Implementation of Pradhan Mantri Fasal Bima Yojana in the State from Kharif 2020 to Rabi 2022-23.

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Haryana Government Gazette

Published by Authority

© Government of Haryana No. 33-2020] CHANDIGARH, TUESDAY, AUGUST 18, 2020 (SRAVANA 27, 1942 SAKA)

PART-I

Notifications, Orders and Declarations by Haryana Government

HARYANA GOVERNMENT

AGRICULTURE AND FARMERS WELFARE DEPARTMENT

Notification

The 15th July, 2020

No. 1307-Agri.II-(2)-2020/3968.— The Governor of Haryana is pleased to notify there as, crops, indemnity level, sum insured, insured unit, premium rates and seasonality disciplines etc. for the implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY) in the State From Kharif 2020 to Rabi 2022-23, as per Administrative Approval of Govt. of India, Ministry of Agriculture and Farmers Welfare, Department of Agriculture, Cooperation and Farmers Welfare vide their reference No. 13015/02/2015-Credit II, dated 28.02.2020, as under:-

2. Insurance Unit (IU)

The PMFBY will operate on the principle of "Area Approach "in the Insurance Unit (IU). The IU will be the revenue estate (village).

3. Cluster

(1937)1938 HARYANA GOVT. GAZ., AUG. 18, 2020 (SRVN. 27, 1942 SAKA) [PART I

4. Enrollment of Farmers: -

The scheme is optional for all farmers. Existing loanee farmers will be given a provision to opt-out from the Schemes by submitting requisite declaration to concerned bank branches any time during the year but at least seven days prior to the cut-off date for enrolment of farmers for the respective seasons. Bank/CSC shall also maintain proper records of farmer declarations. Whereas non loanee farmers can submit online or physical copy as applicable i.e. evidence of land record, crop and owner ship/share cropper/tenant farmers.

5. Coverage of Risks: - Only following stages of the crop risks leading to crop loss are covered under the Scheme.

i. Standing Crop (Sowing to Harvesting): Comprehensive risk insurance is provided to cover yield losses due to non-preventable risks, viz. Drought, Dry spell, Flood, Inundation, widespread Pests and Disease attack, Lightening, Storm/Hailstorm.

ii. 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 in the field after harvesting against specific perils of Hailstorm, Cyclonic rains and Unseasonal rains.

iii. Localized Calamities: Loss/damage to notified insured crops resulting from occurrence of identified localized risks of Hailstorm, Inundation, Cloud burst and lightening affecting isolated farms in the notified area. Inundation peril is not applicable in case of hydrophilic crops like Paddy, Sugarcane as per condition mentioned in 25.5.9.1 (2) of revised operational guideline of Pradhan Mantri Fasal Bima Yojana. Localized calamities peril will applicable up to 15 days prior to harvesting. Cutoff date for receiving application of localized calamities is placed at annexure-'X'.

iv. Farmers should be intimate about their crop loss under localized calamity within 72 hrs. From the date of loss/incident through personally and call center.

v. General exclusions: Losses arising out of war and nuclear risks, malicious damage and other preventable risks.

vi. Risk inception date: - The risk under PMFBY will commence from the date of notification of the scheme.

vii. Add-on coverage for crop losses due to attack by wild animals: The add-on coverage will be optional for the farmers and notional premium will be borne by the farmer. Add on coverage for crop loss due to attack by wild animal will be subjected to SOP issued by GoI.

viii. Yield loss damage for localized calamities and post-harvest losses will be assessed on the basis of individual insured farm level and hence lodging of loss intimation by farmer/designated agencies is essential. For remaining risks losses are due to widespread calamities. Hence lodging of intimation for claims by insured farmers / designated agencies for such wide spread calamities is not essential. Claims will be calculated based on the result of Crop Cutting Experiments.

7. Indemnity level

The indemnity level will remain same as 90% from Kharif 2020 to Rabi 2022-23.

8. Threshold Yield:- Threshold yield for calculation of claim under wide spread calamities will be same for contract period of three years.

9. (I) Assessment of Yield of Cotton crop will be based on Minimum two pickings.

(II) Threshold & Actual Yield for Paddy will be given in Rice

(III) Threshold & Actual Yield for Cotton will be given in Lint.

