1. Pradhan Mantri Fasal Bima Yojana
Rabi 18 Conference

2. Crop Insurance- Overview Total Farmers Insured No. in lakhs

3. Crop Insurance- Overview Non Loanee Farmers Insured In percentage

4. Crop Insurance- Overview Sum Insured In Rs 000’Crore

5. Crop Insurance- Overview Sum Insured/ha In Rs 000

6. Crop Insurance- Overview Claim Settled Against Actuarial Premium
In percentage

7. 2017-18 State Performance Ranking on 4 Parameters
Top states
Claims settled as % of total claims in Kharif 17. This captures role of State both in terms of timely provision of yield data and subsidy.
Bottom states

8. Revised Operational Guidelines
Penalties/ Incentives for ICs, States, and Banks
eg. For delay in settlement of claims beyond two months of prescribed cut off date, ICs will pay interest rate.
For delay in release of State share of Subsidy beyond three months of prescribed cut off date/submission of requisition by ICs, State Govt. have to pay 12% interest rate
2. Performance evaluation of ICs and their de-empanelment
3. Inclusion of Perennial horticultural crops (on pilot basis) under PMFBY.

9. Revised Operational Guidelines...contd
4. Post Harvest Losses to include hailstorm besides unseasonal and cyclonic rainfall
5. Localized calamities to include cloud burst and natural fire in addition to hailstorm, landslide, and inundation
6. Add on coverage for crop loss due to Attack by wild animals on pilot basis with additional financial liabilities of this provision to be borne by concerned State Govt.
7. Mandatory capturing of Aadhar number for de-duplication

10. Revised Operational Guidelines...contd
8. 10% incremental target for Coverage by ICs especially of Non loanee farmers
9.·Rationalization of premium release process
Beginning of the season - release of Upfront premium subsidy based on 50% of 80% of total share of subsidy of corresponding season of previous year as GOI/State subsidy
Second Installment – balance premium based on approved business statistics on Portal for settlement of claims and
Final installment after reconciliation of entire coverage data on portal based on final business statistics on portal

11. Revised Operational Guidelines...contd
10. Settlement of claims (Prevented sowing/ On account for Mid season adversity / Localised Claims) without waiting for Second installment of subsidy
11. At least 2% of budget for scheme in States for Administrative expenses
12. Broad Activity wise seasonality discipline
13. District wise crop wise crop calendar (for major crops) to decide cut-off date for enrolment.
14. Farmer can change crop name upto 2 days prior to enrolment

12. Revised Operational Guidelines...contd
15. Farmer can intimate individual loss upto 72 hours through any stakeholders and directly on portal
16. SOPs for:
Dispute redressal regarding yield data/crop loss
Claims estimation w.r.t. Add on products
Area Correction factor
Multi picking crops.
17. Publicity and awareness- earmarked expenditure - 0.5% of Gross premium per company per season
18. Use of RST in clustering/Risk classification

13. Seasonality Discipline
All activities strictly as per calendar
Penalties for time overruns
Cut-off date for farmer enrolment advanced by 15 days
District wise crop wise calendar for sowing and harvesting
Auto approval of farmer applications 45 days from cut-off date of enrolment
Satellite based application of Area correction factor - to be applied only for those major crops for which MNCFC releases data
Auto processing of claims within 1 week of receipt of yield data from State govt

14. Setting up of TSU TSU setup with UNDP assistance on 25.06.2018
Includes 11 verticals with 25 Professionals viz - Capacity building, M&E, Actuary, Remote Sensing, IT, Communications, etc

15. Expectations from States
Follow the seasonality discipline in new OGs; non-compliance will lead to penalty
Timely issue and digitization of notification
Digitize historical yield data and actual yield data for previous seasons
Encourage banks/cooperatives to upload farmers’ data on time
Push for 100% CCE through agri app - central govt will reimburse 50% cost of technology device like smartphone; ensure co-witnessing of ICs
Aadhar enrolment for loanee farmers to be completed

16. Expectations from States...contd
Timely release of premium subsidy
2% of state budget to be used for administrative expenses, publicity, technology adoption, setting up State TSUs
Regular awareness, sensitisation, and training programmes
Push to include women farmers and SC/ST farmers
Focus on increasing non-loanee farmers for greater GCA - engage CSCs
Notify more crops to increase GCA
Focus on North-East States and UTs

17. THANK YOU

18. Crop Insurance- Overview Area Insured In Lakh Ha

19. Seasonality Discipline
S.No
Activity
Kharif
Rabi
Action to be taken by 1
Conduct of pre-notification SLCCCI
15 Nov
1 June
States/UTs 2
Uploading of data on crop insurance Portal for Issuing Tender Documents
30 Nov
15 June 3
Tender finalization and award of work
31 Dec 4
Digitization of notification and downloading/ issuance of notification from Portal
31 Jan
1 July
States/UTs/
Concerned ICs 5
Awareness/ sensitization/training programmes
15 march
15 Sep 6
Start of enrolment of farmers for the season(as per crop calendar)
From 1 April
From 1 October
All Stakeholders

