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Weather Based Crop

हवामान आधारित पीक इन्श्युरन्स योजना

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महत्त्वाची वैशिष्ट्ये

Provide financial security to farmers against unpredictable weather

हवामान आधारित पीक विम्याचा तपशील

Adverse weather conditions are one of the biggest challenges faced by Indian farmers, often resulting in significant crop losses. Recognising this, the Weather Based Crop Insurance Scheme (WBCIS) was introduced to provide financial security and mitigate the hardships of farmers. Unlike traditional crop insurance that relies on yield-based assessments, WBCIS uses weather parameters such as rainfall, temperature, and humidity as "proxies" to calculate losses. This innovative approach ensures faster claims processing and transparency, providing a lifeline to farmers nationwide.

Objective of Weather Based Crop Insurance Scheme

The Weather Based Crop Insurance Scheme aims to safeguard farmers from financial distress caused by unpredictable weather. Key objectives include:

- Mitigating crop losses due to adverse weather conditions like drought, excess rainfall, and frost.

- Encouraging farmers to adopt modern and resilient farming techniques.

- Providing financial stability and enhancing confidence in agricultural practices.

- Promoting the use of technology for weather data collection and assessment.

- Offering faster and transparent claim settlements based on weather triggers.

Benefits You Deserve

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विस्तृत कव्हरेज

Choose your coverage as per your requirement

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वेलनेस सवलत

Stay fit during the policy year and enjoy 12.5% discount on renewal

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Reinstatement Benefits

Unlimited reinstatement of the sum insured upto 100% SI after its depletion

Benefits of Restructured Weather Based Crop Insurance Scheme

The Restructured Weather Based Crop Insurance Scheme (RWBCIS) provides several benefits:

- Reduced Risk: Farmers are safeguarded against weather uncertainties.

- Cost-Effective: Affordable premiums ensure easy accessibility.

- Quick Claims: Automated processes enable faster payouts.

- Enhanced Transparency: Weather data ensures impartial claim settlements.

- Wider Reach: Covers food crops, oilseeds, and commercial crops.

By addressing both financial and operational challenges, RWBCIS strengthens the agricultural ecosystem.

Comparison between National Agricultural Insurance Scheme (NAIS) and Weather Based Crop Insurance Scheme (WBCIS)

While both schemes aim to protect farmers, WBCIS offers a more streamlined and efficient approach. Here's a comparison:

- Risk Coverage: NAIS covers all risks, including pest infestations, while WBCIS focuses on weather-related risks like rainfall, temperature, and humidity.

- Data Requirements: NAIS relies on historical yield data (10+ years), whereas WBCIS requires up to 25 years of weather data.

- Claim Assessment: NAIS involves crop-cutting experiments, making it time-consuming. WBCIS eliminates this process by using weather data for quicker claim settlements.

- Transparency: WBCIS offers higher transparency as it uses objective weather parameters for payouts.

- Cost: NAIS incurs high assessment costs, while WBCIS significantly reduces these costs through its parametric model.

How Does the Weather Based Crop Insurance Scheme (WBCIS) Operate?

The Weather Based Crop Insurance Scheme operates on an “Area Approach,” ensuring uniformity in claim assessments for all farmers within a designated area. Key operational aspects include:

- Reference Unit Area (RUA): Defined by the State Government, this is the basis for compensation.

- Weather Triggers: Payouts are triggered based on deviations in weather parameters like rainfall or temperature from pre-defined norms.

- Reference Weather Stations (RWS): Each RUA is linked to an RWS that collects data to assess claims.

- Adverse Weather Incidences: Farmers are compensated when adverse weather conditions result in crop losses as per the predefined thresholds.

This area-based model simplifies claim processing and ensures timely payouts for affected farmers.

*प्रमाणित अटी लागू

कव्हर केलेले शेतकरी

All the farmers including sharecroppers and tenant farmers growing the notified crops in the notified areas are eligible for coverage under this scheme. However, farmers should have insurable interest on the insured crop. The non-loanee farmers are required to submit necessary documentary evidence of land records and/or applicable contract/ agreement details (in case of sharecroppers / tenant farmers).

अधिसूचित केलेल्या पिकांसाठी आर्थिक संस्थांकडून हंगामी कृषी ऑपरेशन्स (एसएओ) कर्ज घेणारे सर्व शेतकरी (म्हणजेच कर्जदार शेतकरी) अनिवार्यपणे कव्हर केले जातात.

The Scheme is optional for the non-loanee farmers. They can choose between WBCIS and PMFBY, and also the insurance company based on their requirements.