10. Irrespective of picking in case nil Yields is reported during Crop Cutting Experiment on first visit on account of lack of cotton ball formation, the zero Yield will be mentioned by the team in the CCEs Performa instead of keeping blank.

11. Sum Insured The Sum insured Per Hectare of notified crops will be given as under.

12. Farmers Premium: - Farmer's premium will be 1.50% for Rabi, 2% for Kharif crops and 5% for Cotton crop. Cluster wise, District wise, Crop wise Farmers Share, State, Share, and Central Share is placed at Annexure: "A".

13. Subsidy: The difference between the actuarial premium rate and farmer share would be equally borne by the State Government and Central Government in the ratio of 50:50 up to 25% premium rate. Additional premium above 25% will be borne by State Government.

14. All insured area in Haryana will be considered as irrigated area. 15. Claim liability: Implementing Agency shall be responsible to settle all the admissible claims due to the conditions/eventualities as detailed in revamped operational guidelines of PMFBY. Implementing agency shall be responsible for payment of claims up to the ceiling as mentioned in the revamped operational guidelines of PMFBY. The claim should be settled within the prescribed time limits after receipt of yield data i.e. after 30 days of receiving yield data. Penal interest @ 12% per annum will be recovered on admissible pending claims amount, if Insurance Companies keep claims pending beyond 30 days after providing yield data to Insurance Company and releasing all admissible subsidies for the crops.

16. Bank Services Charges: CSC/Bank services charges will be applicable as per revamped Guideline issued by Govt. of India. 17. Seasonality discipline:- The seasonality discipline for Kharif 2020 to Rabi 2022-23 is as under:-

(i) Ensuring payment of bank/intermediary service charges to bank, CSC and other financial institutions. (ii) Providing monthly progress returns/ statistics/ information to State and Central Government. (iii) Facilitate the bank branches/ intermediaries/ agents to upload the details of insured farmers and beneficiaries with all requisite details on Crop Insurance portal well in time.

(iv) Redressal of all Public Grievances within the time fixed as per revamped operational guidelines of PMFBY.

(v) The coverage of farmers should be carried out by insurance companies themselves, use of agents etc. (vi) Claim processing and payment to Banks/Farmers within the prescribed timelines. Claim should be processed through DBT to beneficiaries and not to the bank branches.

(vii) The claim should be settled within the prescribed time limits after receipt of yield data. Penal interest @ 12% per annum will be recovered on admissible pending claims amount, if Insurance Companies keep claims pending beyond 30 days after providing yield data to Insurance Company and releasing all admissible subsidies.

(viii) As per revised condition, the Insurance Companies should "facilitate the bank branches / intermediaries / agents to upload the details of insured farmers and beneficiaries with all requisite details on crop insurance portal well in time".

(ix) Distribution of Declaration form/proposal form to bank/financial institution branch. (x) Submission of reports to State and Central Government. (xi) Adequate publicity needs to be conducted in all the villages of the notified districts/areas. All possible means of electronic and print media, farmer's fair, exhibitions, SMS, short films, and documentaries shall be utilized to create and disseminate awareness about provisions and benefits of the Scheme among the cultivators and the agencies involved in implementing the Scheme. Department of Agriculture & Farmers Welfare, Haryana shall work out appropriate plan for awareness generation and publicity. Similarly, Insurance Companies will conduct Publicity and Awareness immediately on receipt of award of work. Implementing agencies advise to conduct publicity campaign throughPART I ] HARYANA GOVT. GAZ., AUG. 18, 2020 (SRVN. 27, 1942 SAKA) 1941 Directorate of Information, Public Relation and Languages, Haryana in consultation with the Department of Agriculture & Farmers Welfare, Haryana. Expenditure on publicity campaign will be borne by the concerned insurance company.

(xii) The selected insurance companies shall provide farmers wise list of beneficiaries along with amount credited and UTR number within one month of cut-off date notified for the respective seasons.

(xiii) The selected insurance company shall provide list of insured farmers along with policy number, insured name, premium debited amount and area insured same has to be sent to each farmer via SMS in their respective mobile numbers.

(xiv) Department is intended to create Crop Simulation Library; therefore, the selected insurance company shall provide 25% temporal Ground Truth Points (GTP) four times in each season of total number of insured farmers for area insured and crop sown, this data should be sync with PMU situated at Directorate level.

