How to Apply for Crop Insurance in Madhya Pradesh

Apart from PMFBY, Madhya Pradesh also had a separate crop insurance scheme for chilli, cotton, and tomato. It was implemented by the government-owned Agricultural Insurance Company, which was the implementing agency for the National Crop Insurance Scheme. In that scheme, farmers were required to pay 50 percent of the insurance premium. A crop insurance policy offers small and marginal farmers a crop guarantee.

How to Apply for Crop Insurance in Madhya Pradesh

How Government Support and Implement PMFBY in Madhya Pradesh

According to the local conditions, private and government insurance players fix crop premiums and other monetary guidelines. Bidding is used throughout the entire process. Until the state government stopped paying the premium, Madhya Pradesh’s banks directly deducted the premium from farmers’ loans. Banks paid this premium to insurance companies, both private and public.

Premiums for the five seasons combined amount to Rs.2362 crores, including the farmer’s share of Rs. 453 crores and the state and federal government’s subsidy of Rs. 1909 crores. The Kharif 18 and Rabi 18 claims are currently under processing. Still, the first three seasons have been closed with a gross premium amount of Rs.1804 crores collected from 35,22,616 farmers, and claims of Rs.1703 crores were paid, resulting in the benefit of 17,66,455 farmers, almost 50% of all farmers insured.

Application Procedure to Get Crop Insurance in Madhya Pradesh

Apply In-Person

An application form for the crop insurance scheme (WBCIS) is available at the Madhya Pradesh agriculture department or the Tahsildar office.
The crop insurance scheme (WBCIS) application forms are obtained from the agriculture department or the tahsildar office.
Application forms must be filled out completely by applicants.
Please ensure you carry all the required documents in the “Required Documents” section. It is important to have both photocopies and originals.
While suapplyingthe applicant should include photocopies of all necessary documents (whichever is necessary) and the application form.
A fee must be paid according to the authority’s request for this procedure.
Applicants will be provided crop insurance if they follow the abovementioned procedures.
Generally, this process takes 30-45 days to complete.
When the applicant receives the notification of their insurance, they can collect it by visiting the office.

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

Apply Online

Online crop insurance applications can be made by clicking the link: www.pmfby.gov.in.
Please click the icon “Farmer Corner” on the homepage.
If you’re already a member, click “Login for Farmer” and enter your mobile number. The “Guest Farmer” button will appear if you do not already have an account.
The application form for “Register for New Farmer User” must be filled out completely.
Click “Create User” once you have entered the CAPTCHA.
Please follow the prompts on the page, fill in all the required information, and click “Next.”
Click the “Next” button after entering your “Bank Details.”.
The “Crop Details” page should be filled out and all necessary documents uploaded.
Then click “Submit” to complete registration.
Upon opening the payment page, enter the card information and click “Make Payment.”
The registration process will be done after the payment is received.
If your registration is successful, you will be notified via SMS and email and will receive your credentials.
After registering, return to the homepage: Link.
Log in by clicking the “Farmer Corner” icon and then the “Login for Farmer” button.
The next page will ask for your mobile phone number and the CAPTCHA. Click “Request or OTP.”.
The crop insurance application should be completed and submitted after entering the OTP.
A receipt number will be emailed once your application has been submitted.
The status of your application can be found by visiting the same link:
You can check your application status on the homepage by clicking the “Application Status” icon.
Click on the “Check Status” button after entering the “Receipt Number” and “Captcha Code.” A status screen will appear.

Required Documents

ID proof(Aadhaar card)
Application form
Applicable contract
Bank account book number with proof
Address proof(Ration card/Rental agreement)
Evidence of land records prevailing in the state (Records of Right (ROR)
Sowing information
Agreement details
Land possession certificate(LPC)
Other documents notified
Permit by concerned state Govt

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

How to Intimate the Claim Crop Insurance

Risks Covered: Prevented Sowing/ Planting / Germination Risk
Provision of Indemnity/Claim: Prevented from planting/germination (Area Based) sowing/
Intimation of Loss: Applicable on area-based approach. The individual farmer need not be intimate. Loss to be estimated by state government based on the proxy indicators etc

Risks Covered: Mid-Season Adversity
Provision of Indemnity/Claim: 25% of likely claims as ad-hoc payments. (Area-Based)
Intimation of Loss: Applicable on area-based approach. The individual farmer need not be intimate. Loss to be estimated by state government based on the proxy indicators etc

Risks Covered: Post-Harvest Losses
Provision of Indemnity/Claim: Crops that require drying in cut and small bundled conditions after harvesting against perils such as hailstorms, cyclones, cyclonic rains, and unseasonal rains are allowed a maximum of two weeks from harvesting.
Intimation of Loss: To assess yield loss damage, a farmer/designated agency must lodge loss information regarding local calamities and post-harvest losses. The farmer may notify the insurance company, the bank, the local agriculture department, or the government within 72 hours. The National Crop Insurance Portal or District Officials can assist you, as well as our toll-free number (1800 200 7710). Registration with the insurance company will take an additional 24 hours

Risks Covered: Localized Calamities
Provision of Indemnity/Claim: Loss/damage due to identified localized risks of Hailstorm, Landslides, Inundation, Cloud bursts, and Natural fire due to lightening affecting isolated fields in the notified area
Intimation of Loss: To assess yield loss damage, a farmer/designated agency must lodge loss information regarding local calamities and post-harvest losses. The farmer may notify the insurance company, the bank, the local agriculture department, or the government within 72 hours. The National Crop Insurance Portal or District Officials can assist you, as well as our toll-free number (1800 200 7710). Registration with the insurance company will take an additional 24 hours

Conclusion

Agriculture is the source of the livelihood of the majority of its people, and crop insurance occupies an important place. There are various models of agricultural insurance, such as area-based crop yield insurance, rainfall insurance, farmer’s income insurance, and weather-based insurance. Regarding the area insured, Madhya Pradesh occupies the major share, followed by Andhra Pradesh and Maharashtra. Uttar Pradesh, Odisha, Gujarat, Rajasthan, Karnataka, and Chhattisgarh contribute to a 6-8 percent share each in the total area insured in India.

How to Apply for Crop Insurance in Madhya Pradesh