“Get crop insurance and get security cover.” This message from the central government is more than just a slogan; it is the truth for every farmer. If you still haven’t insured your crop, please do not wait any longer. Recently, the government transferred ₹3,900 crore directly to the accounts of 35 lakh farmers. This amount was compensation for farmers whose Rabi crop was damaged. The window for Kharif crop insurance is now open, but missing this opportunity means you may have to face severe losses without any help.The deadline for Kharif crop insurance under the Pradhan Mantri Fasal Bima Yojana has been extended. If you have a Kisan Credit Card or an agriculture loan, you can apply for crop insurance up to 30th August. The government has kept this extension to ensure that as many farmers as possible can secure their fields. If you still don’t know which crops are protected under this scheme, please keep reading—we will explain.Insurance for Kharif Crops You Should Know AboutInsurance is now available for Kharif (summer) crops that include both food grains and oilseeds. Before August 30, you can insure crops like millet, sorghum, maize, moong, moth, guar, chana, urad, tur, soybean, sesame, paddy, cotton, and peanuts. Once you complete the insurance, the coverage stays active from the day you sow until the day you harvest. If any damage occurs during that period, you can file a claim and get paid by the insurance company.The scheme that offers this support is called the Pradhan Mantri Fasal Bima Yojana (PMFBY). It protects farmers against losses caused by natural events such as floods, droughts, heavy rain, cyclones, as well as losses from pests or diseases.Very Low Premium to PayThe great news for farmers is that the premium is minimal. For Kharif crops, the farmer has to pay only 2% of the insured amount. The rest is covered by the government. For example, suppose the premium for insuring millet is ₹10,000; you will pay just ₹200, while the government pays ₹9,800.PMFBY Helpdesk AvailableIf you have questions or run into issues while getting crop insurance, you can call the helpline at 14447. A WhatsApp chatbot at 70651-14447 is also available to provide information. Just send a message, and you will get the details you need about the crop insurance scheme.
Around the web