(xv) The selected insurance company shall upload the data of beneficiaries on web portal of the Department/ Government strictly within the timelines as mentioned in revamped operational guidelines of PMFBY.

(xvi) State Govt. shall declare concerned weather data provider/ expert agency whose report/ methodology would be used in assessing the extent of losses and computation of claims. The service provider will be finalized by State Govt. Insurance Company are bound to pay the payment as fixed by State Govt. Cost of such weather data shall be borne by the concerned Insurance Companies as per the notified monthly rates. The notified AWS and ARG should fulfill/ meet the standards/ norms/ criteria specified by the concerned authorities from time to time. Detailed of Notified Automatic Station/Automatic Rain Gauges is placed at Annexure:-"B".

(xvii) The selected insurance agency shall open State Level Office in the premises of Directorate of Agriculture and Farmers Welfare, Krishi Bhawan, Sector 21, Panchkula. District/Block level offices shall open at district/Block head office with the consent of Concern Deputy Director Agriculture. Office space can be in the office of Deputy Director Agriculture/ Block Agriculture office subject to availabilities of space.

(xviii) Joint Call center will be start by Insurance companies just after the notification. (xix) The selected insurance companies must deploy well qualified and trained persons at Block level. Implementing Agency must open exclusive offices at district and block level with landline phone number after due clearance of respective DDA,

(xx) Time frame for loss assessment (Localized risks, mid-term adversities, post-harvest loss) and submission of report: (a) The Insurance Company shall appoint well qualified loss assessors for assessment of localized claims as per the revamped operational guidelines of PMFBY.

(b) Shall appoint loss assessor within 72 hours of reporting of localized risk. (c) Shall complete the loss assessment process within next 10 days. (d) Claim payment of affected farmers within 15 days from receipt of loss assessment report and receipt of 50% Govt. Subsidy.

(e) The assessment of affected area shall be done in terms of proportion of input cost attached at annexure-'C'.

(xxi) The Insurance Company shall verify the data of insured farmers pertaining to area insured, area sown, address, bank account number (KYC) as provided by the banks independently on its own cost within two months of the cut-off date and in case of any correction must report to the state government failing which no objection by the Insurance Company at a later stage will be entertained and it will be binding on the Insurance Company to pay the claim.

(xxii) The Insurance Company shall accept the data generated by use of technology such as GT, remote sensing, drone, automated weather stations etc. used by the Government for verification of crops, area discrepancies, loss due to localized risks, midterm losses, yield losses etc. In case the data generated by technology is verified and supported by ground truth, the Insurance Company shall be bound by the said data.

(xxiii) Penal Provision: Selected Insurance Companies have to follow the seasonality discipline and provision of Operational Guidelines and instructions issued by the Government from time to time to ensure benefit of the Scheme is reached within stipulated timelines. Non-adherence of the guidelines and cut- off dates should attract penalty as envisaged in the Operational Guidelines.

19. Role of the State Government

(i) Within reasonable time after sowing State Government will furnish the unit wise notified cropped area sown to respective IA.

(ii) State Government will submit CCE's results of all notified crops for notified area in standard format within stipulated time period to respective IA.

(iii) State Govt. will provide Crop Cutting Experiments data of multi picking crops (Cotton) as per procedure mentioned in revamped operational guidelines of PMFBY issued by GOI.

(iv) Awareness and publicity – extensive efforts to generate publicity and create awareness of PMFBY at grass-root levels.

20. General Terms and Conditions:

i. The selected insurance company will execute Service Level Agreement/MoU with the State Government / its representative which will remain valid for the entire crop insurance period or till the settlement of all claims of that particular season (Kharif or Rabi) whichever is later.

ii. Implementing Agency must have to abide all the terms & conditions of the tender, each deficiency of services will have marking to disqualification/barring that Insurance company from tender process.

iii. Selected insurance companies have to follow the seasonality discipline and provision of revamped Operational Guideline and instruction issued by the Government from time to time to ensure benefit of the scheme is reached within stipulated timelines. Non-adherence of the guideline and cut-off dates should attract penalty as envisaged in the operational Guidelines. iv. Smart sampling will be carried out as per the direction of Govt. of India. v. Use of technology will be as per the direction of Govt. of India. vi. All grievances will be addressed/resolved in District level Monitoring Committee and Insurance companies are bound to compliance the decision within 15 days or appeal in higher appealing authorities. After 15 days concern insurance companies are liable to pay the claim to farmers as per decision of DLMC.

