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
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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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);

            } else {
$response = object(Cake\Http\Response) {

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New Delhi: Centre for Science and Environment (CSE) released here today the first detailed independent evaluation and analysis of the Pradhan Mantri Fasal Bima Yojana (PMFBY) &ndash; government&rsquo;s flagship national agricultural insurance programme. Across the world,..."/>
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    <h1 class="cat-box-title">Pradhan Mantri Fasal Bima Yojana -- a good scheme with flawed implementation, says CSE&#039;s latest report</h1>
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		 Published on</span><span class="text-date"> Jul 23, 2017</span>
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                            <div align="justify">-Centre for Science and Environment<br /><br /><em>New Delhi: </em>Centre for Science and Environment (CSE) released here today the first detailed independent evaluation and analysis of the Pradhan Mantri Fasal Bima Yojana (PMFBY) &ndash; government&rsquo;s flagship national agricultural insurance programme. Across the world, agriculture insurance is recognised as an important part of the safety net for farmers to deal with the impacts of extreme and unseasonal weather due to climate change.<br /><br />Releasing the report today at a national-level media briefing in New Delhi, CSE&rsquo;s deputy director general Chandra Bhushan said: &ldquo;The Pradhan Mantri Fasal Bima Yojana is a far superior scheme than the previous agricultural insurance schemes. However, at the state level, its vision is diluted and at the district level, its implementation is seriously compromised. PMFBY is a classic case of poor implementation of a good scheme.&rdquo;<br /><br />&ldquo;This assessment is based on our field study in Haryana, Tamil Nadu and Uttar Pradesh, as well as national level engagement with various stakeholders including farmer and farmers organisations, insurance companies and government departments,&rdquo; Bhushan added.<br /><br /><em>What&rsquo;s the PMFBY all about?<br /></em><br />The Government of India launched the PMFBY in the kharif season of 2016 to help farmers cope with crop losses due to unseasonal and extreme weather. The scheme came into operation from April 1, 2016. It has replaced the National Agricultural Insurance Scheme (NAIS) and the Modified National Agricultural Insurance Scheme (MNAIS). The Weather-Based Crop Insurance Scheme (WBCIS) remains in place, though its premium rates have been made the same as in PMFBY. A state can decide whether it wants PMFBY or WBCIS or both. <br /><br />PMFBY has more farmer-friendly provisions than NAIS and MNAIS. It has reduced the burden of premium on farmers significantly and has expanded the coverage of risks. It also promotes use of advanced technologies for accurate estimation of losses and quick payments to farmers. <br /><br /><em>What has the CSE assessment found?<br /></em><br /><strong>The positives:<br /></strong><br />* At the all-India level, coverage of agricultural insurance has significantly increased in kharif 2016 compared to kharif 2015. The number of farmers insured reached a little over 4 crore during kharif 2016; during kharif 2015, this number was about 3.09 crore.<br /><br />* The sum insured is now closer to the cost of production than before. On an average, during kharif 2015, the sum insured per hectare of land was about Rs 20,500; during kharif 2016, it had gone up to Rs 34,370. This means that in case of losses, farmers should theoretically get significantly higher compensation than before. However, in some states like Rajasthan, the sum insured remains very low &ndash; about one-third of the cost of production.<br /><br /><strong>The negatives:<br /></strong><br />* Gaps in assessment of crop loss: Assessment of crop loss remains a major concern because the sample sizes in each village are not large enough to capture the scale and diversity of crop losses. In many cases, district or block level agricultural department officials do not conduct such sampling on ground and complete the formalities only on paper. CSE also noted other issues such as lack of trained outsourced agencies, huge scope of corruption during implementation as well as non-utilisation of technologies like smart phones and drones to improve the speed and reliability of such sampling.