 |
National Agricultural Insurance Scheme (NAIS)
| Title :
|
National
Agricultural Insurance Scheme (NAIS) |
| Type : |
Central
Sector Scheme |
| Objectives :
|
(i) To
provide insurance coverage and financial support to the farmers in
the event of failure of any of the notified crop as a result of
natural calamities, pests and diseases. (ii) To encourage the
farmers to adopt progressive farming practices, high value in-puts
and higher technology in agriculture. (iii) To help stabilize farm
incomes, particularly in disaster years. |
| Salient
features : |
-
Scheme is available to all farmers – loanee and non-loanee both
– irrespective of the size of their holdings. -
Compulsory for loanee farmers and optional for non-loanee farmers. -
Sum insured may extend to the value of threshold yield of the area
insured. -
Coverage of all food crops (cereals, millets and pulses), oilseeds
and annual commercial/ horticultural crops in respect of which past
yield data is available for adequate number of years. -
Among the annual commercial/horticultural crops, seven crops namely,
sugarcane, potato, chillies, ginger, onion and turmeric are
presently been covered. -
Premium rates are 3.5% for bajra, and oilseeds and 2.5% for other
Kharif crops, 1.5% for wheat, and 2% for other rabi crops.
In case the rates worked out on the basis of actuarial data are less
than the prescribed rate, the lower rate will be applicable. -
In case of annual commercial/horticultural crops, actuarial rates
are charged. -
Small and marginal farmers are provided subsidy of 50% of premium
charged from them. The subsidy will be phased out over a
period of 5 years on sunset basis. -
To implement NAIS at lower unit of insurance i.e. Gram Panchayat it
has been decided to adopt new technique i.e. Small Area Crop
Estimation Approach devised by IASRI in one selected district of
each implementing States/UTs from Rabi 1999-2000 season on an
experimental basis. -
It is proposed to set up a separate agency for implementation of
NAIS. |
| Pattern of
Assistance : |
Expenses on
account of indemnity claims, Corpus Fund, A & O Expenses,
publicity, premium subsidy to small and marginal farmers etc. are
shared between Central and State Governments on 50 : 50 basis in the
initially. |
| Eligibility
: |
Central
Government is the policy making authority for the scheme.
Presently, General Insurance Corporation of India (GIC) is the
Implementing Agency. The activities relating to the
implementation of NAIS are carried out through GIC, rural financial
institutions, State Governments/UT Administration and farmers. |
| Procedure to
apply : |
At the
beginning of each crop season, the State Govt./UT Administration in
consultation with GIC notifies the crops and defines the areas which
will be covered under the scheme during the season.
The monthly crop-wise and area-wise details of crop insurance with
premium are remitted to the nodal points and nodal point on
receipt of such inputs from various loan disbursing points,
scrutinizes and transmits them GIC on monthly basis as per
cut-off dates fixed. The non-loanee farmer who desires to join the
scheme would fill up proposal form of NAIS and submits the same
alongwith premium in the village branch of commercial bank or
Regional Rural Bank or PACS of Cooperative Bank. It is the
responsibility of the branch/PACS to verify the particulars of sum
insured, the maximum limit etc., while accepting the proposal. The
particulars then, are consolidated and sent to the respective nodal
points for onward transmission to GIC State Level Crop Insurance
Cell before the dates specified in the notification of the
Government. |
| Persons to
be contacted : |
The Joint
Secretary
Credit Division,
Department of Agriculture & Cooperation,
Krishi Bhavan, New Delhi. |
| Date of
Start/Duration |
The scheme
is being implemented from Rabi 1999-2000. |
| Implementation
status : |
Presently, the scheme is being implemented in 18 States and 2 Union
Territories as indicated below: (i) Andhra Pradesh (ii) Assam
(iii) Bihar (iv) Goa (v) Gujarat (vi) Himachal Pradesh (vii)
Jharkhan (viii) Karnataka (ix) Kerala (x) Maharashtra
(xi) Madhya Pradesh (xii) Meghalaya (xiii) Orissa (xiv)
Tamil Nadu (xv)Uttar Pradesh (xvi) Chattisgarh (xvii)
West Bengal (xviii) Sikkim (xix) A & N Islands (xx)
Pondicherry. |
 |
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