How to Apply for Crop Insurance in Haryana

Weather fluctuations, hailstorms, cyclones, drought, floods, cold waves, and hailstorms are all risks that Indian farmers are more exposed to due to their high dependency on nature. Poor infrastructure, imperfect markets, and insufficient financial services, such as credit and insurance, aggravate the risk in rural areas. Agricultural insurance protects farmers from financial loss from natural disasters when their crops are destroyed.

This central government’s flagship crop insurance scheme, Pradhan Mantri Fasal Bima Yojana (PMFBY), is an initiative of the Indian government started in 2016. Indian farmers are insured under the Pradhan Mantri Fasal Bima Yojana against financial loss in an unfortunate event. Natural calamities, crop diseases, pests, unseasonal rains, and other natural calamities are covered by PM Fasal Bima Yojana. The farmers will benefit from this because they can stabilize their income, continue farming, and adopt innovative and modern agricultural methods. Additionally, it ensures that agricultural credit flows.

How to Apply for Crop Insurance in Haryana

Documents Required in Crop Insurance Scheme

Land-related documents: The farmer must produce proper documents regardless of whether he is planting on rented land. Farmers must prove that all legal documents about their land are in order before applying under the scheme.
Identity proof of the farmer: Farmers will have to provide proper documentation to support their identification claims. Any given documents can be used to meet this requirement – Aadhar card, ration card, PAN card, voter ID card, etc. The name and address of the farmer will be listed on the document.
Bank account details: A farmer’s insurance money will be transferred directly to his official bank account. Therefore, bank account details must also be provided.
Sowing declaration: It is essential that the farmer inform the appropriate department about the total crop value to acquire the actual investment that he has lost. Sowing declarations contain these details. The production of this paper is essential. By doing so, the authority can obtain an estimated valuation and information regarding the type of crop planted on the land.
Aadhar Card: The news about the necessity of an Aadhar Card has already been established in all facets of Indian society. Therefore, the authority must also provide this unique code for verification and authentication.
Form of application: Finally, all farmers interested in receiving the scheme’s benefits must fill out an application form. Their names are added to the list of beneficiaries if the authority accepts their application.

Pradhan Mantri Fasal Bima Yojana Application Guide (Offline and Online)

Applications can be submitted online or offline. You will have to click on the official website and then download the application form in a PDF format if you prefer the offline mode. Once the download is complete, you need to print out a clear copy of the form.

The details should be filled in, and a photocopy of the authority’s requested documents should be attached. Following this, you must submit the form and wait for the approval. Having learned about the offline application process, it’s time to discuss the online application process. Below are the steps that interested candidates need to follow:

An interested candidate will need to click on the official web link to access the online application form. Once the page has opened, click the link to obtain the application form.
You can access the application form by clicking the “apply as a farmer” link. The form needs to be filled out as soon as it is received. Ensure that all the details are correct.
A candidate must click on the “Submit” link once the form has been completed. The site will generate an application code after you successfully submit the form. You might find it useful during the claim settlement process.

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

How to Claim the Insurance Money Under PMFBY

If a farmer wants to claim insurance money, they need to submit a claim within two weeks of the damage occurring. Besides attaching the required legal documents, some complex figures must be crunched to understand the damage done.

Two variables must be considered: the Actual Yield, the AY, the Threshold Yield, or the TY. The settlement of all claims will be based on this calculation. Farmers must prove the AY is much lower than the TY for the current year. Money will only be given to the farmer under these circumstances.

Claims Payout = (Shortfall in Yield / Threshold Yield) * Sum Insured

To calculate the actual quantity of the Shortfall in Yield, the claim verification agency must subtract the Threshold Yield amount from the Actual Yield. A final decision will be made after the authority performs the necessary calculations. The farmers will need to be prompt in their actions and keep all the documents up-to-date to maximize their chances of receiving insurance money. The correct information must be provided.

Documents Required for Insurance Claim

Claim form
Land records
Information about the insurance company
Certificate of Insurance
Photographs of crop damage
Sowing certificates
Other important forms like premium acknowledgment forms

Risk Converge Under PMFBY scheme

Planting or prevented sowing risks: Without proper rainfall, sown seeds will not germinate. It will directly affect crop production and result in a loss for farmers. A farmer will receive an insurance claim if he has suffered losses or cannot plant seeds due to low rainfall.
Standing harvest risks: It is the period following the planting of the seeds and the harvesting of the ripe crop that is called the standing period of the crop. The policy regulations will incorporate any crop failure caused by unforeseen natural circumstances.
Post-yield risks: The farmers require time to arrange the crop before extracting the final fruit. The time is referred to as the spreading or drying time. If the harvest is damaged due to natural forces within a frame of two weeks, then the government will provide the farmers with insurance money.
Localized mishaps: No one can predict the mood of nature, and neither can anyone predict the extent of the calamity. It so happens that a natural calamity only affects a certain part while the others remain unharmed. Cases like these will also be entitled to get insurance money.

Risk Not Covered Under PMFBY Scheme

Artificial or manmade reasons: If any artificial or manmade reason damages the standing or the harvested crop, then the farmer will not get the insurance money. For example, if the crops are destroyed due to the effects of the war of any nuclear fallout or radiation, then the insurance policy will not cover it.
Mending the damage of stolen crops: The farmer has to prevent the crops from being stolen. If someone sets the entire harvest on fire, that is the farmer’s responsibility. If any human interference and lack of protection have caused damage to be done, it will fall outside the clearance of the insurance policy.
Damages caused by animals: If the harvest is damaged by the action of domesticated or wild animals, the government will not pay for the damages. It is
the farmer’s responsibility to take adequate measures to keep the crops away from the clutches of the animals.

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

Conclusion

To overcome the previous schemes’ deficiencies, provide financial support, and reduce crop losses, the Pradhan Mantri Fasal Bima Yojana (PMFBY) was launched in 2016. The government has contributed the largest amount ever to crop insurance. This crop insurance scheme promotes a “one nation, one scheme” theme throughout Haryana.

How to Apply for Crop Insurance in Haryana