<br /><br />* Inadequate and delayed claim payment: Insurance companies, in many cases, did not investigate losses due to a localised calamity and, therefore, did not pay claims. For kharif 2016, the claim payment to farmers was inordinately delayed &ndash; till April 2017; claims for kharif 2016 were not paid or were partly paid in 14 out of 21 states. Only 32 per cent of the reported claims were paid out by insurance companies, even when in many states the governments had paid their part of premium. <br /><br />* High actuarial premium rates: Insurance companies charged high actuarial premium rates during kharif 2016 &ndash; the all-India rate was approximately 12.6 per cent, which was highest ever. Much higher rates were charged in some states and regions. The average actuarial rate in Gujarat was 20.5 per cent, in Rajasthan 19.9 per cent, and in Maharashtra 18.9 per cent.<br /><br />* Massive profits for insurance companies: CSE&rsquo;s analysis indicates that during kharif 2016, companies made close to Rs 10,000 crore as &lsquo;gross profits&rsquo;.<br /><br />* Coverage only for loanee farmers: PMFBY remains a scheme for loanee farmers &ndash; farmers who take loans from banks are mandatorily required to take insurance. The percentage of non-loanee farmers availing insurance remained less than 5 per cent during kharif 2016 and 2015. Like previous crop insurance schemes, PMFBY fails to cover sharecropper and tenant farmers.<br /><br />* Poor capacity to deliver: There has been no concerted effort by the state government and insurance companies to build awareness of farmers on PMFBY. Insurance companies have failed to set-up infrastructure for proper implementation of PMFBY. There is still no direct linkage between insurance companies and farmers. Insured farmers receive no insurance policy document or receipt.<br /><br />The report has also identified issues like delayed notification by state governments, less number of notified crops than can avail insurance, problem with threshold yield estimation etc. that has diluted the usefulness of PMFBY.<br /><br />One of the key conclusions of the report is that PMBY is not beneficial for farmers in vulnerable regions. Adds Chandra Bhushan: &ldquo;For farmers in vulnerable regions such as Bundelkhand and Marathwada, factors like low indemnity levels, low threshold yields, low sum insured and default on loans make PMFBY a poor scheme to safeguard against extreme weather events. Our analysis shows that farmers in these areas might not get any claim even if more than half of their crops are damaged&rdquo;.<br /><br />Please <a href="http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse" title="http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse">click here</a> to read more.</div>                                                           
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    <br><a href="http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse" class="re" target="_blank">Centre for Science and Environment, 21 July, 2017, http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse</a><div class="clear"></div>
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    <h1 class="cat-box-title">Pradhan Mantri Fasal Bima Yojana -- a good scheme with flawed implementation, says CSE&#039;s latest report</h1>
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		 Published on</span><span class="text-date"> Jul 23, 2017</span>
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                            <div align="justify">-Centre for Science and Environment<br /><br /><em>New Delhi: </em>Centre for Science and Environment (CSE) released here today the first detailed independent evaluation and analysis of the Pradhan Mantri Fasal Bima Yojana (PMFBY) &ndash; government&rsquo;s flagship national agricultural insurance programme. Across the world, agriculture insurance is recognised as an important part of the safety net for farmers to deal with the impacts of extreme and unseasonal weather due to climate change.<br /><br />Releasing the report today at a national-level media briefing in New Delhi, CSE&rsquo;s deputy director general Chandra Bhushan said: &ldquo;The Pradhan Mantri Fasal Bima Yojana is a far superior scheme than the previous agricultural insurance schemes. However, at the state level, its vision is diluted and at the district level, its implementation is seriously compromised. PMFBY is a classic case of poor implementation of a good scheme.&rdquo;<br /><br />&ldquo;This assessment is based on our field study in Haryana, Tamil Nadu and Uttar Pradesh, as well as national level engagement with various stakeholders including farmer and farmers organisations, insurance companies and government departments,&rdquo; Bhushan added.<br /><br /><em>What&rsquo;s the PMFBY all about?