If your crop has been damaged due to rain or any natural disaster, then do not panic. The PM Crop Insurance Scheme of the Central Government is a great support for you. Through this scheme, financial assistance is given to the farmers, so that they can compensate for the loss caused by natural disasters. Recently, Union Agriculture Minister Shivraj Singh Chouhan and Rajasthan Chief Minister Bhajanlal Sharma sent insurance amounts to the accounts of more than 35 lakh farmers by pressing a button, which has given them great relief.

What is the PM Crop Insurance Scheme, and who got the benefit

The purpose of the PM Crop Insurance Scheme is to protect farmers from crop damage due to heavy rains, floods, drought, or other natural disasters. Farmers who had insured the Rabi (winter) crop and claimed after the loss have received money directly into their accounts. More than 35,000 farmers of Rajasthan participated in this program, while farmers from 23 states of the country were also connected to it virtually.

What is the premium for crop insurance?

The crop insurance premiums are quite low in all the states. However, in some states (such as Himachal Pradesh, Jammu and Kashmir, and northeastern states), farmers do not have to pay any premium. In other places, farmers have to pay premiums according to the type of crop:

  • For Kharif crops (paddy, maize, etc.), the premium is 2% of the sum insured.
  • For Rabi crops (wheat, gram, etc.), the premium is 1.5%.
  • While for commercial and horticultural crops, the maximum premium is 5%.
  • The rest of the premium is paid by the central and state governments together.

How to report crop loss

If your crop is damaged due to a natural calamity, then under the PM Fasal Bima Yojana, you have to inform the insurance company within 72 hours. The insurance company will visit your farm and assess the damage, after which the compensation amount will be sent to your account.

How to check the status of your crop insurance claim

It is very easy to know whether the insurance amount has come to your account or not. Follow these easy steps:

First of all, go to the official website of PMFBY.

On the home page, click on the ‘Farmer Corner’ option.

Log in by entering your registered mobile number and the captcha code. Enter the OTP received on your number.

Now click on ‘Kisan Claim Status’ or ‘Application Status’.

Carefully fill in the required information like policy number, Aadhaar number, etc.

Now the status of your claim will be visible to you.

How to avail the crop insurance scheme

To avail the benefits of the Kisan Bima Yojana, you can apply both online and offline.

Online application: You can apply by visiting the official website of the PM Crop Insurance Scheme, pmfby.gov.in.

Offline application: You can also apply by visiting your nearest bank, cooperative society, or CSC (Common Service Center).

Keep in mind, it is necessary to apply for insurance within 10 days of sowing the crop; only then will your crop be considered eligible for insurance.