Weather Perils Covered Under WBCIS

The Weather Based Crop Insurance Scheme offers protection against a variety of weather-related risks, including:

- Rainfall: Deficit, excess, unseasonal rainfall, dry spells, or rainy days.

- Temperature: Extreme heat or cold.

- Humidity: Deviations in relative humidity.

- Wind Speed: High wind speeds lead to crop damage.

- Add-on Coverage: Hailstorms and cloudbursts, provided farmers have basic coverage.

These parameters are designed to address the diverse challenges faced by farmers.

Premium Rates of Weather Based Crop Insurance Scheme

The premium rates for WBCIS are designed to be affordable for farmers while ensuring comprehensive coverage:

1. Kharif Season: 2% of the Sum Insured (SI) for food and oilseed crops.

2. Rabi Season: 1.5% of the SI for food and oilseed crops.

3. Commercial/Horticultural Crops: 5% of the SI for both Kharif and Rabi seasons.

The government subsidises the remaining premium amount, ensuring that farmers pay only a nominal share.

जोखीमीचा कालावधी (इन्शुरन्स कालावधी)

जोखीमीचा कालावधी आदर्शपणे पिकाच्या पेरणीपासून ते त्याच्‍या परिपक्वतेपर्यंत असेल. पीक आणि निवडलेल्या हवामानाच्या मापदंडांनुसार जोखीम कालावधी वैयक्तिक पीक आणि संदर्भ युनिट क्षेत्रानुसार बदलू शकतो. जोखीम कालावधीच्या सुरूवातीपूर्वी पीक विम्यावरील राज्यस्तरीय समन्वय समितीद्वारे (एसएलसीसीसीआय) ते सूचित केले जाईल.

How to Apply for Weather Based Crop Insurance Scheme?

Farmers can apply for WBCIS through the following steps:

- Visit the nearest bank or agricultural cooperative offering WBCIS.

- Submit required documents, such as land ownership proof or tenancy agreements.

- Choose the desired coverage between WBCIS and PMFBY based on specific needs.

- Pay the premium, either directly or through financial institutions, for loanee farmers.

- Ensure all details are accurately recorded to facilitate smooth claim processing.

क्लेम

1. अहमदनगर

2. हिंगोली

3. बीड

4. अमरावती

5. औरंगाबाद

6. जळगाव

7. लातूर

8. पालघर

9. परभणी

10. सांगली

11. सातारा

12. ठाणे

13. सोलापूर

14. वाशिम

15. यवतमाळ

Claim Procedure of Weather Based Crop Insurance Scheme

Claim settlement under WBCIS is streamlined for faster resolution. Key steps include:

- Claims are triggered automatically based on weather data from notified Reference Weather Stations (RWS).

- Weather deviations are assessed against pre-defined triggers for each crop and region.

- Farmers do not need to file individual claims; payouts are processed automatically.

- Payouts are credited directly to farmers' accounts, reducing delays.

- The process ensures complete transparency, relying on government-verified weather data.

This efficient process minimises bureaucratic hurdles and provides timely relief to farmers.

*Claims are subject to terms and conditions set forth under the insurance policy.

बॅजिक सहभाग

- वित्तीय वर्ष 2016-17 मध्ये, आंध्र प्रदेश, छत्तीसगड, महाराष्ट्र आणि तेलंगणा राज्यात बॅजिकने आरडब्लूबीसीआयएस राबविले.

- वित्तीय वर्ष 2017-18 मध्ये, छत्तीसगड, महाराष्ट्र, तेलंगणा आणि उत्तर प्रदेशमध्ये बॅजिकने आरडब्लूबीसीआयएस राबविले.

- वर्तमान वर्षात आम्ही राजस्थान, उत्तर प्रदेश आणि छत्तीसगडमध्ये आरडब्लूबीसीआयएस लागू केले आहेत.

- Click here for the approved farmers list - Rabi 17-19 - Maharashtra.

- Click here for Rabi 2017 Claim per unit summary (MH)

- Click here for Rabi 2016 Claim per unit summary (MH)

Secure Your Crops with Weather-Based Insurance Today!

The Weather Based Crop Insurance Scheme (WBCIS) is a game-changer for Indian agriculture, offering a cost-effective and transparent solution to mitigate weather-induced crop losses. Its innovative approach not only empowers farmers but also ensures sustainability in farming practices. By leveraging weather data and technology, WBCIS addresses the unique challenges of Indian agriculture, providing timely support and financial security to farmers.

