Presentation on Crop Insurance by P. Nagarjun Ex. General Manager AIC Technical Consultant / OSD, Department of Agri. Govt. of A.P.

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1 Presentation on Crop Insurance by P. Nagarjun Ex. General Manager AIC Technical Consultant / OSD, Department of Agri. Govt. of A.P.

2 Indian Agriculture Major causes of Damage Drought / Dry Spell Heavy Rains Floods and inundation Cyclones Localised calamities like Land Slides and Hail Storms etc. Pests and Diseases

3 OBJECTIVES OF CROP INSURANCE SCHEMES IN INDIA * To provide a measure of financial support to farmers in the event of a crop failure as a result of drought, flood etc * To restore the credit eligibility of farmers after a crop failure, for the next season * To support and stimulate production of cereals, pulses and oilseeds * To stabilise farmers income

4 Special focus on Crop Insurance by the Government of India Comprehensive Crop Insurance Scheme (CCIS) 1985 to National Agriculture Insurance Scheme (NAIS) Kharif 2000 onwards Weather Based Crop Insurance Scheme (WBCIS) Kharif 2009 onwards Modified National Agriculture Insurance scheme (MNAIS) Rabi onwards: NCIP ONWARDS

5 NATIONAL AGRICULTURAL INSURANCE SCHEME (NAIS) onwards All Risk Insurance Area Approach Covers Cereals, Millets, Pulses, Oilseeds, & Commercial and Horticultural crops Farmers availing credit - on compulsory basis Farmers not having credit - Voluntary Sum insured is equal to loan availed and higher limit option Premium subsidy for S & M farmers Claims Settlement - through crop estimation Government Support

6 Crops covered under NAIS KHARIF PADDY, JOWAR, BAJRA, MAIZE, BLACKGRAM, GREENGRAM, REDGRAM, GROUNDNUT (I), GROUNDNUT (UI) SUNFLOWER, CASTOR, SUGARCANE (Plant), SUGARCANE( Ratoon) COTTON(I), COTTON (UI), CHILLIES(I), CHILLIES(UI), TURMERIC, KORRA. (19) CROPS RABI PADDY, JOWAR, MAIZE, GREENGRAM, BLACKGRAM, GROUNDNUT, SUNFLOWER, CHILLIES, ONION, BENGALGRAM. (10) CROPS

7 VILLAGE INSURANCE UNIT KHARIF DISTRICT-WISE CROP SELECTED 1 Srikakulam Rice 2 Vizianagaram Rice 3 Vishakhapatnam Rice 4 5 East Godavari (MNAIS) West Godavari (MNAIS) Rice Rice 6 Krishna (MNAIS) Rice 7 Guntur (MNAIS) Rice 8 Prakasham Rice 9 Nellore Rice 10 Kadapa Rice 11 Kurnool Rice 12 Cittoor Rice 13 Karimnagar Rice 14 Nalgonda Rice 15 Khammam Rice 16 Warangal Rice 17 Mahabubnag ar Maize 18 Medak Maize 19 Nizamabad Maize 20 Rangareddy Maize 21 Adilabad Soybean 22 Ananthapur Redgram

8 NAIS - RISKS COVERED Comprehensive risk insurance will be provided to cover yield losses due to non-preventable RISKS (i) Natural Fire and Lightning (ii) Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane, Tornado etc. (iii) Flood, Inundation and Landslide (iv) Drought, Dry spells (v) Pests/ Diseases etc.

9 NAIS - AREA APPROACH Area approach is different from Individual approach, where individual farmer ( farm or house or vehicle ) is treated as one unit. All the farms (farmers) in a homogenous area are treated as single unit of insurance

10 Documents for enrolment of Farmers 1.Crop sown certificate 2.Proposal / declaration form 3.Bank Account No. 4.Crop condition should be satisfactory at the time of enrolment

11 SEASONALITY DISCIPLINE Activity Kharif Rabi Loaning Period Cut-off date for receipt of Declarations Cut-off dates for receipt of proposals from Non-loanee farmers April to September November July October to March May December

12 CROP ESTIMATION SURVEYS Multi Stage, Stratified Random Sampling Actual Yield assessment on the basis of Crop Estimation Surveys comprising of a series of Crop Cutting Experiments (CCE) Size of sampling unit is 5x5 m 2 plot

13 NAIS - INDEMNITY Actual Yield (AY) : Yield of insured crop in the insurance unit estimated on the basis of Crop Cutting Experiments. Threshold Yield (TY) : Moving average of past 5 years (3 for Paddy/Wheat) AY multiplied by the Indemnity Level. Coefficient of Risk Category Indemnity Variation Level =< 15% LOW 90% 16-30% MEDIUM 80% > 30% HIGH 60%

14 NAIS - INDEMNITY If there is a shortfall in the actual yield per hectare of the insured crop as compared to threshold yield, each of the insured farmers growing that crop in the defined area will be eligible for indemnity calculated as under : Shortfall in yield* X sum insured of farmer Threshold yield { * Threshold yield less the actual yield for the defined area}

