junior science refresher Published this article page no 44 Launched in 2016. Coverage All food & oilseed crops and annual commercialhorticultural crops for which past yield data is available. Premium The prescribed premium is 2% to be paid by farmers for all Kharif crops and 1.5% for all rabi crops. In the case of annual commercial and horticultural crops the premium is 5%. Objectives 1. To provide insurance coverage and financial support to the farmers in the event of failure of any of the notified crops as a result of natural calamities pests & diseases. 128 2. To stabilise the income of farmers to ensure their continuance in farming. 3. To encourage farmers to adopt innovative and modern agricultural practices. 4. To ensure flow of credit to the agriculture sector. Coverage The Scheme covers all Food & Oilseeds crops and Annual CommercialHorticultural Crops for which past yield data is available and for which requisite number of Crop Cutting Experiments (CCEs) are being conducted under General Crop Estimation Survey (GCES). PMFBY to PMFBY 2.0 (overhauled PMFBY) Completely Voluntary It has been decided to make enrolment 100% voluntary for all farmers from 2020 Kharif. Limit to Central Subsidy The Cabinet has decided to cap the Centres premium subsidy under these schemes for premium rates up to 30% for unirrigated areascrops and 25% for irrigated areascrops. More Flexibility to States The government has given the flexibility to statesUTs to implement PMFBY and given them the option to select any number of additional risk coversfeatures like prevented sowing localised calamity midseason adversity and postharvest losses. Penalising the Pendency In the revamped PMFBY a provision has been incorporated wherein if states dont release their share before March 31 for the Kharif season and September 30 for rabi they would not be allowed to participate in the scheme in subsequent seasons. Investing in ICE Activities Insurance companies have to now spend 0.5% of the total premium collected on information education and communication (IEC) activities. Why is PMFBY criticised? Since the beginning farmers especially from Maharashtra have criticised the scheme for various reasons. One of the main arguments against it is that it helps insurance companies more than the farmers. Farm leaders claim insurance companies have made windfall gains at the behest of the public exchequer and farmers. Delayed payouts and denial of claims are other common complaints against insurance companies. The insurance companies were also blamed for not conducting enough crop cutting experiments (CCE) which measure the total loss experienced by the farmers. Which states have withdrawn from the scheme? Gujarat Bihar West Bengal Andhra Pradesh Telangana and Jharkhand have opted out of the scheme. Insta Curious Several states have their own insurance schemes junior science refresher buy.
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