<br /></em><br />The Government of India launched the PMFBY in the kharif season of 2016 to help farmers cope with crop losses due to unseasonal and extreme weather. The scheme came into operation from April 1, 2016. It has replaced the National Agricultural Insurance Scheme (NAIS) and the Modified National Agricultural Insurance Scheme (MNAIS). The Weather-Based Crop Insurance Scheme (WBCIS) remains in place, though its premium rates have been made the same as in PMFBY. A state can decide whether it wants PMFBY or WBCIS or both. <br /><br />PMFBY has more farmer-friendly provisions than NAIS and MNAIS. It has reduced the burden of premium on farmers significantly and has expanded the coverage of risks. It also promotes use of advanced technologies for accurate estimation of losses and quick payments to farmers. <br /><br /><em>What has the CSE assessment found?<br /></em><br /><strong>The positives:<br /></strong><br />* At the all-India level, coverage of agricultural insurance has significantly increased in kharif 2016 compared to kharif 2015. The number of farmers insured reached a little over 4 crore during kharif 2016; during kharif 2015, this number was about 3.09 crore.<br /><br />* The sum insured is now closer to the cost of production than before. On an average, during kharif 2015, the sum insured per hectare of land was about Rs 20,500; during kharif 2016, it had gone up to Rs 34,370. This means that in case of losses, farmers should theoretically get significantly higher compensation than before. However, in some states like Rajasthan, the sum insured remains very low &ndash; about one-third of the cost of production.<br /><br /><strong>The negatives:<br /></strong><br />* Gaps in assessment of crop loss: Assessment of crop loss remains a major concern because the sample sizes in each village are not large enough to capture the scale and diversity of crop losses. In many cases, district or block level agricultural department officials do not conduct such sampling on ground and complete the formalities only on paper. CSE also noted other issues such as lack of trained outsourced agencies, huge scope of corruption during implementation as well as non-utilisation of technologies like smart phones and drones to improve the speed and reliability of such sampling.<br /><br />* Inadequate and delayed claim payment: Insurance companies, in many cases, did not investigate losses due to a localised calamity and, therefore, did not pay claims. For kharif 2016, the claim payment to farmers was inordinately delayed &ndash; till April 2017; claims for kharif 2016 were not paid or were partly paid in 14 out of 21 states. Only 32 per cent of the reported claims were paid out by insurance companies, even when in many states the governments had paid their part of premium. <br /><br />* High actuarial premium rates: Insurance companies charged high actuarial premium rates during kharif 2016 &ndash; the all-India rate was approximately 12.6 per cent, which was highest ever. Much higher rates were charged in some states and regions. The average actuarial rate in Gujarat was 20.5 per cent, in Rajasthan 19.9 per cent, and in Maharashtra 18.9 per cent.<br /><br />* Massive profits for insurance companies: CSE&rsquo;s analysis indicates that during kharif 2016, companies made close to Rs 10,000 crore as &lsquo;gross profits&rsquo;.<br /><br />* Coverage only for loanee farmers: PMFBY remains a scheme for loanee farmers &ndash; farmers who take loans from banks are mandatorily required to take insurance. The percentage of non-loanee farmers availing insurance remained less than 5 per cent during kharif 2016 and 2015. Like previous crop insurance schemes, PMFBY fails to cover sharecropper and tenant farmers.<br /><br />* Poor capacity to deliver: There has been no concerted effort by the state government and insurance companies to build awareness of farmers on PMFBY. Insurance companies have failed to set-up infrastructure for proper implementation of PMFBY. There is still no direct linkage between insurance companies and farmers. Insured farmers receive no insurance policy document or receipt.<br /><br />The report has also identified issues like delayed notification by state governments, less number of notified crops than can avail insurance, problem with threshold yield estimation etc. that has diluted the usefulness of PMFBY.<br /><br />One of the key conclusions of the report is that PMBY is not beneficial for farmers in vulnerable regions. Adds Chandra Bhushan: &ldquo;For farmers in vulnerable regions such as Bundelkhand and Marathwada, factors like low indemnity levels, low threshold yields, low sum insured and default on loans make PMFBY a poor scheme to safeguard against extreme weather events. Our analysis shows that farmers in these areas might not get any claim even if more than half of their crops are damaged&rdquo;.<br /><br />Please <a href="http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse" title="http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse">click here</a> to read more.</div>                                                           
