PMFBY: What is Pradhan Mantri Fasal Bima Yojana, how to get its benefits, farmers can apply like this before July 31

 PM Fasal Bima Yojana: In order to claim the Pradhan Mantri Fasal Bima Yojana, the farmers first have to inform the agriculture department about crop failure within 72 hours. After this the application has to be made.

Even today, most of the farmers of the country are dependent on rain water. Sometimes there is a danger of crop failure due to sudden heavy rains, sometimes due to drought or any other natural calamity. Pradhan Mantri Fasal Bima Yojana (PMFBY) has been started to save farmers from financial losses due to these uncertainties.

It seems that

the farmer gets the facility of getting his crop insured by paying very little money under the Pradhan Mantri Fasal Bima Yojana. Under insurance coverage, if the insured crop is destroyed, then the insurance company is responsible for its full compensation. Food crops (cereals, millets and pulses), oilseeds and annual commercial/annual horticultural crops are covered under this insurance. Under Pradhan Mantri Fasal Bima Yojana, farmers have to pay less premium. The amount of insurance premium on the farmers is borne by the central and state governments. In the initial days of Pradhan Mantri Fasal Bima Yojana, it was made mandatory for all farmers, but later this rule was removed. Now farmers can get insurance under this scheme on their own free will. Appeal to avail benefits The last date for registration in Pradhan Mantri Fasal Bima Yojana is 31 July 2023. In such a situation, an appeal is being made by the Agriculture Department to more and more farmers to take advantage of this scheme. The officials of the Agriculture Department said that it is very important to have crop insurance to protect the crops from risks. In order to provide security to the crops, the Central Government's Pradhan Mantri Fasal Bima Yojana and Restructured Weather Based Crop Insurance Scheme provide protection against the risks faced by the Kharif crop in the country. According to the Ministry of Agriculture, any farmer in the country can avoid the possible financial loss to the crops by contacting the officials of the agriculture department of their districts or by getting information about the state notification and getting the registration done before the last date of the scheme.

How to apply

You can register on the official website of Pradhan Mantri Fasal Bima Yojana pmfby.gov.in. Apart from this, farmers can get insurance of any bank to apply under Pradhan Mantri Fasal Bima Yojana. For this, they just have to go to the bank and fill a form and then the crops are insured. If the farmers already have any kind of loan or credit card, then they can get insurance under Pradhan Mantri Fasal Bima Yojana from that bank itself. Farmers can take help of their nearest Jan Seva Kendra, PMFBY website, post office and insurance intermediary (AIDE app) for application under Pradhan Mantri Fasal Bima Yojana. If farmers want, they can also take help of Farmers Call Center (1551).

Keep these documents ready

for registration under Pradhan Mantri Fasal Bima Yojana, copy of Kisan Bhai Aadhaar card, copy of first page of bank passbook, land rights document and other mandatory documents declared by the state government should be prepared properly and easily. Get your crops insured from

These losses are compensated

1. Post-harvest losses: Those crops, which are kept in the field to dry after harvesting, such produce is vulnerable to hailstorm, cyclone, and unseasonal rains for a maximum period of 2 weeks after harvesting. Will get protection against for loss.

2. Disrupted Sowing: Covers against loss of sowing, planting/germination due to scanty rainfall, adverse weather conditions in the insured area.

3. Standing crop (from sowing to harvesting): From sowing to harvesting, protection will be given against yield loss due to drought, flood, storm due to natural causes, fire, storm and cyclone.

4. Local Calamity: Covers against loss of notified crops to the insured crops due to identified local calamities such as water-logging, landslides, hailstorm, cloudburst, natural fire in the notified areas. 5. Outbreak of Pests and Diseases: Protection against yield loss caused by pests and diseases harmful to the crops.

How to get insurance claim

In order to claim the Pradhan Mantri Fasal Bima Yojana, farmers have to first inform the agriculture department about crop failure within 72 hours. After this the application has to be made. The reason for crop damage, which crop was sown, the area in which the crop has been damaged, all these details have to be given in the form. Information related to land also has to be given. Apart from this, a photocopy of the insurance policy is required. After a few days of applying, the representatives of the insurance company and the employees of the Agriculture Department inspect the farm and assess the damage and if everything is found correct, the full insurance claim is deposited in the bank account of the farmer.

To make the process of claim and compensation in crop insurance schemes more transparent and simple, a technology-based system named Digi Claim

has been developed. Under this, processes like settlement of claims and distribution of compensation have become easier. Through this process, the farmers get compensation for crop loss soon. In March 2023, claims worth more than Rs 1200 crore have been paid to farmers in a single day through Digiclaim.

News is originally taken from: https://bit.ly/456AtKH

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