How to Apply for Crop Insurance in Chhattisgarh

In Chhattisgarh, the government’s flagship program for crop insurance, Pradhan Mantri Fasal Bima Yojana (PMFBY), is being implemented. PMFBY provides farmers with insurance coverage against crop yield loss due to multiple external perils, such as drought, flood, prolonged dry period, landslides, cyclones, storms, pests, and diseases. For this scheme, the State Government will conduct the Cutting Experiment (CCE) process on the notified crops in the notified areas. In the event of a shortfall in yield figures based on CCE, farmers will be entitled to compensation.

Insurance coverage is provided for all stages of the crop cycle, from pre-sowing to harvesting to post-harvest. The Agriculture Department, Government of Chhattisgarh, approves all PMFBY products. Through their respective Banks/Janseva Kendras/(CSC) or authorized agents, farmers from Dhamtari, Koriya, Sukma, Balod, and Mahasamund districts can get insurance coverage under the PMFBY scheme for the listed crops. Farmers can get insurance coverage by visiting the Agriculture Department’s website for details about the validity period.

How to Apply for Crop Insurance in Chhattisgarh

Current Status of PMFBY in Chhattisgarh

Across the 27 districts of the state, 1,294,189 farmers insured their crops under the scheme. Crops of 250,000 farmers were damaged due to scant rainfall and other factors. Tehsils in more than half of the state have been declared drought-affected. In 21 districts, 96 tehsils out of 149 were declared drought-stricken by the state government.

According to the state government, the farmers claimed Rs 3.53 billion, which should be cleared as soon as possible. Assured that the claims would be paid by March 31, but the insurance company failed. In the kharif season 2021-22, farmers insured their crops under this insurance scheme, Pradhan Mantri Fasal Bima Yojana (PMFBY) was reportedly not paid Rs 3.53 billion, according to reports. Both insurance companies could not be reached for comment.

Application Procedure to Get Crop Insurance Under PMFBY in Chhattisgarh

Apply In-Person

You can get a crop insurance application form from the agriculture department or the Tehsildar Office in Chhattisgarh.
An application form for the crop insurance scheme (WBCIS) is obtained from the agriculture department or tehsildar office by applicants.
In the application form, all information must be entered by the applicant.
Applicants should bring photocopies of all necessary documents and originals when applying for this procedure.
The “Required Documents” section of this page lists the documents required for this procedure.
When submitting an application form, the applicant must attach copies of documents (whichever is necessary) along with it.
The authority determines fees for this procedure.
A notification regarding the crop insurance plan would be provided to the applicant if all procedures, as mentioned above, were followed properly.
It usually takes 30-45 days for this procedure to be processed.
The applicant can check the status of their application if no information is provided regarding the crop insurance scheme to them.

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Apply Online

Applicants go to the online website: www.pmfby.gov.in-application
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.
The internal process will be initiated to verify the details.
Follow the notification to get the crop insurance scheme.

Required Documents for Applying for PMFBY Crop Insurance Scheme

Application form
Duly completed claim form
Land registration papers
Land ownership documents
Aadhaar card
Bank account details
Sowing declaration
PAN card
Residential address

Premiums Need to be Paid for PMFBY

PMFBY has a premium of 1.5% for Rabi, 2% for Kharif, and 5% for commercial and horticulture crops from farmers.
In crop insurance, a lot of premium is taken from the farmers. The government pays most of the premium so that no farmer is left out of being insured. So that the damage caused by the disaster can be compensated.
Technology has been used extensively in PMFBY. Due to this, the time to settle the claim can be reduced considerably.

How to Take Insurance Claim

Kharif crops are protected by insurance, so you do not need to worry about them. You must inform the bank if you have insurance through the bank, and the bank will relay your request to the insurance company. Your crop will then be inspected and surveyed by a surveyor from the insurance company. Their survey will determine whether your crop loss is genuine, and your claim will be accepted. Within the next few days/months, your bank account will be credited with the assistance/claim amount.

In case you missed it: How to Apply for Crop Insurance in Odisha

You need to visit Pradhan Mantri Fasal Bima’s official website and click on the helpdesk option if you have crop insurance or through Jan Seva Kendra. Please notify the company’s toll-free number or agri-insurance@gov.in about your crop loss. During the next 24 hours, a company surveyor will assess your crop and take your application forward.

Conclusion

As you may already know, crop insurance is based on the crop (Rabi, Kharif, and Zaid). Insurers will determine whether you get insurance based on the type of crop. The insurance amount will be given only to you if the crop fails; otherwise, nothing will be given. Thus, if you have taken crop insurance for this season (Rabi), you should keep in mind that if the crop fails (because of rain or any other calamity), your policy may not be valid. The insurance company must be contacted immediately.

How to Apply for Crop Insurance in Chhattisgarh