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    <br><a href="http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse" class="re" target="_blank">Centre for Science and Environment, 21 July, 2017, http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse</a><div class="clear"></div>
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    <h1 class="cat-box-title">Pradhan Mantri Fasal Bima Yojana -- a good scheme with flawed implementation, says CSE&#039;s latest report</h1>
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		 Published on</span><span class="text-date"> Jul 23, 2017</span>
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                            <div align="justify">-Centre for Science and Environment<br /><br /><em>New Delhi: </em>Centre for Science and Environment (CSE) released here today the first detailed independent evaluation and analysis of the Pradhan Mantri Fasal Bima Yojana (PMFBY) &ndash; government&rsquo;s flagship national agricultural insurance programme. Across the world, agriculture insurance is recognised as an important part of the safety net for farmers to deal with the impacts of extreme and unseasonal weather due to climate change.<br /><br />Releasing the report today at a national-level media briefing in New Delhi, CSE&rsquo;s deputy director general Chandra Bhushan said: &ldquo;The Pradhan Mantri Fasal Bima Yojana is a far superior scheme than the previous agricultural insurance schemes. However, at the state level, its vision is diluted and at the district level, its implementation is seriously compromised. PMFBY is a classic case of poor implementation of a good scheme.&rdquo;<br /><br />&ldquo;This assessment is based on our field study in Haryana, Tamil Nadu and Uttar Pradesh, as well as national level engagement with various stakeholders including farmer and farmers organisations, insurance companies and government departments,&rdquo; Bhushan added.<br /><br /><em>What&rsquo;s the PMFBY all about?<br /></em><br />The Government of India launched the PMFBY in the kharif season of 2016 to help farmers cope with crop losses due to unseasonal and extreme weather. The scheme came into operation from April 1, 2016. It has replaced the National Agricultural Insurance Scheme (NAIS) and the Modified National Agricultural Insurance Scheme (MNAIS). The Weather-Based Crop Insurance Scheme (WBCIS) remains in place, though its premium rates have been made the same as in PMFBY. A state can decide whether it wants PMFBY or WBCIS or both. <br /><br />PMFBY has more farmer-friendly provisions than NAIS and MNAIS. It has reduced the burden of premium on farmers significantly and has expanded the coverage of risks. It also promotes use of advanced technologies for accurate estimation of losses and quick payments to farmers. <br /><br /><em>What has the CSE assessment found?<br /></em><br /><strong>The positives:<br /></strong><br />* At the all-India level, coverage of agricultural insurance has significantly increased in kharif 2016 compared to kharif 2015. The number of farmers insured reached a little over 4 crore during kharif 2016; during kharif 2015, this number was about 3.09 crore.<br /><br />* The sum insured is now closer to the cost of production than before. On an average, during kharif 2015, the sum insured per hectare of land was about Rs 20,500; during kharif 2016, it had gone up to Rs 34,370. This means that in case of losses, farmers should theoretically get significantly higher compensation than before. However, in some states like Rajasthan, the sum insured remains very low &ndash; about one-third of the cost of production.<br /><br /><strong>The negatives:<br /></strong><br />* Gaps in assessment of crop loss: Assessment of crop loss remains a major concern because the sample sizes in each village are not large enough to capture the scale and diversity of crop losses. In many cases, district or block level agricultural department officials do not conduct such sampling on ground and complete the formalities only on paper. CSE also noted other issues such as lack of trained outsourced agencies, huge scope of corruption during implementation as well as non-utilisation of technologies like smart phones and drones to improve the speed and reliability of such sampling.