricultural distress and farmer welfare were reduced through the Pradhan Mantri Fasal Bima Yojana (PMFBY) introduced on 14th January 2016, resulting in hefty hikes in agricultural product minimum support prices (MSPs) due to monsoon fluctuations. For each notified crop, the PMFBY scheme uses an ‘area approach,’ which means that certain areas are designated for each crop in the event of widespread calamities.
At the same time, it eliminates all previous shortcomings and weaknesses while incorporating the best features of all previous schemes. As a result of the PMFBY, the National Agricultural Insurance Scheme and the Modified NAIS will be replaced.
Objective of PMFBY
- Providing financial support to farmers who suffer crop loss/damage due to unforeseen circumstances
- Stabilizing farmer incomes to ensure their survival
- Farming practices should be innovative and modernized to encourage farmers to adopt them
- In addition to protecting farmers from production risks, ensuring access to credit will contribute to food security, crop diversification, and increasing the agriculture sector’s growth and competitiveness.
How to Apply for Crop Insurance in Arunachal Pradesh
Apply In-Person
- Application form for getting crop insurance is available in apply for agriculture department in Tawang contact link
- Applicants approach the agriculture department, and applicants get their application form for the crop insurance scheme (WBCIS).
- An applicant has to enter all information in the application form.
- Applicants should carry photocopies and originals of all necessary documents while applying for this procedure.
- Documents necessary for this procedure are mentioned under the “Required Documents” section.
- Applicant must attach photocopies of documents (Whichever is necessary) and the application form while submitting for this procedure.
- This procedure’s fee must be paid as per the authority’s request.
- The Processing time for this procedure is taken 30-45 days.
- If all above – mentioned procedures were followed properly by the applicant, concerned authorities will provide notification to the applicant regarding their crop insurance scheme within 30-45 days.
- If no information is provided regarding the crop insurance scheme to the applicant, then the applicant can visit the office to know the status of their application.
Apply Online
- Applicants go to an online website: www.pmfby.gov.in
- In the given new window, click the “login/register” button under “Login/Register to Avail following Facilities” on the left part of the screen.
- The user will reach the login page. Please enter “Mobile No,” “Password,” and “captcha” as appropriate and click the “Login” button.
- If you are a new user, please use the “Don’t have an account, register…..” option to reach the registration page. Complete the page prompts as appropriate and click the “Register” button to register, and then login.
- Once login, click the “Correction in personal details” button on the given page.
- A new page prompts the user to choose either “Self” or “Family” as per requirement. Please choose as per requirement and click the “Next” button.
- The user shall also select the language of choice.
- Please enter the Part and Serial numbers on the new page in the prompted space. Make entries that require changes or corrections. Fill in the required details correctly.
- Upload relevant documents as applicable. Please enter your email ID, Phone number, and other details as applicable.
- Enter the “captcha” at the prompted space and click the “Submit” button to apply online.
- A system-generated reference id will be displayed as acknowledgment.
- Save this id safe for future reference to check the status.
- The agriculture department will process this application.
- An internal process will be initiated to verify the details.
- Follow the notification to get the crop insurance scheme.
In case you missed it: Unified Package Insurance Scheme in India: Benefits, Coverage, How to Apply, and Eligibility
Required Documents for Applying for Crop Insurance Through PMFBY
- Application form
- Duly completed claim form
- Land registration papers
- Land ownership documents
- Ration card
- Sowing information
- Aadhaar card
- PAN card
- Residential address
- Evidence of land records existing in the state
- Bank account details
- Sowing declaration
Premium Need to be Paid for Crop Insurance Under PMFBY
| Season | Crops | Maximum Insurance Charges need to be paid by the Farmer (% Of the Sum Insured) |
| Kharif | All food grain crops and Oilseed crops (Cereals, Pulses, Millets, and Oilseed crops) | 2.0% of SI or Actuarial rate, whichever is less |
| Rabi | All food grain and Oilseed crops (Cereals, Pulses, Millets, and Oilseed crops) | 1.5% of SI or Actuarial rate, whichever is less |
| Kharif and Rabi | Annual Commercial / Annual Horticultural crops | 5% of SI or Actuarial rate, whichever is less |
Coverage of Risks and Exclusions
- Prevented Sowing/ Planting Risk: Insufficient rainfall or adverse seasonal conditions prevent sowing/planting in the insured area
- Standing Crop (Sowing to Harvesting): Risk insurance covers yield losses from unpreventable events such as Droughts, Dry spells, Floods, Inundations, Pests, Diseases, Landslides, Natural Fire, Lightning, Storms, Hailstorms, Cyclones, Typhoons, Tempests, Hurricanes, and Tornadoes.
- Post-Harvest Losses: It covers the crops when allowed to dry in cut-and-spread conditions in the field after harvesting against specific perils of cyclones, cyclonic rains, and unseasonal rains for up to two weeks after harvest.
- Localized Calamities: Loss/damage resulting from localized hazards such as hailstorms, landslides, and flooding affecting isolated farms in the notified area.
Benefits of Crop Insurance
A farmer who takes out crop insurance protects their crops from unforeseen setbacks. Farmers’ livelihoods depend strongly on the quality and quantity of the crops they produce, so crop insurance aids in fighting poverty. Crop insurance has the following advantages:
- Stability in Income: It protects farmers from losses during crop failures. Farmer yield and price risks can be managed through it.
- Minimal Debts: In the event of crop failure, farmers can repay their loans with the help of the right insurance provider.
- Technological Advancement: Insurance companies work with Agri platforms that use IOT to enhance agriculture practices and reduce farmers’ losses. This helps farmers to understand the latest technological advancements and improve their crop production.
- Yield Protection: Crop Insurance protects farmers against crop production loss. It also offers preventive planting and replants security.
- Provides Awareness: Farmers are protected from natural calamities through awareness campaigns provided by insurance companies.
In case you missed it: How to Apply for Crop Insurance in Bihar
Conclusion
Crop insurance helps stabilize crop production and reduces its negative impact on farmers’ lives. For agricultural-related issues, crop insurance has become necessary in the current environment. Despite the unpredictable nature of natural disasters, farmers can use forecasting methodology to understand climate change and protect their crops. Farmers’ peace of mind from purchasing agriculture insurance is one of the most important benefits.
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