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Agricultural Insurance-Maharashtra – Kisan Suvidha
8640
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Agricultural Insurance-Maharashtra

Agricultural Insurance-Maharashtra

What to do?

  • Safeguard yourself financially against non-preventable natural risks like natural disasters/calamity, insect, pests & diseases, and adverse weather conditions.
  • Take benefit of appropriate crop insurance scheme applicable in your area. Four insurance schemes are being implemented namely, National Agricultural Insurance Scheme (25 States/2UTs), Modified National Agricultural Insurance Scheme (50 districts in 21 States), Weather Based Crop Insurance Scheme (21 States) and Coconut Palm Insurance Scheme (8 States).
  • Insurance coverage under NAIS/MNAIS/WBCIS is compulsory if you avail crop loan for notified crops. Coverage is voluntary for non-loanee farmers. Contact the nearest branch of bank/insurance company for availing the benefits under the Crop Insurance Scheme.

S.No

Scheme

Quantum of assistance

1

National Agriculture Insurance Scheme (NAIS)

 

  • Insurance protection for notified food crops, oilseeds and annual horticultural/commercial crops.
  • Premium rate of 1.5 to 3.5 percent for cereals & oilseeds crops and actuarial premium rate for annual Commercial/ Horticultural crops are charged. (Kharif: 2.5% for cereals, millets & pulses & 3.5% for bajra & Oilseeds, Rabi: 1.5% for wheat & 2 % for cereals, millets pulses & oilseeds).

10 % subsidy on premium is provided to Small & Marginal farmers.

  • When the crop yield is less than the guaranteed yield of notified crops, the indemnity payment equal to the shortfall in yield is payable to all insured farmers.
2 Modified National Agriculture Insurance Scheme (MNAIS)
  • Insurance protection for notified food crops, oilseeds and annual horticultural/commercial crops.
  •  The actuarial Premium rate for notified crops is charged.
  • Subsidy ranging from 40% to 75% of the premium is provided to all types of farmers depending on the slab of premium.
  • (Up to 2% – Nil, > 2 to 5% – 40% subject to minimum net premium of 2%,> 5 to 10% – 50% subject to minimum net premium of 3%, >10 to 15% -60% subject to minimum net premium of 5%, >15% -75% subject to minimum net premium of 6%).

 

  • If the sowing is not done due to adverse weather/climate, claims/indemnity up to 25% of Sum Insured will be paid for prevented sowing/planting risk.
  • When the crop yield is less than the guaranteed yield of notified crops, the indemnity payment equal to shortfall in yield is payable to all insured farmers
  • However, account advance payment up to 25% of likely claim will be paid as immediate relief.
3 Weather Based Crop Insurance Scheme
  • Insurance protection for notified food crops, oilseeds and horticultural/commercial crops.
  • The actuarial Premium rate for notified crops, subject to maximum premium up to 12%, is charged.
  • 25-50% subsidy on premium rate is provided to all type farmers (to make the actual payable premium at par with NAIS).
  • When the Weather indices (rainfall/temp/relative humidity/wind speed etc) are differing (less/higher) from the Guaranteed weather index of notified crops, the indemnity payment equal to deviation/shortfall is payable to all insured farmers of notified crops.
4 Coconut palm Insurance Scheme (CPIS)
  •  Insurance protection for Coconut Palm growers.
  • Premium rate per palm ranges from ` 4.69 (in the plantation age group of 4 to 15 years) to ` 6.35 (in the plantation age group of 16 to 60 years).
  • The Insurance policy pays for total 1000 of palm on account of happening of perils insured leading to the death of insured palm or it is becoming unproductive.

 

Whom to contact?

  •  Nearest Office of Taluka Agriculture Officer, Sub-divisional Agriculture Officer, District Superintending Agriculture Officer, Divisional Joint Director of Agriculture
  •  Website of Agriculture Department – www.mahaagri.gov.in
  • Kisan Call Center (Toll-Free No.) – 1800 – 180 – 1551

 

 

Source-

  • Farmer’s Portal,  Government of India

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