Crop Insurance : Objective, Eligibility परभणी जिल्ह्यात ‘क्रॉप इंश्योरेंस’ की जरूरत है?

Crop Insurance- Crop insurance is a crucial tool for farmers to protect their livelihoods against the risks and uncertainties of agriculture. It provides financial coverage in the event of crop failure, damage from natural disasters, or other unforeseen circumstances that can result in significant losses for farmers.

By purchasing crop insurance, farmers can have peace of mind knowing that they will be compensated for their losses and can continue to sustain their operations. Crop insurance also plays a vital role in stabilizing the agricultural sector and ensuring food security by providing a safety net for farmers during challenging times. With the ever-increasing volatility of weather patterns and climate change, crop insurance has become an essential component of risk management strategies for farmers worldwide.

Crop Insurance

Crop insurance is a crucial tool for farmers to protect their crops and livelihoods from unforeseen events such as natural disasters, pests, and market fluctuations. It provides financial support to farmers in the event of crop failure or yield losses, helping them recover and continue their operations. With crop insurance, farmers can have peace of mind knowing that they have a safety net to rely on in times of difficulty.

Moreover, crop insurance plays a vital role in ensuring food security and supporting rural economies by mitigating risks and providing stability. It is an essential investment for farmers looking to safeguard their crops and secure their futures. The agricultural industry is unpredictable, with weather changes and other factors that are beyond human control. Crop insurance offers protection against these variables while also promoting sustainable agriculture practices.

शेती हमारे देश की आर्थिक विकास का मूल है। भारतीय अर्थव्यवस्था के लिए शेती अत्यंत महत्त्वपूर्ण है, और यह सेक्टर हमारे देश के किसानों के लिए रोजगार का मुख्य स्रोत है। लेकिन शेतकरियों का साम्रिक जीवन आपके मन में कई सवाल उत्पन्न कर सकता है, जैसे कि मौसम की अनियमितता, पेस्टिसाइड्स, बीमारियों, और अधिक।

Crop Insurance Overviews

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Highlight

About Crop Insurance

Crop insurance is a risk management tool that provides financial protection to farmers in the event of crop loss or damage due to natural disasters, pests, or other unforeseen circumstances. It helps to mitigate the financial risks associated with farming by providing compensation for lost income or damaged crops. Crop insurance policies typically cover a wide range of perils, including drought, hailstorms, floods, and insect infestations.

By offering this safety net, crop insurance plays a crucial role in supporting the agricultural industry and ensuring the stability of food production. Farmers can choose from various types of crop insurance policies based on their specific needs and the crops they grow. Overall, crop insurance acts as a vital safeguard for farmers against unpredictable events that could otherwise jeopardize their livelihoods.

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Crop Insurance Status Check

Crop insurance status check is a vital part of ensuring the financial security of farmers. Crop insurance provides coverage against potential losses due to weather-related events, pests, diseases, or other unforeseen circumstances. By regularly checking the status of their crop insurance, farmers can stay informed about the level of coverage they have and make any necessary adjustments to ensure they are adequately protected.

This includes verifying that all necessary documents and information are up to date and accurate, as well as understanding any changes in policy terms or coverage options. By staying proactive and diligent in their crop insurance status check, farmers can have peace of mind knowing that they are prepared for any potential risks that may arise in their agricultural operations.

‘क्रॉप इन्श्योरेंस’ क्या है?

Crop Insurance एक ऐसी सुरक्षा प्रणाली है जो किसानों को उनकी उपज खोने से बचाती है। यह एक प्रकार का बीमा होता है जिसमें किसान अपघात, मृत्यु, कीट प्रगणन, वृक्ष रोग, या अन्य कारणों से उपज खोने की सुरक्षा प्राप्त करते हैं।

मौसम के प्रभाव पर ‘क्रॉप इन्श्योरेंस’

भारत में मौसम की अनियमितता हमें बार-बार मिलती है, और यह किसानों के लिए खतरे का स्रोत है। परभणी जिल्हा, जिनमें शिंगणापूर, दैठणा, पूर्णा तालुका शामिल है, भी मौसम के प्रभाव से प्रभावित होता है। इस जिल्हे में पावस की कमी, वर्षा के असमय होने या अधिक होने की समस्याएँ होती हैं, जिससे किसानों को उपज के लिए पानी की कमी का सामना करना पड़ता है।