Bajaj Allianz General Insurance Company remains committed to promoting this revolutionary insurance model, ensuring better resilience and growth for India’s agricultural sector.

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एफएक्यू

Who introduced weather-based crop insurance?

The Weather Based Crop Insurance Scheme (WBCIS) was launched by the Government of India to provide financial security to farmers against unpredictable weather. By using weather parameters as indicators, it ensures timely compensation for crop losses due to adverse conditions such as drought, excess rainfall, or heatwaves. This innovative scheme reduces dependence on traditional yield-based assessments, offering the farming community a faster and more transparent insurance process.

What are the types of crop insurance?

Yield-Based Insurance: This covers financial losses due to reduced agricultural yields caused by factors like pests, diseases, or natural calamities. It focuses on crop productivity and compensates farmers when the actual yield falls below the insured threshold.

Weather-Based Insurance: This provides protection against weather-related risks, such as drought, heavy rainfall, or temperature fluctuations. Claims are settled based on deviations from predefined weather parameters, ensuring quicker payouts and minimal administrative delays.

एका शेतकऱ्यासाठी सम इन्श्युअर्ड/कव्हरेज मर्यादा किती आहे?

मागील वर्षांमध्ये संबंधित पिकाचे वित्त किंवा सरासरी उत्पन्नाच्या आधारावर जिल्हा स्तरीय तांत्रिक समिती आणि पिकाची किमान सहाय्य किंमत सम इन्श्युअर्ड निर्धारित करते. 

खरीप आणि रबी हंगामासाठी क्रॉप इन्श्युरन्समध्ये नोंदणी करण्याची अंतिम तारीख काय असेल?

हे पीक जीवनचक्र आणि संबंधित राज्य सरकारच्या नोटिफिकेशन वर अवलंबून आहे.

क्रॉप इन्श्युरन्ससाठी प्रीमियम रेट्स आणि प्रीमियम सबसिडी किती असते?

कार्यान्वयन अंमलबजावणी करणारी एजन्सी (IA) द्वारे PMFBY अंतर्गत ॲक्चुरिअल प्रीमियम रेट (APR) आकारण्यात येईल. शेतकऱ्यांना भरावा लागणाऱ्या इन्श्युरन्स खर्चाचा दर खाली दिलेल्या टेबलनुसार असेल:

हंगामपिकेफार्मर प्रीमियम रेट द्वारे देय कमाल इन्श्युरन्स शुल्क (सम इन्श्युअर्डच्या %)
खरीपअन्न धान्य आणि तेलबिया पिके (अन्नधान्य, डाळी आणि तेलबिया)2.0%
रब्बीअन्न धान्य आणि तेलबिया पिके (अन्नधान्य, डाळी आणि तेलबिया)1.5%
खरीप आणि रब्बीवार्षिक व्यावसायिक/वार्षिक बागायती पिके5%

पीएमएफबीवाय स्कीम मध्ये कोणत्या जोखीम समाविष्ट आहेत?

पीएमएफबीवाय स्कीम अंतर्गत कव्हर्ड जोखीम:

Basic Cover: The basic cover under the scheme covers the risk of loss of yield to standing crop (sowing to harvesting).This comprehensive risk insurance is provided to cover yield losses on an area based approach basis due to non-preventable risks like drought, dry spells, flood, inundation, wide spread pest and disease attack, landslides, natural fire due to lightening, storm, hailstorm, and cyclone.

Add-On Coverage: Apart from the mandatory basic cover, the State Governments/UTs, in consultation with the State Level Coordination Committee on Crop Insurance (SLCCCI) may choose any or all of the following add-on covers based on the need of the specific crop/area in their State to cover the following stages of the crop and risks leading to crop loss:-

● Prevented Sowing/Planting/Germination Risk: Insured area is prevented from sowing/planting/germination due to deficit rainfall or adverse seasonal/climatic conditions.

● Mid-Season Adversity: Loss in case of adverse seasonal conditions during the crop season viz. floods, prolonged dry spells and severe drought etc., wherein expected yield during the season is likely to be less than 50% of the normal yield. This add-on coverage facilitates the provision for immediate relief to insured farmers in case of occurrence of such risks.

● Post-Harvest Losses: Coverage is available only up to a maximum period of two weeks from harvesting, for those crops which are required to be dried in cut and spread / small bundled condition depending on requirement of the crops in that area, in the field after harvesting against specific perils of hailstorm, cyclone, cyclonic rains and unseasonal rains.

