If your crop has been damaged due to rain, then you can claim for insurance like this

PM Fasal Bima Yojana: Many times, due to heavy rains, storms, storms across the country, the crops of the farmers get spoiled. Farmers are facing a lot of trouble due to the destruction of crops due to natural calamity.

what is insurance plan

In view of this problem of the farmers, the Central Government has started the Pradhan Mantri Fasal Bima Yojana. Under this scheme, the farmer can get his crop insured by paying very little money. After the loss of the insured crop, the insurance company compensates for its loss. Initially, the central government had made it mandatory for farmers taking loans from banks to insure their crops. But now it is up to the will of the farmer whether he should insure his crop or not. Most of the farmers insure their crops.

Do crop insurance like this

It is quite easy to get crop insurance under PM Kisan Fasal Bima Yojana. Farmers who have made Kisan Credit Card or have taken any other agricultural loan, then they can get their crop insured from the same bank. They don’t have to do much. Just a form has to be filled in the bank. The bank has the farmer’s land and other documents, so it is easily insured. Those farmers who have not taken loan can also get this insurance from any bank.

Claim your bad crop like this

Under the Pradhan Mantri Fasal Bima Yojana, the farmer gets insurance claim in two ways. First, when the crop is destroyed due to natural calamity and second, when the crop is less on average basis. When the crop is less on average basis, the insurance company automatically puts money in the account of the farmer. The farmer does not need to apply anywhere.

Information to be given when

At the same time, the farmer needs to apply if the crop is destroyed due to natural calamity. Within 72 hours of crop failure, the agriculture department has to inform about the crop failure. A form has to be filled. In this, the reason for the crop failure, which crop has been sown and in how much area the crop has been sown, in which village the field is, as well as information related to the land has to be given.

Take an insurance policy

Let us tell you that photocopy of crop insurance policy is also to be attached with this form. Insurance policy is given by the bank from where the insurance is taken. After some time, the representatives of the insurance company and the employees of the Agriculture Department inspect the field and assess the damage. The sum insured is decided on the basis of After some time, the insurance amount is put in the account of the farmer.

Will get claim like this

Under the Prime Minister Crop Insurance Scheme, the insurance amount is different for different crops. The maximum amount that can be received is Rs 36,282 for cotton crop, Rs 37,484 for paddy crop, Rs 17,639 for bajra crop, Rs 18,742 for maize crop and Rs 16,497 per acre for moong crop.

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