फसल बीमा

India's villages are the foundation of economic development and the Indian agriculture industry is an important part of the country's economy. Millions of families depend on and are responsible for Indian agriculture. Crop insurance plays an important role in helping farmers ensure the results of their hard work. We will discuss the importance of crop insurance and its benefits for farmers.

What is crop insurance? 

Crop insurance is a type of insurance that helps farmers protect their crops from irregular weather conditions. It gives farmers an opportunity to reduce their costs and ensure their income. Crop insurance schemes are run by the government, and they provide financial assistance to farmers in case of crop loss.

Agricultural Insurance Corporation

Crop Insurance Corporation is an important organization for the safety of farmers and protection of their farming in India. It is established by the government and works to protect the farmers of India from various types of natural disasters and extenuating circumstances. The main objective of Agricultural Insurance Corporation is to free the farmers from losses on their farming costs. This government scheme provides the facility to farmers to get insurance for their crops so that they can run their farming self-reliantly. For more information visit: www.aicofindia.com

https://policyholder.gov.in/crop-insurance , www.pmfby.gov.in and https://irdai.gov.in The Insurance Regulatory and Development Authority of India (IRDAI) has a major role in the development and regulation of the insurance sector, including crop insurance, in India. There are various schemes under Agricultural Insurance Corporation, such as Pradhan Mantri Fasal Bima Yojana (PMFBY), National Agricultural Insurance Scheme (NAIS), and Met Agricultural Insurance Scheme (MNAIS) etc. Under these schemes, farmers can get their crops insured to protect them from various natural calamities such as floods, drought, snowfall, rain, diseases, pests etc.

Benefits of crop insurance

Investment Protection: Crop insurance provides farmers with protection of their investments. When a farmer insures his crops, he is protected against losses caused by irregular weather conditions. This strengthens the economic condition of farmers and gives them self-support to invest. 

Also read: Farmers in UP are less interested in crop insurance

Security of farmers' income: Crop insurance provides farmers with security of their main income source. If a farmer's crop suffers any kind of damage, then crop insurance provides him financial help. With this the farmer can ensure the financial security of his family.

Increase in agricultural production: Provision of crop insurance makes farmers feel more secure and gives them courage to increase agricultural production. When farmers are sure that their hard work is not going to result in crop loss, they are more enthusiastic and try to produce more.

Improvement of Agricultural Literature: Crop insurance improves the economic condition of farmers and makes them more structured towards more education and literary development. As a result, the level of agricultural literature also increases and farmers have more knowledge, which also improves their agricultural production.

Social Security: Farmers also get a sense of social security through crop insurance. If there is any loss in the farmer's crop, he does not need to face much social conditions. He is able to support his family and can help other members of the society.

Also read: Farmers can avail the benefits of crop insurance scheme

Suggestions and technical assistance: Crop insurance schemes give farmers a chance to do farming with new techniques and better technologies. Government and insurance companies often provide suggestions and technical assistance to farmers for better farming, which makes farmers more excited and aware.

Savings and investment opportunity: Crop insurance provides farmers with security for their savings and investments. When a farmer gets his crops insured, he gets a chance to strengthen his economic structure. With this, the farmer can invest and save more to improve his economic condition.

Farming without stress: With crop insurance, the farmer can do farming without stress. When their crops are protected by insurance, they can do farming without worrying about weather conditions. This reduces the mental pressure of the farmer and he can work more efficiently.

Many schemes are being run by the Central Government for the benefit of farmers. The objective of these schemes is to uplift the farmers economically as well as to overcome the challenges faced during farming. Various schemes are being run by the Central Government for farmers. Farmers get various types of support through these schemes. What are those schemes which support farmers financially? Along with this, they also help in other tasks related to farming.

PM Kisan Saman Nidhi Yojna

Under PM Kisan Samman Nidhi Yojana, 6 thousand rupees are provided to the farmers of India every year. Under this scheme, these rupees are transferred to the farmers in four installments. This means that this amount is made available to the farmers in three different installments of Rs 2 thousand each. If you want to take advantage of this scheme, then do not make any mistake while applying. For more information related to the scheme, farmers can contact PM Kisan Yojana helpline number 155261 or 1800115526 or 011-23381092.

Also read: 81000 beneficiaries were removed from the list of PM Kisan Samman Nidhi Yojna

PM Kisan Maandhan Yojana

Under the PM Kisan Maandhan Yojana issued by the Central Government, the government is providing a pension of Rs 3,000 per month to the farmers. Only farmers between 18 to 40 years of age are eligible to apply to avail the benefits of this scheme. When farmers reach 60 years of age, a pension of Rs 3,000 per month is sent to their account.

Prime Minister Crop Insurance Scheme

Under the Pradhan Mantri Fasal Bima Yojana, financial security is provided to farmers against crop damage due to natural disasters, pests and diseases. Under the scheme, farmers have to pay a premium, on which the government gives subsidy. The central and state governments share the premium subsidy for non-subsidized crops in the ratio of 50:50. At the same time, the central government provides higher subsidy share for subsidized crops.

