PM Crop Insurance Scheme 2026: This is how you will get compensation for crops damaged due to unseasonal rains, know the complete process

Financial Aid For Ruined Crops: Unseasonal rains and hailstorms across the country have greatly increased the worries of farmers this year. Due to this natural disaster, standing crops in the fields have been ruined, causing huge financial loss to the farmers. To deal with these situations, the government has launched PM Fasal Bima Yojana and Bihar State Fasal Sahayata Yojana. The main objective of these government schemes is to provide timely proper financial assistance and protection to the affected farmers.

importance of plans

Unseasonal rains have had a very bad impact on farming due to which crops have been completely destroyed in the fields. In such times of crisis, farmers do not need to panic because the government is making arrangements for compensation. Schemes like BRFSY and PMFBY prove to be a strong safety net for farmers in times of disaster.

Prime Minister Crop Insurance Scheme

Pradhan Mantri Fasal Bima Yojana is a central scheme which mainly provides premium based insurance cover to the farmers. Under this, the premium has been fixed at 2 percent for Kharif crops and only 1.5 percent for Rabi crops. For commercial or horticultural crops, farmers are required to pay a maximum premium of 5 percent.

Coverage and Benefits

This scheme completely covers various types of losses from sowing to post-harvest. Losses caused by natural disasters like flood, drought and hailstorm are compensated through this insurance. Due to this, farmers do not have the fear of losing their hard-earned money and they get strength for the new crop.

application procedure

To avail the benefits of this insurance scheme, farmers can apply online on the National Crop Insurance Portal i.e. NCIP. Apart from this, you can easily get yourself registered through Crop Insurance App or by visiting the nearest Common Service Centre. It is very important to apply on time so that there is no technical hurdle in the claim process in case of loss.

Bihar State Crop Assistance Scheme

For the farmers of Bihar, the state government has given a special gift in the form of Bihar State Crop Assistance Scheme. This is a support scheme in which farmers are not required to pay any type of premium. This scheme is specially designed for those non-loanee farmers who want to get the assistance amount directly.

Eligibility and assistance amount

Under this scheme, both land owner and sharecropper farmers can apply as per their eligibility. For this, it is mandatory for farmers to be registered on Bihar e-cooperative portal, only then they will get the amount directly in their bank account. Depending on the crop damage, farmers are given assistance ranging from Rs 7500 per hectare to Rs 10,000 per hectare.

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effect of unseasonal rain

This year’s uncertain climate has completely affected the agricultural cycle, impacting production targets. Unseasonal rain and hail have spread the ready crops on the ground due to which harvesting work has also stopped. Farmers are advised to get the damage assessed and immediately inform the concerned department.

future security

It is very beneficial for every farmer to join these government schemes to reduce the risks in farming. Natural disasters can occur at any time, so having insurance in advance provides financial stability to the farmer’s family. The government’s aim is that every farmer should be safe and he can get financial compensation for the damage to his crop.