vii. The Crop loss assessment during wide-spread calamities for standing crop will be estimated through crop cutting experiment. The modalities mentioned in operational guideline of PMFBY shall be followed. If Actual Yield (AY) per Hectare of insured crop for the insurance unit (Calculated on basis of requisite number of CCEs) in insured season, falls short of specified 'Threshold Yield (TY), all insured farmers growing that crop in the defined area are deemed to have suffered shortfall of similar magnitude in yield.

21. ASSESSMENT OF LOSS/SHORTFALL IN YIELD The procedure mentioned in the OGs will be followed for assessment of loss/shortfall in yield.

(a) STANDING CROP (WIDE SPREAD CALAMITIES)

(i) Shortfall in yield will be calculated by comparing the Threshold Yield with the Actual Yield estimated through Crop Cutting Experiments (CCEs). The CCEs will be under taken for different crops on a scale decided by the State Government keeping in view the acreage covered in the scheme in different IUs/Blocks/districts/State.

(ii) In cases where required number of CCEs could not be conducted due to non-availability of adequate cropped area, the yield estimate for such IUs will be made by adopting the yield of next higher unit i.e. block. If the area in the block is also inadequate, the yield of the district will be adopted. If the area in the district is also inadequate, the yield of the State average will be adopted.

(iii) In case of 'On Account Payment of claims due to Mid-Season Adversity', the State Government will issue damage notification keeping in view the likely loss caused to the crops, rain fall data, crop condition reports by field officials, media reports etc.

(iv) A Committee under the chairmanship of SDO (Civil) with Deputy Director Agriculture, Tehsildar concerned and a representative of the Insurance Company as members will submit a report about the eligibility for 'On Account Payment' to the Director of Agriculture and Farmers' Welfare, Haryana through the Deputy Commissioner, as and when such adversity occurs.

(v) 'On Account Payment' of claims will not be admissible if the adversity occurs within 15 days before the normal harvest time of the specified/notified crop.

(b) POST HARVEST LOSSES

(i) The assessment of yield loss will be on individual plot basis in case of occurrence of cyclone, cyclonic rains and unseasonal rains resulting in damage to harvested crop lying in the field in 'cut and spread' condition, up to a maximum period of 14 days from harvesting.

(ii) The Implementing Agency will appoint Loss Assessors in sufficient number having the qualifications provided in OGs, for assessment of losses due to the operations of post-harvest losses.

(iii) The loss will be jointly assessed by a team comprising of the Block Agriculture Officer, Loss Assessors and the concerned farmer.

(d) LOCALIZED RISKS

(i) The assessment of yield loss will be on individual plot basis in case of occurrence of localized perils/calamites viz Hailstorm, Inundation, Cloud burst and lightening affecting part of the IU or a plot.

(ii) The Implementing Agency will appoint Loss Assessors in sufficient number having the qualifications provided in OGs, for assessment of losses due to the operations of localized risks.

(iii) The loss will be jointly assessed by a team comprising of the Block Agriculture Officer, Loss Assessors of the Insurance Company and the concerned farmer.

(iv) If the affected area under a notified crop is more than 25% of the total insured area in the IU, all the eligible farmers as per Para (XV) (1)(A)(v) of the OG, would be eligible for financial support. Percentage of loss would be arrived at by requisite percentage of sample survey (as decided by the Committee of SDO (Civil), Deputy Director Agriculture, Tehsildar concerned and a representative of the Insurance Company) of affected area.

(v) In case the representative of the implementing agency, wherever part of a Committee, is not available/ does not attend the meeting of the Committee or accompany during inspections, the other members of the committee will take appropriate decision in the light of the prevailing fact sand circumstances, which will be final.

22. Collection Of Proposals And Premium From Farmers

(i) The bank's branches will submit the consolidated proposals to the implementing agencies well within the stipulated cut-off dates and also upload the soft copy of insured details in crop insurance portal. The declarations/ proposals format shall contain the details as per the format provided in the crop insurance portal.

