Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 150
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

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        LATEST NEWS UPDATES | Crop Insurance: A flagship scheme that may flatter to deceive -Harish Damodaran    </title>
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-The Indian Express

For farmers, a uniform 2 per cent premium rate on sum insured (SI) for all kharif or monsoon season foodgrains and oilseeds, while 1.5 per cent for rabi winter crops and 5 per cent for annual commercial and..."/>
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For farmers, a uniform 2 per cent premium rate on sum insured (SI) for all kharif or monsoon season foodgrains and oilseeds, while 1.5 per cent for rabi winter crops and 5 per cent for annual commercial and..." />
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    <h1 class="cat-box-title">Crop Insurance: A flagship scheme that may flatter to deceive -Harish Damodaran</h1>
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		 Published on</span><span class="text-date"> Jul 27, 2017</span>
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                            <div align="justify">-The Indian Express<br /><br /><em>For farmers, a uniform 2 per cent premium rate on sum insured (SI) for all kharif or monsoon season foodgrains and oilseeds, while 1.5 per cent for rabi winter crops and 5 per cent for annual commercial and horticultural crops, is the lowest they can hope for. <br /></em><br />The country couldn&rsquo;t possibly have, at least on paper, a better agricultural crop insurance scheme than the Pradhan Mantri Fasal Bima Yojana (PMFBY). For farmers, a uniform 2 per cent premium rate on sum insured (SI) for all kharif or monsoon season foodgrains and oilseeds, while 1.5 per cent for rabi winter crops and 5 per cent for annual commercial and horticultural crops, is the lowest they can hope for. The SI &ndash; the maximum amount insurance would pay in the event of damage &ndash; is equal to the &ldquo;scale of finance&rdquo; or loan limit fixed by banks for the crop concerned covering its estimated production cost. This again is reasonable compared to the previous schemes, which set the SI artificially low so as to limit claims and, in turn, made it unattractive for farmers to take insurance protection. Apart from low premiums (the gap vis-&agrave;-vis the higher actuarial rates based on statistical risk assessment payable to insurance companies is to be met by government subsidy) and production cost-linked SI, the PMFBY also promises speedy claim settlements through use of technology: Remote sensing/satellite imagery and drones for generating crop yield estimates and GPS handheld devices/smartphones for capturing field of images and transmission of data on real time basis.<br /><br />If the actual yield of an insured crop in a particular village falls below a &lsquo;threshold&rsquo; &ndash; the average for the past seven years excluding calamity years &ndash; it entitles all farmers in that area to a claim, equal to the difference divided by the threshold yield and multiplied by the SI. And the processing, approval and payment of final claims is to happen within three weeks from the receipt of yield data, which shall be available within a month from harvest.<br /><br />But like all well-conceived schemes, the real test lies in implementation on the ground. And there, the story isn&rsquo;t particularly inspiring.<br /><br />The accompanying tables show the latest available data on premiums collected by insurance companies and claims paid to farmers under PMFBY for 2016-17, both in the kharif and rabi seasons. Gross premium receipts in what was the scheme&rsquo;s very first year aggregated Rs 22,345 crore, of which roughly Rs 4,000 crore was shelled out by farmers and the balance coming as subsidy from the Centre and state governments. On the other hand, payment of claims totalled just Rs 5,876 crore.<br /><br />Now, the mere fact of claims being just over a quarter of premiums cannot be held against the PMFBY. 2016 was a normal monsoon year unlike the preceding two ones, with the rains really failing only in southern and coastal Karnataka, Kerala, Tamil Nadu and mainland Gujarat. In a year that saw no widespread drought, or even unseasonal rain/hailstorm events such as in March 2015, crop damage/loss claims were bound to be lower. To that extent, insurance companies cannot be charged with &ldquo;profiteering&rdquo;. They are expected to make money in normal years and lose when claims exceed premiums, which may well have happened had PMFBY been launched in 2015.<br /><br />Please <a href="http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/" title="http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/">click here</a> to read more. <br /></div>                                                           
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    <br><a href="http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/" class="re" target="_blank">The Indian Express, 27 July, 2017, http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/</a><div class="clear"></div>
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    <h1 class="cat-box-title">Crop Insurance: A flagship scheme that may flatter to deceive -Harish Damodaran</h1>
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		 Published on</span><span class="text-date"> Jul 27, 2017</span>
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                            <div align="justify">-The Indian Express<br /><br /><em>For farmers, a uniform 2 per cent premium rate on sum insured (SI) for all kharif or monsoon season foodgrains and oilseeds, while 1.5 per cent for rabi winter crops and 5 per cent for annual commercial and horticultural crops, is the lowest they can hope for. <br /></em><br />The country couldn&rsquo;t possibly have, at least on paper, a better agricultural crop insurance scheme than the Pradhan Mantri Fasal Bima Yojana (PMFBY). For farmers, a uniform 2 per cent premium rate on sum insured (SI) for all kharif or monsoon season foodgrains and oilseeds, while 1.5 per cent for rabi winter crops and 5 per cent for annual commercial and horticultural crops, is the lowest they can hope for. The SI &ndash; the maximum amount insurance would pay in the event of damage &ndash; is equal to the &ldquo;scale of finance&rdquo; or loan limit fixed by banks for the crop concerned covering its estimated production cost. This again is reasonable compared to the previous schemes, which set the SI artificially low so as to limit claims and, in turn, made it unattractive for farmers to take insurance protection. Apart from low premiums (the gap vis-&agrave;-vis the higher actuarial rates based on statistical risk assessment payable to insurance companies is to be met by government subsidy) and production cost-linked SI, the PMFBY also promises speedy claim settlements through use of technology: Remote sensing/satellite imagery and drones for generating crop yield estimates and GPS handheld devices/smartphones for capturing field of images and transmission of data on real time basis.