- Many farmers in Madhya Pradesh face problems with low compensation under PM Fasal Bima Yojana even after paying premiums.
- Premium rates change depending on the crop, with the government covering the rest beyond the farmer’s share.
- You can file complaints through helpline 14447 or at local agriculture centers and insurance offices.
Farmers in Madhya Pradesh continue to report difficulties in receiving fair compensation under the Pradhan Mantri Fasal Bima Yojana (PMFBY). The scheme, launched to safeguard cultivators against crop losses by providing insurance coverage, has drawn complaints from beneficiaries who claim they received less compensation than expected. The article highlights how insurance premiums are calculated, the process of deciding claims, and provides guidance on where and how farmers can file complaints if they encounter problems with payouts.
Farmers across Madhya Pradesh have shared difficulties with compensation under the Pradhan Mantri Fasal Bima Yojana. For example, a farmer from Khandwa got only Rs 1274 as a claim for his soybean crop on 21 acres, even though he paid a premium of about Rs 30,000. The crop was damaged due to poor rains, and the expected insurance payout based on the crop’s value was around Rs 7 lakh. Such differences have caused worry among many insured farmers.
How Crop Insurance Premiums Are Calculated
Under the PM Fasal Bima Yojana, premium rates change by crop season:
- Kharif crops: 2% of the sum insured
- Rabi crops: 1.5% of the sum insured
- Commercial crops: 4% of the sum insured
The government pays the rest of the premium beyond the farmer’s share. To find your exact premium, you can use the official Fasal Bima Yojana calculator by choosing your season, year, scheme, state, district, crop, and insured acreage.
Step-by-Step Guide to Calculating Your Insurance Claim
Compensation is worked out using a formula that compares the average yield and actual yield:
Threshold yield = Average of the best 5 years out of the last 7 years
Actual yield = Yield of your insured crop
Sum insured = Fixed amount per hectare for your crop
For example, if the threshold yield is 2240 kg/ha, actual yield is 3000 kg/ha, and sum insured is Rs 20,000 per hectare, the claim is calculated as:
(2240 – 3000) / 2240 X 20000 = Rs 6785 per hectare
This means you should get Rs 6785 per hectare as compensation. If your claim is much less, it might be due to mistakes or other problems.
Where and How to File Complaints for Compensation Problems
If you think your compensation under PM Fasal Bima Yojana is not enough, you can follow these steps to file a complaint:
- Call the helpline number 14447 for help.
- Visit your nearest agriculture center to report the problem.
- Contact the local office of the insurance company handling your policy.
These options are set up to help farmers solve issues related to compensation delays or differences. Make sure to keep all important documents like your insurance policy, premium receipts, and claim details ready when filing a complaint.
Knowing how PM Fasal Bima Yojana works and where to get help can help you get the right compensation for your crop losses. Stay informed and use the official resources to protect your farming interests.