Continuous rainfall across several states has caused
massive crop damage, leaving farmers among the worst affected. From floods in the plains to landslides in hilly regions, standing crops have suffered heavily. For those insured under
Pradhan Mantri Fasal Bima Yojana (PMFBY), timely compensation can provide crucial relief. But many claims fail due to avoidable mistakes. Here’s how farmers can file claims
without hurdles.
1. What is PM Fasal Bima Yojana?
Launched by the
central government, PMFBY allows farmers to
insure their crops, including:
Rabi crops (winter crops)
Kharif crops (monsoon crops)
Horticultural or commercial cropsThe scheme is highly
affordable:
Rabi crops: 1.5% premium
Kharif crops: 2% premium
Commercial/horticultural crops: 4% premiumThe remaining premium is shared between
central and state governments. In case of crop loss due to
natural calamities, pests, or diseases, farmers can claim financial compensation from the insurance company.
2. Mistakes Farmers Must Avoid While Filing Claims
Even the best insurance schemes won’t help if claims are submitted incorrectly. Here are
three common mistakes to avoid:
Mistake 1: Not Reporting the Damage on Time
Delaying the report of crop loss is one of the
most common errors.
Timeline: Crop damage must be reported
within 72 hours of the disaster.
How to Report:PMFBY
mobile appNearest agriculture officeInsurance company directlyLate reporting often results in
claim rejection, so prompt action is crucial.
Mistake 2: Providing Wrong or Incomplete Information
Submitting inaccurate or incomplete information is another reason claims get delayed or rejected. Farmers should ensure the claim form includes:Correct
crop nameSeason details (Rabi/Kharif)
Bank account detailsLand recordsRegistered
mobile numberAccurate description of
crop lossTip: Double-check every detail before submission to avoid unnecessary delays.
Mistake 3: Ignoring Required Documents
Incomplete documentation is a major reason for claim denial. Essential documents include:
Recent photographs of the damaged crops
Aadhaar card copyBank account detailsLand ownership or tenancy documentsEnsure
all required proofs are attached, as missing documents can make your claim
invalid.
3. Where to Report Crop Loss
Farmers can report crop damage through multiple channels:
PM Fasal Bima Yojana mobile appNearest agriculture department officeDirect contact with insurance companyPMFBY helpline: 14447Prompt reporting and proper documentation
ensure faster compensation.
4. Final Word
The
Pradhan Mantri Fasal Bima Yojana is a lifeline for farmers during natural disasters like floods, unseasonal rains, or landslides. However, mistakes in filing claims can prevent farmers from receiving timely relief.
Key Takeaways:Report crop damage promptly (within 72 hours)
Provide accurate and complete information in the claim form
Attach all required documents before submissionBy following these simple steps, farmers can secure
financial assistance without unnecessary hurdles. For millions affected by recent heavy rains,
timely action can make the difference between relief and loss.