<br /><br />If the actual yield of an insured crop in a particular village falls below a &lsquo;threshold&rsquo; &ndash; the average for the past seven years excluding calamity years &ndash; it entitles all farmers in that area to a claim, equal to the difference divided by the threshold yield and multiplied by the SI. And the processing, approval and payment of final claims is to happen within three weeks from the receipt of yield data, which shall be available within a month from harvest.<br /><br />But like all well-conceived schemes, the real test lies in implementation on the ground. And there, the story isn&rsquo;t particularly inspiring.<br /><br />The accompanying tables show the latest available data on premiums collected by insurance companies and claims paid to farmers under PMFBY for 2016-17, both in the kharif and rabi seasons. Gross premium receipts in what was the scheme&rsquo;s very first year aggregated Rs 22,345 crore, of which roughly Rs 4,000 crore was shelled out by farmers and the balance coming as subsidy from the Centre and state governments. On the other hand, payment of claims totalled just Rs 5,876 crore.<br /><br />Now, the mere fact of claims being just over a quarter of premiums cannot be held against the PMFBY. 2016 was a normal monsoon year unlike the preceding two ones, with the rains really failing only in southern and coastal Karnataka, Kerala, Tamil Nadu and mainland Gujarat. In a year that saw no widespread drought, or even unseasonal rain/hailstorm events such as in March 2015, crop damage/loss claims were bound to be lower. To that extent, insurance companies cannot be charged with &ldquo;profiteering&rdquo;. They are expected to make money in normal years and lose when claims exceed premiums, which may well have happened had PMFBY been launched in 2015.<br /><br />Please <a href="http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/" title="http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/">click here</a> to read more. <br /></div>                                                           
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    <br><a href="http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/" class="re" target="_blank">The Indian Express, 27 July, 2017, http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/</a><div class="clear"></div>
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                            <div align="justify">-The Indian Express<br /><br /><em>For farmers, a uniform 2 per cent premium rate on sum insured (SI) for all kharif or monsoon season foodgrains and oilseeds, while 1.5 per cent for rabi winter crops and 5 per cent for annual commercial and horticultural crops, is the lowest they can hope for. <br /></em><br />The country couldn&rsquo;t possibly have, at least on paper, a better agricultural crop insurance scheme than the Pradhan Mantri Fasal Bima Yojana (PMFBY). For farmers, a uniform 2 per cent premium rate on sum insured (SI) for all kharif or monsoon season foodgrains and oilseeds, while 1.5 per cent for rabi winter crops and 5 per cent for annual commercial and horticultural crops, is the lowest they can hope for. The SI &ndash; the maximum amount insurance would pay in the event of damage &ndash; is equal to the &ldquo;scale of finance&rdquo; or loan limit fixed by banks for the crop concerned covering its estimated production cost. This again is reasonable compared to the previous schemes, which set the SI artificially low so as to limit claims and, in turn, made it unattractive for farmers to take insurance protection. Apart from low premiums (the gap vis-&agrave;-vis the higher actuarial rates based on statistical risk assessment payable to insurance companies is to be met by government subsidy) and production cost-linked SI, the PMFBY also promises speedy claim settlements through use of technology: Remote sensing/satellite imagery and drones for generating crop yield estimates and GPS handheld devices/smartphones for capturing field of images and transmission of data on real time basis.<br /><br />If the actual yield of an insured crop in a particular village falls below a &lsquo;threshold&rsquo; &ndash; the average for the past seven years excluding calamity years &ndash; it entitles all farmers in that area to a claim, equal to the difference divided by the threshold yield and multiplied by the SI. And the processing, approval and payment of final claims is to happen within three weeks from the receipt of yield data, which shall be available within a month from harvest.<br /><br />But like all well-conceived schemes, the real test lies in implementation on the ground. And there, the story isn&rsquo;t particularly inspiring.<br /><br />The accompanying tables show the latest available data on premiums collected by insurance companies and claims paid to farmers under PMFBY for 2016-17, both in the kharif and rabi seasons. Gross premium receipts in what was the scheme&rsquo;s very first year aggregated Rs 22,345 crore, of which roughly Rs 4,000 crore was shelled out by farmers and the balance coming as subsidy from the Centre and state governments. On the other hand, payment of claims totalled just Rs 5,876 crore.<br /><br />Now, the mere fact of claims being just over a quarter of premiums cannot be held against the PMFBY. 2016 was a normal monsoon year unlike the preceding two ones, with the rains really failing only in southern and coastal Karnataka, Kerala, Tamil Nadu and mainland Gujarat. In a year that saw no widespread drought, or even unseasonal rain/hailstorm events such as in March 2015, crop damage/loss claims were bound to be lower. To that extent, insurance companies cannot be charged with &ldquo;profiteering&rdquo;. They are expected to make money in normal years and lose when claims exceed premiums, which may well have happened had PMFBY been launched in 2015.<br /><br />Please <a href="http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/" title="http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/">click here</a> to read more. <br /></div>                                                           
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    <br><a href="http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/" class="re" target="_blank">The Indian Express, 27 July, 2017, http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/</a><div class="clear"></div>
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Home हिन्दी