20. Seasonality Discipline
S.No
Activity
Kharif
Rabi
Action to be taken by 7
Cut-off date for intimation of change of insured crop by the loanee farmer
2 days prior to cut-off date for debit/collection of premium from farmers
Farmers/banks 8
Cut-off date for receipt of App of farmers/debit of premium from farmer’s account (loanee/non-loanee)
Upto last date of enrolment of farmers as notified by States for notified crop(s) or up to 15th July
Upto last date of enrolment of farmers as notified by States for notified crop(s) or up to 15th Dec
Banks/PACS/CSC/ insurance agent/online enrolment by farmers etc 9
Declaration of Prevented sowing State Govt./ IC
Strictly within 15 days from cut off date for enrolment of farmers i.e by 31st July
Strictly within 15 days from cut off date for enrolment of farmers by 31st Dec
States/ICs 10
In r/o loanee farmers - Remittance of premium along with consolidated Declarations to respective ICs & uploading on Portal by Bank branches, followed by SMS to all insured farmers from Portal
Within 15 days of cut-off date for enrolment of farmers/debit of premium i.e. 31st July
Within 15 days of cut-off date for enrolment of farmers/debit of premium 31st Dec
Banks/Portal

21. Seasonality Discipline
S.No
Activity
Kharif
Rabi
Action to be taken by 11
In r/o of non-loanee farmers - Remittance of farmer premium to ICs by designated insurance Agent(s) & uploading of details on Portal
Within 48 Hours of receipt of application & premium..
Insurance companies and their agents 12
Cut-off date for Insurer to accept or reject the farmer’s data on Portal
In r/o loanees - within 15 days from the cut-off date for uploading of data by Banks i.e 15th Aug for Kharif and 15th Jan for Rabi
In r/o non-loaness - within 30 days from the date of uploading of data by concerned agencies i.e 31st Aug for Kharif and 31st Jan for Rabi
Insurance Companies 13
Cut-off date for carrying out rectification intimated by ICs on Portal
Within 7 days from the date of intimation by ICs
CSCs/Banks/ Intermediary 14
Cut-off date for Insurer to accept the corrected applications
Within 7 days from the date of submission of correction by the Bank/CSC

22. Seasonality Discipline
S.No
Activity
Kharif
Rabi
Action to be taken by 15
Cut-off date to provide Acknowledgement Receipt & Folio to the insured farmer
Within 7 days from acceptance of proposal by concerned Insurance Company on Portal
CSCs/Banks/
Intermediary 16
Cut off date for cleaning of data/information and auto approval of risks/application of insured farmers on crop insurance on Portal
45 days from the cut off date for enrolment/debit of premium from farmers i.e. 31st August for - Kharif and 31st January-Rabi seasons
Insurance companies/ crop insurance Portal 17
Release of advance upfront premium subsidy i.e. 50% of 80% of respective share of Centre/State in corresponding previous season
Within 15 days of cut-off date of enrolment of farmers i.e. 31st July
Within 15 days of cut-off date of enrolment of farmers i.e 31st Dec
GoI & State Govts./UTs 18
Training and registration of field level workers on conduct/reporting of CCEs
Upto 15th August
Upto 15th January
Field Functionaries/ State/District Level Nodal Officer

23. Seasonality Discipline
S.No
Activity
Kharif
Rabi
Action to be taken by 19
Registration of mobile number of representative of ICs for co-witnessing of CCEs
Upto 31st August.
State may fix earlier dates for early Kh Crops
Upto 30th Jan.
State may fix earlier dates for early Rabi crops
Insurance Companies 20
a) Uploading of tentative schedule for conduct of CCEs .
b) Confirmation of the CCEs
At least 7 days before tentative date for conducting CCEs
Via SMS on one day notice through CCE app
Concerned Department of States to incorporate the same in Notification 21
Timeline for lodging online complaint about faulty CCEs data
By 5 pm on the day following conduct of CCEs 22
For Area Correction/Reduction Factor(ACF/ARF) - Crop wise, Block/Tehsil wise sown area data for major crops to be provided by/through MNCFC
Before harvesting period
MNCFC 23
Approval of district wise crop wise Actual yield data and uploading on Portal
Within one month of completion of CCEs from notified district wise crop wise specific cut off dates
States/UTs

24. Seasonality Discipline
S.No
Activity
Kharif
Rabi
Action to be taken by 24
Cut-off date for intimation/ reconciliation/ clarification of any deficiency in Actual Yield data
Within 7 days from the date of uploading CCE Data from State Department, if any
Insurance Companies/ flagged on Portal 25
Cut off date for clarification sought by ICs/ flagged on Portal
Within 7 days of clarification sought by ICs/ flagged on Portal
State Govt 26
Release of second instalment of Govt. subsidy –
On finalization of tentative business statistics after 15 days of auto approval of applications on portal
GOI/States 27
Auto processing of Claims based on yield data
Within one week from receipt of final/approved yield data from State Govt.
GoI/ Portal 28
Sharing of detailed information of claims with bank branches & other Stakeholders from crop insurance Portal
Within 7 days of approval of claims by ICS
Portal/ Insurance Companies

25. Seasonality Discipline
S.No
Activity
Kharif
Rabi
Action to be taken by 29
Timelines for Payment of claims
Within two week from calculation of claims
Insurance Companies 30
Payment of final government subsidy
On finalisation of business statistics on portal 31
Reconciliation of claim amount by concerned bank branches for loanee farmers disbursed either through Banks or directly to beneficiary accounts/ DBT
In case of Non Loanees, reconciliation of claims , if required, to be done by enrolling agencies in consultation with concerned bank
Within a week after receipt of claims
Banks/Farmers