<br /><br />* Inadequate and delayed claim payment: Insurance companies, in many cases, did not investigate losses due to a localised calamity and, therefore, did not pay claims. For kharif 2016, the claim payment to farmers was inordinately delayed &ndash; till April 2017; claims for kharif 2016 were not paid or were partly paid in 14 out of 21 states. Only 32 per cent of the reported claims were paid out by insurance companies, even when in many states the governments had paid their part of premium. <br /><br />* High actuarial premium rates: Insurance companies charged high actuarial premium rates during kharif 2016 &ndash; the all-India rate was approximately 12.6 per cent, which was highest ever. Much higher rates were charged in some states and regions. The average actuarial rate in Gujarat was 20.5 per cent, in Rajasthan 19.9 per cent, and in Maharashtra 18.9 per cent.<br /><br />* Massive profits for insurance companies: CSE&rsquo;s analysis indicates that during kharif 2016, companies made close to Rs 10,000 crore as &lsquo;gross profits&rsquo;.<br /><br />* Coverage only for loanee farmers: PMFBY remains a scheme for loanee farmers &ndash; farmers who take loans from banks are mandatorily required to take insurance. The percentage of non-loanee farmers availing insurance remained less than 5 per cent during kharif 2016 and 2015. Like previous crop insurance schemes, PMFBY fails to cover sharecropper and tenant farmers.<br /><br />* Poor capacity to deliver: There has been no concerted effort by the state government and insurance companies to build awareness of farmers on PMFBY. Insurance companies have failed to set-up infrastructure for proper implementation of PMFBY. There is still no direct linkage between insurance companies and farmers. Insured farmers receive no insurance policy document or receipt.<br /><br />The report has also identified issues like delayed notification by state governments, less number of notified crops than can avail insurance, problem with threshold yield estimation etc. that has diluted the usefulness of PMFBY.<br /><br />One of the key conclusions of the report is that PMBY is not beneficial for farmers in vulnerable regions. Adds Chandra Bhushan: &ldquo;For farmers in vulnerable regions such as Bundelkhand and Marathwada, factors like low indemnity levels, low threshold yields, low sum insured and default on loans make PMFBY a poor scheme to safeguard against extreme weather events. Our analysis shows that farmers in these areas might not get any claim even if more than half of their crops are damaged&rdquo;.<br /><br />Please <a href="http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse" title="http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse">click here</a> to read more.</div>                                                           
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    <br><a href="http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse" class="re" target="_blank">Centre for Science and Environment, 21 July, 2017, http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse</a><div class="clear"></div>
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Pradhan Mantri Fasal Bima Yojana -- a good scheme with flawed implementation, says CSE's latest report

Published on Jul 23, 2017   Modified on Jul 23, 2017

-Centre for Science and Environment New Delhi: Centre for Science and Environment (CSE) released here today the first detailed independent evaluation and analysis of the Pradhan Mantri Fasal Bima Yojana (PMFBY) – government’s flagship national agricultural insurance programme. Across the world, agriculture insurance is recognised as an important part of the safety net for farmers to deal with the impacts of extreme and unseasonal weather due to climate change. Releasing the report today at a national-level media briefing in New Delhi, CSE’s deputy director general Chandra Bhushan said: “The Pradhan Mantri Fasal Bima Yojana is a far superior scheme than the previous agricultural insurance schemes. However, at the state level, its vision is diluted and at the district level, its implementation is seriously compromised. PMFBY is a classic case of poor implementation of a good scheme.” “This assessment is based on our field study in Haryana, Tamil Nadu and Uttar Pradesh, as well as national level engagement with various stakeholders including farmer and farmers organisations, insurance companies and government departments,” Bhushan added. What’s the PMFBY all about? The Government of India launched the PMFBY in the kharif season of 2016 to help farmers cope with crop losses due to unseasonal and extreme weather. The scheme came