Question : Implementation of Pradhan Mantri Fasal Bima Yojana

(a) whether the Pradhan Mantri Fasal Bima Yojana is being implemented in the country, if so, the details thereof including the date of launching of the Yojana and the details of the States which are implementing the Yojana;

(b) the details of the farmers covered under the Yojana since its inception, State-wise and cropping season-wise and the premium collected from the farmers;

(c) the details of the premium collected by public sector insurance companies and private sector insurance companies since the inception of the Yojana, year-wise, State-wise, season-wise and company-wise;

(d) the details of compensation paid by public sector insurance companies and private sector insurance companies since the inception of the Yojana, year-wise, State-wise, season-wise and company-wise; and

(e) whether the Government has received representations from farmers regarding irregularities in claim disbursements under the Yojana, if so, the details thereof along with the corrective steps taken by the Government in this regard?

MINISTER OF STATE IN THE MINISTRY OF AGRICULTURE AND FARMERS WELFARE

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(a) & (b): Yes, Madam. Keeping in view the welfare of farmers and to protect them against consequences of crop failure Government of India launched the new improved crop insurance schemes of Pradhan Mantri Fasal Bima Yojana (PMFBY) and Restructured Weather Based Crop Insurance Scheme (RWBCIS) from April, 2016. PMFBY provides for comprehensive risk insurance cover from pre-sowing to post-harvest and covers yield loss due to non-preventable natural risks viz. natural fire and lightening; storm, hailstorm, cyclone, typhoon, tempest, hurricane, tornado etc.; flood, inundation and landslide; drought, dry spells; pests/ diseases etc.
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On the other hand, RWBCIS provides insurance protection/claims to the farmers against adverse weather/climatic incidence, such as deficit and excess rainfall, high or low temperature, humidity etc. which are deemed to impact adversely the crop production. To make the scheme simple and affordable, one flat premium rate is charged from the farmer i.e. maximum 1.5% for Rabi, 2% for Kharif food and oilseed crops and 5% for annual commercial/horticultural crops, the balance of actuarial/ bidded premium is shared by the Centre and State on equal basis.

State-wise/season-wise details of farmers covered under the scheme during Kharif 2016 and Rabi 2016-17 seasons are given in Annexure-I.

(c) & (d): State-wise/Season-wise details of premium collected and claims paid by Public and Private Sector insurance companies under PMFBY during 2016-17 are given in Annexure-II and claims paid State-wise, season-wise and company-wise are at Annexure-III.
(e): During implementation of the scheme some complaints about non-payment, delayed payment and under payment of claims on account of incomplete data from farmers, incorrect/delayed submission of insurance proposals by banks, discrepancy in yield data, unrealistic assessment of crop loss, delay in providing Government share of funds etc., have been received. As far as possible, all the complaints are being simultaneously addressed by the Insurer and the Government.