New Rules for Crop Insurance Implemented! What Farmers Need to Do – Full Details

Crop Insurance

Krishi Dunia

• 05 Mar, 2025 12:06 PM IST ,
• Updated Wed, 05 Mar 2025 03:52 PM

No More Delays in Crop Insurance Claims:

The Pradhan Mantri Fasal Bima Yojana (PMFBY) is a crucial safety net for farmers across the country. It provides financial assistance in case of crop damage due to natural disasters. However, farmers have often faced difficulties in receiving their insurance claims, with major issues including delays in surveys, incorrect applications, and a complex claim process.

To address these challenges, the central government has directed state governments to ensure the prompt resolution of crop insurance claims. Insurance companies have also introduced new changes to streamline the process, ensuring that farmers no longer have to wait for months to receive their claims.

Major Changes in the Crop Insurance Claim Process:

In states like Madhya Pradesh, Rajasthan, and Uttar Pradesh, many insurance claims have been pending due to various reasons. To expedite the settlement of these claims, the government is now using Artificial Intelligence (AI) and satellite technology.

AI-Based Crop Insurance Survey:

• AI will now assess crop damage caused by heavy rainfall, drought, and other natural disasters.
• This technology will estimate crop conditions in advance, eliminating delays in government surveys.
• Satellite imagery and geospatial technology will be used to monitor the actual status of crops in the fields.

Faster Processing – No More Waiting for Months:

Earlier, farmers had to wait for months to receive their insurance claims, causing financial distress. Now, with AI and digital technologies, the process has become faster and more efficient.

Key Benefits of Faster Crop Insurance Claims:

• Farmers will no longer suffer financially due to delays in surveys and assessments.
• The claim process will be online, ensuring transparency.
• Incorrect applications will be detected instantly, reducing fraud.

Fraudulent Insurance Claims Will Be Rejected:

In many cases, crop insurance claims were delayed due to errors in applications. Now, new technology will help prevent these mistakes and fraudulent claims.

Common Fraudulent Practices That AI Will Detect:

• False reporting of land and insuring non-agricultural land.
• Insuring crops without actual sowing.
• Taking multiple insurance policies for the same land.
• Applying for insurance with incorrect crop details.

Now, satellite imagery and on-ground surveys will verify claims, ensuring that only genuine farmers receive compensation.

New Feature for Farmers: File Insurance Claims via Mobile App:

Farmers can now immediately report crop damage through a dedicated mobile app, making the process more accessible and efficient.

How to Apply for Crop Insurance Claims Online?

1. Log in to the crop insurance mobile app.
2. Upload photos and videos of the damaged crops.
3. Track the application status online.
4. The insurance company will conduct a quick survey and approve the claim.

Who Can Benefit from Crop Insurance Claims?

• Damage caused by low rainfall, drought, floods, hailstorms, cyclones, storms, and lightning.
• Post-harvest losses due to natural disasters.
• Crop damage caused by disease outbreaks.
• Failure of germination or crop damage due to excessive rainfall.

The central government and insurance companies have introduced digital and AI-based systems to make the crop insurance claim process simpler and faster. These changes will not only benefit genuine farmers but also help eliminate fraudulent claims.

Farmers can now file their claims instantly through a mobile app, ensuring a quick and hassle-free settlement process.