(ii) The banks will also submit a weekly progress report of the number of farmers insured, area covered and premium collected to the Director Agriculture and Farmers' Welfare, Haryana & the concerned implementing agencies.

(iii) For any reason if a farmer changes the crop planned earlier, he should intimate the change to insurance company, at least 2 days before the cut-off date for buying insurance, through the Bank/Insurance Company/Insurance intermediary.

23. Acreage Discrepancy The Insurance Company and Banks will ensure that no case of over insurance' takes place. Any discrepancy in this regard will be rectified by the insurance company with the help of land records, bank records, and proposals/applications of farmers.

24. Monitoring of the scheme

(i) The insurance company will ensure that about 5% of the beneficiaries are verified by their Regional Offices/Local level Offices and report is sent to the District Level Monitoring Committee (DLMC). (ii) The DLMC will cross verify at least 10% of the beneficiaries and send report to the Director, Agriculture and Farmers' Welfare Department, Haryana.

(iii) 1 to 2% of the beneficiaries will be verified by the Head Office of the Insurance Company and report sent to the Central Government.

25. ROLES AND RESPONSIBILITIES OF VARIOUS AGENCIES The roles and responsibilities of various agencies i.e. Central Government, State Government, Insurance Companies, Financial Institutions/ Banks, Insurance agents and Farmers will be as mentioned in the OGs.

SANJEEV KAUSHAL,

Additional Chief Secretary to Government Haryana,

Agriculture and Farmers Welfare Department.

Annexure-A Sum Insured, Premium and Subsidy Cluster-I

Conversion of Farmers share in Acres/Kanal/Marla 1. Premium for one acre = 0.404686 x premium for one Hect.

2. Premium for one Kanal = 0.0505857 x premium for one Hect.

3. Premium for one Marla = 0.00252929 x premium for one Hect.

Annexure-A

Sum Insured, Premium and Subsidy Cluster-I

1. Premium for one acre = 0.404686 x premium for one Hect.

2. Premium for one Kanal = 0.0505857 x premium for one Hect.

3. Premium for one Marla = 0.00252929 x premium for one Hect.

Annexure-A Sum Insured, Premium and Subsidy Cluster-I

1. Premium for one acre = 0.404686 x premium for one Hect.

2. Premium for one Kanal = 0.0505857 x premium for one Hect.

3. Premium for one Marla = 0.00252929 x premium for one Hect.

Annexure-A

Sum Insured, Premium and Subsidy

Cluster-II

Conversion of Farmers share in Acres/Kanal/Marla 1. Premium for one acre = 0.404686 x premium for one Hect. 2. Premium for one Kanal = 0.0505857 x premium for one Hect. 3. Premium for one Marla = 0.00252929 x premium for one Hect.

Annexure-A

Sum Insured, Premium and Subsidy

Cluster-II

1. Premium for one acre = 0.404686 x premium for one Hect.

2. Premium for one Kanal = 0.0505857 x premium for one Hect.

3. Premium for one Marla = 0.00252929 x premium for one Hect.

Annexure-A

Sum Insured, Premium and Subsidy

Cluster-II

1. Premium for one acre = 0.404686 x premium for one Hect.

2. Premium for one Kanal = 0.0505857 x premium for one Hect.

3. Premium for one Marla = 0.00252929 x premium for one Hect.

Annexure-A Sum Insured, Premium and Subsidy Cluster-III

Conversion of Farmers share in Acres/Kanal/Marla 1. Premium for one acre = 0.404686 x premium for one Hect. 2. Premium for one Kanal = 0.0505857 x premium for one Hect. 3. Premium for one Marla = 0.00252929 x premium for one Hect.

Annexure-A Sum Insured, Premium and Subsidy Cluster-III

Year 2021-22

1. Premium for one acre = 0.404686 x premium for one Hect.

2. Premium for one Kanal = 0.0505857 x premium for one Hect.

3. Premium for one Marla = 0.00252929 x premium for one Hect.

Annexure-A Sum Insured, Premium and Subsidy Cluster-III

Conversion of Farmers share in Acres/Kanal/Marla 1. Premium for one acre = 0.404686 x premium for one Hect. 2. Premium for one Kanal = 0.0505857 x premium for one Hect. 3. Premium for one Marla = 0.00252929 x premium for one Hect.

Annexure-B

Annexure-C

Input Cost for 2020-21