Title: A Step-by-Step Guide to Claiming in Pradhan Mantri Fasal Bima Yojana (Intimation)
Introduction:
Launched in 2016, the Pradhan Mantri Fasal Bima Yojana (PMFBY) is a flagship crop insurance scheme in India aimed at providing financial support to farmers in the event of crop failures due to natural calamities or pests. Under this scheme, farmers can claim insurance benefits for crop loss. This article outlines the procedure for claiming insurance under PMFBY (Intimation) to help farmers navigate the process smoothly.
Step 1: Immediate Intimation
In case of crop damage, the insured farmer should immediately inform the concerned insurance company or the nodal officer designated for their district. This step is crucial, as any delay in intimation can lead to claim rejection. Contact details of the insurance company and nodal officers are typically available at the local bank branch, Agricultural Department, or on the government’s official PMFBY website.
Step 2: Provide Accurate and Detailed Information
When informing the insurance company, provide accurate details about the crop loss, including the extent and severity of the damage. Be prepared to answer questions like the cause of loss (natural calamity or pest attack), the approximate area affected, and other relevant crop-related information.
Step 3: Contact Local Agriculture Department
After informing the insurance company, it is advisable to visit the nearest Agriculture Department office. An agricultural officer can help verify the extent of the loss, provide guidance on documentation, and offer any additional support required during the claim process.
Step 4: Register the Loss in Writing
The next step involves submitting a written intimation of crop loss to the insurance company. Prepare a formal letter stating the details of the loss, its cause, the approximate area affected, and any other information requested by the company.
Step 5: Prepare Documents
To support the claim, gather all relevant documents, such as land records (like Khatauni or Patta), farmer’s identity proof, details of the insured crops and their acreage, proof of cultivation (like purchase receipts of seeds, fertilizers, etc.), and weather reports. Make sure all documents are clear, legible, and attested.
Step 6: Submit Claim Form
Visit the insurance company branch to formally submit the claim form along with the required documents. Ensure that you have filled out the form correctly and accurately. The insurance company will provide you with the necessary claim form and assist you with the process if needed.
Step 7: Field Inspection
Upon submitting the claim, an insurance company-appointed officer will conduct a field inspection. The officer will visit the affected areas and assess the extent of crop loss stated in the claim. Cooperate with the officer during their visit to ensure accurate evaluation.
Step 8: Claim Settlement
Following the field inspection and completion of other formalities, the insurance company will assess the claim and determine the settlement amount. The defined timeline for claim settlement under PMFBY is typically within two months from the date of intimation.
Conclusion:
Claiming insurance in Pradhan Mantri Fasal Bima Yojana (Intimation) can be a straightforward process if the necessary steps are followed accurately and promptly. By notifying the insurance company immediately, providing detailed documentation, and cooperating during the field inspection, farmers can ensure a smooth claim settlement and receive the financial support they are entitled to under the PMFBY scheme.