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सोयाबीन उत्पादन और पिक विमा

इस जिल्हे में सोयाबीन खेती का महत्वपूर्ण हिस्सा है, और यहाँ के किसान इसे प्रमुख फसल के रूप में उत्पन्न करते हैं। सोयाबीन उत्पादन के बढ़ने के साथ ही खतरे भी बढ़ जाते हैं, और इसके परिणामस्वरूप किसानों को नुकसान हो सकता है।

क्रॉप इन्श्योरेंस से सुरक्षा

‘Crop Insurance’ की यह बड़ी खासियत है कि यह किसानों को उनकी उपज के नुकसान से बचाने के लिए बनाई गई है। इस योजना के तहत, किसानों को प्राकृतिक आपदाओं से होने वाले नुकसान के लिए आर्थिक सहायता प्राप्त करने का मौका मिलता है।

आग्रीम विमा भरपाई की मंजूरी

परभणी जिल्हे में इस Crop Insurance की महत्त्वपूर्ण भूमिका है, और 11 मंडळों ने आग्रीम विमा भरपाई को मंजूरी दी है। इसका मतलब है कि इन क्षेत्रों के किसानों को अपघातों से होने वाले नुकसान के लिए तत्परता और आर्थिक सहायता मिल सकती है।

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आपका उपाय: ‘क्रॉप इन्श्योरेंस’

आपके लिए सहायक सूचना: इसके बाद, किसानों ने पिक इन्श्योरेंस की आवश्यकता को समझा और 25% आगाऊ रकम का भुगतान करने का निर्णय लिया है। इससे उन्हें पिक इन्श्योरेंस की सुरक्षा मिल जाती है और वे अपनी उपज को सुरक्षित रख सकते हैं।

Objective

Pradhan Mantri Fasal Bima Yojana (PMFBY) aims at supporting sustainable production in agriculture sector by way of –

• a) Providing financial support to farmers suffering crop loss/damage arising out of unforeseen events
• b) Stabilizing the income of farmers to ensure their continuance in farming
• c) Encouraging farmers to adopt innovative and modern agricultural practices
• d) Ensuring flow of credit to the agriculture sector; which will contribute to food security, crop diversification and enhancing growth and competitiveness of

agriculture sector besides protecting farmers from production risks.

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Eligibility

All farmers including share croppers and tenant farmers growing notified crops in the notified areas are eligible under this scheme

Coverage of Farmers

• Loanee Farmers (Compulsory Coverage): All the farmers availing seasonal agriculture operations (SAO) loans from financial institutes (Loanee farmers / KCC holders) for the notified crop would be covered compulsorily.
• Non-Loanee Farmers: The Scheme would be optional for the non-loanee farmers.

Coverage of Crops

• All Food Crops (Cereals, Millets, and Pulses), Oil seeds, Annual Commercial/Horticulture Crops.

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Coverage of Risks

Following stages of the crop and risks leading to crop loss are covered under the scheme.

• Prevented Sowing/ Planting Risk: Insured area is prevented from sowing/ planting due to deficit rainfall or adverse seasonal conditions
• Standing Crop (Sowing to Harvesting): Comprehensive risk insurance is provided to cover yield losses due to non- preventable risks, viz. Drought, Dry spells, Flood, Inundation, Pests and Diseases, Landslides, Natural Fire and Lightening, Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane and Tornado.
• Post-Harvest Losses: coverage is available only up to a maximum period of two weeks from harvesting for those crops which are allowed to dry in cut and spread condition in the field after harvesting against specific perils of cyclone and cyclonic rains and unseasonal rains.
• Localized Calamities: Loss/ damage resulting from occurrence of identified localized risks of hailstorm, landslide, and Inundation affecting isolated farms in the notified area.
• General Exclusions: Losses arising out of war and nuclear risks, malicious damage and other preventable risks shall be excluded.

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