Farmers currently get the benefit of insurance coverage for their crops under the Prime Minister Crop Insurance Scheme. Also, farmers can get the benefit of insurance coverage for ponds, tractors, cattle, etc. under this scheme.

The central government is preparing to give a new gift to the farmers of India. According to media reports, efforts are being made by the Central Government to increase the benefits provided to farmers under the Prime Minister Crop Insurance Scheme. Because of this, farmers are likely to get relief soon. For information, let us tell you that under the Prime Minister Crop Insurance Scheme, currently, farmers get the benefit of insurance coverage for their crops. Modi government is currently making preparations to increase the scope of this insurance scheme. In the next few days, farmers can get the benefit of insurance coverage for ponds, tractors cattle, etc. under this scheme.

Positive Improvements in Prime Minister Crop Insurance Scheme

The central government led by PM Narendra Modi is soon preparing to give a special gift to the farmers across the country. News agency PTI has made this claim through government officials. For your information, let us tell you that it has been said in the report that the Central Government is trying to expand the scope of profits beyond crops under the Prime Minister Crop Insurance Scheme. Under this, preparations are underway to bring properties like ponds, tractors, cattle, palm trees, etc. under the crop insurance scheme.

Also read: Crop insurance and its benefits for farmers

Possibility of giving a new look to the portal

The Central Government may redesign the Pradhan Mantri Fasal Bima Yojana portal to expand the scope of the PM Crop Insurance Scheme. Pradhan Mantri Fasal Bima Yojana portal can be developed as a comprehensive platform. This will enable farmers to benefit from insurance coverage on assets other than crops. The government can easily make a provision of Rs 30 thousand crore for this.

Also read: Important Schemes Being Run by the Government in the Interest of Farmers

Farmers can get help from this app

Let us tell you that according to the report, this campaign of PMFBY can be further developed through AIDA. The AIDA app was launched in July this year. Under this app, registration of people will be done from door to door, so that PMFBY can be made more accessible to the farmers. Through this app, insurance intermediaries will not only be able to enroll farmers for crop insurance but will also be able to provide benefits of non-subsidy schemes to 4 crore farmers.

Explain that flood is the biggest problem in our region. We locals are cultivating according to climate change. However, there are severe floods and winds, which affect our crops a lot. Also, insects in crops are also normal. The PM crop insurance scheme is the best option for crop insurance. Farmer Vijayavan has this insurance since 2019. The Pradhan Mantri Crop Insurance Scheme is providing us with strength and strength.

What is Prime Minister Crop Insurance Scheme

The Pradhan Mantri Crop Insurance Scheme is a government insurance scheme run by the Central Government for farmers. This scheme is for preserving farmers from natural disasters such as floods, hailstorms, droughts, pests and diseases.

Necessary documents to avail the scheme

To avail the benefit of the Pradhan Mantri Crop Insurance Scheme, you have the requirement of Aadhaar card, ration card, land lease, bank account passbook, proof of crop failure etc.

How to apply for PM crop insurance scheme

To apply for the Pradhan Mantri Crop Insurance Scheme, first visit the Kisan Bhai official website. After this, click on the farmer corner on the homepage. Now farmers enter their mobile number and login. After this, farmers should enter all the necessary details name, address, age, state etc.  Finally the farmer  can click on the submit button.

Farmers can complete the process given here to take advantage of the Pradhan Mantri Crop Insurance Scheme. Here the necessary documents have been told, with the help of which farmers can benefit from the scheme.

A lot of schemes are being run by the government, from which farmers are benefiting greatly. One of these schemes is named after the Pradhan Mantri Crop Insurance Scheme (PMFBY). Through this scheme, farmers are provided insurance cover against damage to standing crops. The premium of insurance cover for rabi crops under the scheme is 1.5% percent. Also, the government provides a 50% percent grant, which means that farmers have to pay only a 0.75% percent premium. Currently crop insurance week is going on. Farmers should insure crops quickly to take cover.

Let's Know which damage is covered in it

Dry

flood

Hailstorm

hurricane

Insect

Diseases

What will be the benefit that farmers can get 

Under this, financial security is provided to farmers against the loss of standing crops. Also, it helps farmers to maintain their income and continue farming. In addition, it helps in making farmers self -sufficient.

Necessary documents for crop insurance

Crop Insurance Application Form

Crop sowing certificate

Farm map

Copy of farm measles or B-1

Aadhar card

Bank account details or passbook

Passport Size Photo

What is the process of application

Step 1: First candidate should visit the official website of Pradhan Mantri Crop Insurance Scheme https://pmfby.gov.in/.

Step 2: After this, candidates should register on the home page.

Step 3: Then after completing the registration of the farmer brother, it is to choose the option of Apply as a farmer.

Step 4: After this an online form will be found, where all the information sought will have to be filled properly.

Step 5: Now perform a preview after filling the form, so that the mistakes can be detected.

Step 6: Then the form is filled properly, then attach the document and submit it.