into operation from April 1, 2016. It has replaced the National Agricultural Insurance Scheme (NAIS) and the Modified National Agricultural Insurance Scheme (MNAIS). The Weather-Based Crop Insurance Scheme (WBCIS) remains in place, though its premium rates have been made the same as in PMFBY. A state can decide whether it wants PMFBY or WBCIS or both. PMFBY has more farmer-friendly provisions than NAIS and MNAIS. It has reduced the burden of premium on farmers significantly and has expanded the coverage of risks. It also promotes use of advanced technologies for accurate estimation of losses and quick payments to farmers. What has the CSE assessment found? The positives: * At the all-India level, coverage of agricultural insurance has significantly increased in kharif 2016 compared to kharif 2015. The number of farmers insured reached a little over 4 crore during kharif 2016; during kharif 2015, this number was about 3.09 crore. * The sum insured is now closer to the cost of production than before. On an average, during kharif 2015, the sum insured per hectare of land was about Rs 20,500; during kharif 2016, it had gone up to Rs 34,370. This means that in case of losses, farmers should theoretically get significantly higher compensation than before. However, in some states like Rajasthan, the sum insured remains very low – about one-third of the cost of production. The negatives: * Gaps in assessment of crop loss: Assessment of crop loss remains a major concern because the sample sizes in each village are not large enough to capture the scale and diversity of crop losses. In many cases, district or block level agricultural department officials do not conduct such sampling on ground and complete the formalities only on paper. CSE also noted other issues such as lack of trained outsourced agencies, huge scope of corruption during implementation as well as non-utilisation of technologies like smart phones and drones to improve the speed and reliability of such sampling. * Inadequate and delayed claim payment: Insurance companies, in many cases, did not investigate losses due to a localised calamity and, therefore, did not pay claims. For kharif 2016, the claim payment to farmers was inordinately delayed – till April 2017; claims for kharif 2016 were not paid or were partly paid in 14 out of 21 states. Only 32 per cent of the reported claims were paid out by insurance companies, even when in many states the governments had paid their part of premium. * High actuarial premium rates: Insurance companies charged high actuarial premium rates during kharif 2016 – the all-India rate was approximately 12.6 per cent, which was highest ever. Much higher rates were charged in some states and regions. The average actuarial rate in Gujarat was 20.5 per cent, in Rajasthan 19.9 per cent, and in Maharashtra 18.9 per cent. * Massive profits for insurance companies: CSE’s analysis indicates that during kharif 2016, companies made close to Rs 10,000 crore as ‘gross profits’. * Coverage only for loanee farmers: PMFBY remains a scheme for loanee farmers – farmers who take loans from banks are mandatorily required to take insurance. The percentage of non-loanee farmers availing insurance remained less than 5 per cent during kharif 2016 and 2015. Like previous crop insurance schemes, PMFBY fails to cover sharecropper and tenant farmers. * Poor capacity to deliver: There has been no concerted effort by the state government and insurance companies to build awareness of farmers on PMFBY. Insurance companies have failed to set-up infrastructure for proper implementation of PMFBY. There is still no direct linkage between insurance companies and farmers. Insured farmers receive no insurance policy document or receipt. The report has also identified issues like delayed notification by state governments, less number of notified crops than can avail insurance, problem with threshold yield estimation etc. that has diluted the usefulness of PMFBY. One of the key conclusions of the report is that PMBY is not beneficial for farmers in vulnerable regions. Adds Chandra Bhushan: “For farmers in vulnerable regions such as Bundelkhand and Marathwada, factors like low indemnity levels, low threshold yields, low sum insured and default on loans make PMFBY a poor scheme to safeguard against extreme weather events. Our analysis shows that farmers in these areas might not get any claim even if more than half of their crops are damaged”. Please click here to read more.

Centre for Science and Environment, 21 July, 2017, http://cseindia.org/content/pradhan-mantri-fasal-bima-yojana-cse

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

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