● Localized Calamities: Loss/damage to notified insured crops resulting from occurrence of identified localized risks of hailstorm, landslide, inundation, cloudburst and natural fire due to lightening affecting isolated farms in the notified area.

बिगर-कर्जदार शेतकरी हे पीएमएफबीवाय स्कीम मध्ये नोंदणी कशी करू शकतात?

बिगर कर्जदार शेतकरी स्कीमचे ॲप्लिकेशन भरून आणि देय तारखेपूर्वी खालीलपैकी कोणत्याही स्कीम मध्ये सबमिट करून पीएमएफबीवाय स्कीम मध्ये नोंदणी करू शकतात:

● नजीकची बँक शाखा

● कॉमन सर्व्हिस सेंटर (सीएससी)

● अधिकृत चॅनेल पार्टनर

● इन्श्युरन्स कंपनीचे इन्श्युरन्स मध्यस्थ, शेतकरी वैयक्तिकरित्या नॅशनल क्रॉप इन्श्युरन्स पोर्टल www.pmfby.com वर जाऊ शकतात देय तारखेपूर्वी आणि ऑनलाईन ॲप्लिकेशन फॉर्म भरा.

या स्कीम मध्ये सहभागी होण्यासाठी बिगर कर्जदार शेतकऱ्यांना कोणते डॉक्युमेंट्स आवश्यक आहेत?

बिगर कर्जदार शेतकऱ्यांना या स्कीम मध्ये त्यांच्या सहभागासाठी खालील डॉक्युमेंट्स सबमिट करणे आवश्यक आहे:-

1. जमीन मालकीचे डॉक्युमेंट्स – (मालकीहक्क कागदपत्रे (आरओआर), जमीन मालकीचे प्रमाणपत्र (एलपीसी) इ.

2. आधार कार्ड

3. बँक पासबुक (त्यामध्ये स्पष्टपणे शेतकऱ्याचे नाव, अकाउंट नंबर/आयएफएससी कोड असणे आवश्यक आहे)

4. पीक पेरणी प्रमाणपत्र (राज्य सरकारच्या अधिसूचनेत अनिवार्य असल्यास) भाडेतत्वावरील शेतकर्‍यांसाठी जमीन मालकीचा पुरावा/कराराचे डॉक्युमेंट किंवा संबंधित राज्य सरकारने सूचित केलेले इतर कोणतेही डॉक्युमेंट. 

कर्जदार शेतकरी इन्श्युअर्ड पिकांमध्ये बदल करू शकता का आणि केव्हा पर्यंत ?

संबंधित राज्य सरकारद्वारे निश्चित नाव नोंदणीच्या शेवटच्या तारखेपूर्वी कर्जदार शेतकरी इन्श्युअर्ड पिकांमध्ये दोन दिवस आधी बदल करू शकतात.

ते बदल करण्यासाठी, शेतकरी संबंधित बँक शाखेला भेट देऊ शकतात आणि आवश्यक माहिती प्रदान करू शकतात. 

When should I report the crop loss?

Report any damage within 72 hours of the loss to ensure smooth assessment and faster claim processing.

How will I know if I have received the claim?

You can track it via the reference number given by your insurer or bank. They may also credit the sanctioned amount directly to your registered bank account.

What is the premium amount for Pradhan Mantri Fasal Bima Yojana, and how is it calculated?

PMFBY premiums are calculated as a percentage of the sum insured, which depends on the crop’s yield, area, and MSP. PMFBY premiums are 2% for Kharif, 1.5% for Rabi, and 5% for commercial crops, based on the sum insured.

स्थानिक आपत्तींमुळे पीक नुकसानीच्या घटनांविषयी माहिती देण्याची प्रक्रिया काय आहे?

It is mandatory to inform about crop loss within 72 hours of the calamity through any of the following medium.

● Toll free number 1800-209-5959

● फार्ममित्र- केअरिंगली युवर्स ॲप

● क्रॉप इन्श्युरन्स ॲप

● एनसीआयपी पोर्टल

● नजीकची इन्श्युरन्स कंपनी ऑफिस/शाखा

● नजीकची बँक शाखा / कृषी विभाग (लिखित स्वरुपात)

जुळत नसल्यास शेतकरी बँक अकाउंट तपशिलामध्ये बदल करू शकतात का?

होय, जर पीएमएफबीवाय पॉलिसीमध्ये अकाउंट तपशील जुळत नसेल तर फार्ममित्र ॲप अकाउंट दुरुस्तीचे हे वैशिष्ट्य प्रदान करते.

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