How to Apply for Crop Insurance in Tamil Nadu

Crop insurance compensates farmers for losses due to production problems based on their yields. Cyclonic rains and rainfall deficits can cause pre-sowing and post-harvest losses. Farmers’ income is affected by these losses because crop yields are reduced. As part of the Pradhan Mantri Fasal Bima Yojna, crop insurance is available in India.

In 2022-23, the Tamilnadu state crop insurance scheme will continue to cover farmers against crop loss due to natural calamities. Participants in the Crop Insurance Fund contribute registration fees, premiums, and government contributions. The scheme is slated for a budget of 3000.00 lahks in 2022-23.

How to Apply for Crop Insurance in Tamil Nadu

Eligibility Criteria for Crop Insurance

Sharecroppers and tenant farmers can get crop insurance if they grow the notified crops in the area.
Land documents need to be provided by non-loanee farmers to qualify for crop insurance benefits
Two other categories of perks are outlined for farmers. These are also called Types of Components, and they include:

Compulsory Component: Seasonal Agriculture Operations (SAO) credit or loans from a financial institution will be covered compulsorily if farmers apply for them for the notified crops
Voluntary Component: Those farmers who do not borrow money can purchase crop insurance. The government offers several benefits for those who wish to register and take advantage of them

Application Procedure to get Crop Insurance in Tamilnadu

Apply In-Person

The Tamilnadu crop insurance scheme (WBCIS) application form is available through the agriculture department or the Tahsildar Office.
An application form for a crop insurance scheme (WBCIS) is obtained from the agriculture department or the tahsildar office.
All information must be entered in the application form by the applicant.
The applicant must carry all documents listed under “Required Documents” section of this page. Both photocopies and originals are required.
When submitting the application form at the office, the applicant should attach photocopies of documents (if necessary).
As per the authority’s request, this procedure requires payment of a fee.
The applicant will receive crop insurance if they follow all the abovementioned procedures.
There is generally a 30-45 day processing time for this procedure.
After receiving notification, the applicant can visit the office to collect their insurance.

Apply Online

If you would like to apply for crop insurance online, please visit: www.pmfby.gov.in
The “Farmer Corner” icon can be found on the homepage.
The “Login for Farmer” button allows you to log in with your mobile number if you are already a registered member. Click the “Guest Farmer” button if you are not a farmer.
Please complete the “Register for New Farmer User” application form.
Once you are finished, click “Create User” after entering the CAPTCHA.
Fill in all the details asked on the page and click the “Next” button afterward.
Click the “Next” button after entering your “Bank Details.”
All necessary documents should be uploaded to the “Crop Details” page.
Once all the details have been entered, click “Submit” to complete the registration process.
The payment page will appear. Enter your card details, and click the “Make Payment” button.
The registration will be completed once the payment has been made.
In the event of successful registration, you will be notified via SMS and email, and your credentials will be sent to you.

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Please return to the homepage once you have registered.
The “Farmer Corner” icon can be accessed by clicking the “Login for Farmer” button.
On the next page, enter your mobile number, the CAPTCHA, and click “Request or OTP.”
Fill in and submit the application for crop insurance scheme after entering the OTP.
Your receipt number will be emailed to you once your application has been submitted.
The same link can be used to check the status of your application.
Click on “Application Status” on the homepage.
Click the “Check Status” button after entering the “Receipt Number” and “Captcha Code.” Your application status will be displayed.

Crop Insurance Claim Process

It is possible to process the claim in two ways: Wide Spread Calamities and Local Calamities,
A claim settlement would be negotiated with the government once the company received actual yield data. The policyholder would not need to provide any information regarding the claim settlement.
When there is a local mishap, the insured (i.e., the farmer) must notify the company within 24 hours of the event. You can either do this through a financial institution or directly.

Documents Required For Crop Insurance Claim Process

Duly completed claim form
Land Registration Papers or Land Patta Number
Land Ownership Documents
Aadhar Card
Personal Identification Proof like ration cards, PAN Cards, and voter card
Bank Account Details
Sowing Declaration
Claim Reimbursement Form or the Application Form

Time Taken to Settle Crop Insurance Claims and Renewal Process in Crop Insurance

If all the required documents have been submitted to the insurance company, the claim will usually be settled within 30-45 days before the end of the risk period for seasonal crops. It is necessary for this insured to renew their crop insurance policy either online or in person. It is also important to ensure that the premium is paid before the expiration date

Exclusions in Crop Insurance

An exclusion is a situation not covered by the insurance policy or not eligible for a claim. If a loss occurs due to the following conditions, an insurance company is not liable to pay:

Losses resulting from war and nuclear risks
A farmer’s negligence or that of their workforce can result in serious damage and other preventable risks.
An order from a public authority to burn the crop
Birds or animals causing damage
Radiation from nuclear waste or ionizing radiation
Before threshing, harvested crops are bundled and heaped

Insurance Companies Offering Crop Insurance In India

Tata AIG General Insurance
IFFCO-Tokio General Insurance
SBI General Insurance
Reliance General Insurance
Bajaj Allianz General Insurance

Advantages of Crop Insurance

Covers crop losses and damage resulting from unforeseen events by providing financial support to farmers
Farmers are entitled to a tax exemption on the premiums they pay for crop insurance
Farmers would save money by not having to take out high-interest loans from private lenders
Encourages farmers to adopt innovative and modern agriculture practices to increase their income
Farmers will be able to repay loans with the reimbursements they receive from crop insurance, thus strengthening the economy of the country

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Conclusion

In the event of crop loss, the government has planned to compensate farmers through the State Disaster Response Fund. Among the reasons cited for omitting the kuruvai crop are the low probability of crop failure and the cost factor. Besides, the tender process consumed nearly one-and-a-half months, involving a re-tender. As in the previous year, the authorities expect the enrolment of around 25 lakh farmers and coverage of 40 lakh acres.

How to Apply for Crop Insurance in Tamil Nadu