Crop Insurance: A flagship scheme that may flatter to deceive -Harish Damodaran

Published on Jul 27, 2017   Modified on Jul 27, 2017

-The Indian Express For farmers, a uniform 2 per cent premium rate on sum insured (SI) for all kharif or monsoon season foodgrains and oilseeds, while 1.5 per cent for rabi winter crops and 5 per cent for annual commercial and horticultural crops, is the lowest they can hope for. The country couldn’t possibly have, at least on paper, a better agricultural crop insurance scheme than the Pradhan Mantri Fasal Bima Yojana (PMFBY). For farmers, a uniform 2 per cent premium rate on sum insured (SI) for all kharif or monsoon season foodgrains and oilseeds, while 1.5 per cent for rabi winter crops and 5 per cent for annual commercial and horticultural crops, is the lowest they can hope for. The SI – the maximum amount insurance would pay in the event of damage – is equal to the “scale of finance” or loan limit fixed by banks for the crop concerned covering its estimated production cost. This again is reasonable compared to the previous schemes, which set the SI artificially low so as to limit claims and, in turn, made it unattractive for farmers to take insurance protection. Apart from low premiums (the gap vis-à-vis the higher actuarial rates based on statistical risk assessment payable to insurance companies is to be met by government subsidy) and production cost-linked SI, the PMFBY also promises speedy claim settlements through use of technology: Remote sensing/satellite imagery and drones for generating crop yield estimates and GPS handheld devices/smartphones for capturing field of images and transmission of data on real time basis. If the actual yield of an insured crop in a particular village falls below a ‘threshold’ – the average for the past seven years excluding calamity years – it entitles all farmers in that area to a claim, equal to the difference divided by the threshold yield and multiplied by the SI. And the processing, approval and payment of final claims is to happen within three weeks from the receipt of yield data, which shall be available within a month from harvest. But like all well-conceived schemes, the real test lies in implementation on the ground. And there, the story isn’t particularly inspiring. The accompanying tables show the latest available data on premiums collected by insurance companies and claims paid to farmers under PMFBY for 2016-17, both in the kharif and rabi seasons. Gross premium receipts in what was the scheme’s very first year aggregated Rs 22,345 crore, of which roughly Rs 4,000 crore was shelled out by farmers and the balance coming as subsidy from the Centre and state governments. On the other hand, payment of claims totalled just Rs 5,876 crore. Now, the mere fact of claims being just over a quarter of premiums cannot be held against the PMFBY. 2016 was a normal monsoon year unlike the preceding two ones, with the rains really failing only in southern and coastal Karnataka, Kerala, Tamil Nadu and mainland Gujarat. In a year that saw no widespread drought, or even unseasonal rain/hailstorm events such as in March 2015, crop damage/loss claims were bound to be lower. To that extent, insurance companies cannot be charged with “profiteering”. They are expected to make money in normal years and lose when claims exceed premiums, which may well have happened had PMFBY been launched in 2015. Please click here to read more.

The Indian Express, 27 July, 2017, http://indianexpress.com/article/india/crop-insurance-a-flagship-scheme-that-may-flatter-to-deceive-4768640/

Tagged with: crop damage Crop Failure Crop Insurance Pradhan Mantri Fasal Bima Yojana Pradhan Mantri Fasal Bima Yojana (PMFBY)

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