15 ROLE OF AIC Implementing Agency, Administration. Technical, Rating and Underwriting. Coordination-Publicity Awareness programmes. Claims Processing, Finalization and

16 ROLE OF DISTRICT ADMINSTRATION Setting up District Level Monitoring Committee Organizing publicity and awareness programmes Ensuring improvement in coverage

17 ROLE OF BANKS Educating and guiding the farmers Reporting of all crop loans Maintaining relevant records Crediting the claims amount to farmer s A/c

18 Comparison of performance of A.P Vis-avis- Country under NAIS Particulars Country A.P Farmers Covered Cr Cr. Premium Cr Cr. Claims Paid Cr Cr. Farmers benefited 594 lakhs lakhs

19 MODIFIED NATIONAL AGRICULTURAL INSURANCE SCHEME

20 SPECIAL FEATURES OF THE SCHEME AREA APPROACH PREVENTED SOWING ON ACCOUNT SETTLEMENT FARM LEVEL ASSESSMENT LOCALISED RISKS POST HARVEST LOSSES

21 District wise schemes, crops being covered in Andhra Pradesh - MNAIS East Godavari West Godavari Krishna Rice (village made as insurance unit), Bajra, Cotton (UI), Sugarcane(Plant), Sugarcane(Ratoon) Rice (village made as insurance unit), Sugarcane(Plant), Sugarcane(Ratoon) Rice (village made as insurance unit), Maize, Greengram, Redgram, Chillies (I),Cotton (UI), Groundnut (UI), Redgram,Sugarcane(Plant), Sugarcane(Ratoon) Guntur Rice (village made as insurance unit), Blackgram, Castor, Redgram, Sugarcane (Plant), Sugarcane (Ratoon), Turmeric

22 Farmer enquiring about the procedure of individual loss assessment

23 WEATHER BASED CROP INSURANCE SCHEME

24 WEATHER RISKS RAINFALL TEMPERATURE RELATIVE HUMIDITY WIND DIRECTION WIND SPEED ATMOSPHERIC PRESSURE FROST,HAIL

25 Impact of Weather on Agril. And Agri-business Deficit Distribution Excess Very Very Low High Very High Incomes Farmers Processing FI s Technology Raw Matl. Use Avail. Input Cos Repayme nts

26 Launching of WBCIS -District level workshop Dignitaries- Dist. Collector, Executive of the various Banks and District Officials. All Revenue, Agri. Hort. Mandal level officials and AIC, RO, Officials

27 Village Level Meetings

28 Interaction With Farmers Before Designing The Product

29

30 FIELD VISITS OF FOREIGN REINSURERS-warangal

31 Prominent features of Andhra Pradesh in Crop Insurance 1 st State to adopt Village as Insurance Unit in all the 22 Districts of United Andhra Pradesh from Kharif 2008 season Maximum number of Crops covered under Crop Insurance Programmes All the mandals / Villages are brought under the Crop Insurance Coverage. Highest Coverage in terms of Farmers, Area, Sum Insured and Farmers benefited in the last 4 years. Launched MNAIS, WBCIS, NCIP from the 1 st season of launching of the schemes.

32 1 st State to cover the TENANT farmers. Installed Automatic Weather Stations owned by the Government. Created necessary infrastructure and technical support for all the schemes. CLAIMS: Under NAIS so far in 13 Districts of Andhra Pradesh Rs Crores amount of claims were released in favour of lakh beneficiaries. Similarly under MNAIS Rs crores released to 6.56 lakh farmers; WBCIS Rs crores released to lakh farmers in the State.

33 SUGESSTIONS - MNAIS & WBCIS MNAIS The premium rates need to be more rational and affordable high premium rates are increasing the financial burden to the Govt. and the farmers contribution is also un-affordable. In case of sowing failure, RS data may be used since the crop sown data would not be available for 2 to 3 months. For assessment of damage due to localized calamities professional loss assessors to be developed. Relaxation in the cut off dates based on Crop Calendar to improve the participation Delay of more than one year in claims settlement. Suggested one month time to release the claim after receiving the yield data.

34 WBCIS Need for improvement in the Design of Weather index products Coverage of critical perils to reduce the premium rates. Minimizing the infrastructure cost Use of remote sensing technology Increase in the density of Weather Stations Improving the accuracy of Weather Data The quantum of pay out should be higher for the damages caused by frequently occurring weather perils. Claims to be released with in 45 days after receiving the weather data.

35 Proposed National Crop Income Insurance Scheme (NCIIS) and suggestions: Integration of YIELD and PRICE mechanism MSP / MARKET PRICE which ever is higher to be adopted For Commercial Crops like Chilly, Turmeric the scheme is necessary and Market Price may be adopted. Last 5 years / 3 years good years data for working out Guaranteed income Premium rate should be capped at 4%

36 THANKS FOR YOUR ATTENTION

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