RWBCIS Apple Crop Insurance Scheme Challenges Pradhan Mantri Fasal Bima Yojana PMFBY Restructured Weather Based Crop Insurance Scheme RWBCIS Reimagine solution High density amp traditional apple orchards ID: 1029535
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1. Restructured Weather Based Crop Insurance Scheme(RWBCIS)Apple Crop Insurance Scheme
2. ChallengesPradhan Mantri Fasal Bima Yojana (PMFBY)Restructured Weather Based Crop Insurance Scheme(RWBCIS)
3. Reimagine solution High density & traditional apple orchardsApple OrchardSKUAST-K is working on developing IOT BASED CAMERA system to develop algorithms to estimate yield and damage to crop at all the phenological stagesBUILDING TRUSTCAPACITY BUILDINGSKUAST-K TO PROVIDE HAND-HODING
4. Traditional Apple OrchardsAge of the plant to be covered: 8 to 15 and > 15 yearsNo. of trees/ha : 300 trees/haArea approach : The scheme shall operate on notified Reference Unit Areas-ClustersArea approach signifies that a Reference Unit Area shall be considered as a unit area of insurance for the purpose of acceptance of risk and assessment of compensation.Geographical coverage : Reference Unit Areas will be linked to specific catchment area of the respective Automatic Weather Station (AWS) for providing weather data for the purpose of assessment of compensationProposed sites block wise for installation of Automatic Weather Stations already prepared by Dept of Horticulture in consultation with IMD.
5. Quantifying Weather fluctuations in Jammu & KashmirUT of Jammu & Kashmir will be divided into two provinces Kashmir and JammuKashmir province comprising of 10 districts can be further divided into North, Central and South KashmirJammu province comprising of 10 districts can also be divided into Chenab valley, Pir-Panchal Range and Plains of Jammu
6. Perils to be covered Temperature Un-seasonal/Excess Rainfall Hail-Storm (Proposed to be included in Base Cover)
7. Temperature FluctuationsAge Groups (2)(1) 8-15 (2) > 15 yearsCover Period1st April to 31st May(Initial bloom to petal fall stage)Ist June to 3oth September (Fruit Development Stage to maturity)Trigger Temp (0C)< 30 (Min. Temp)> 300 (Max Temp) Max > 400 Duration (consecutive days)Pay out (%) ≥ 3 day30 % of total sum insured/plant ≥ 5 day 30 % of total sum insured/plantPay out (Rs) 500 500Scale of Finance = Rs 5 lac per hectareNo of plants = 300 per hectareSum insured per plant = Rs 1666
8. Unseasonal/excess RainfallAge Group(1) 8-15 and (2) > 15 yearsCover Period1st April to 31st May(Initial bloom to petal fall stage)Ist June to 3oth September (Fruit Development Stage to maturity)RainfallTrigger 1 : < 50mm/month*Trigger 2 : >200mm *( Rain Continuous for three days)Trigger 1 : < 50 mm/month*Trigger 2 : >200mm *( Rain continuous for three days)Payout (%)30 % of total sum insured/plant30 % of total sum insured/plantPay out (Rs)500500
9. Hail-StormAge Group8-15 year and > 15 to 50 yearsCover Period1st April to 31st May(Initial bloom to petal fall stage)Ist June to 3oth September (Fruit Development Stage to maturity)Hail Storm Loss(% loss)>25 %>25%Payout (%) 4040Pay out (Rs)670670* If the event of hail happens June to September , farmer will get 100 % sum insured
10. Procedure for Assessment of claimsAffected insured farmer will intimate date & time of hailstorm, intensity of lossesThe implementing agency will have to depute a loss assessor within 72 hrs of receipt of intimationLoss shall be assessed as percent loss to the normal cropNo of damaged apples/Total no of apples x 100 = % damage REASSESSMENT (AFTER 3 to 4 WEEKS) AFTER FIRST ASSESSMENT BY SAME METHOD
11. HIGH DENSITY ORCHARDS PERILSTEMPERATUREEXCESS RAINFALLHAIL STORM
12. Temperature FluctuationsAge Groups (2)(1) 2-5 (2) > 5 yearsCover Period1st April to 31st May(Initial bloom to petal fall stage)Ist June to 3oth September (Fruit Development Stage to maturity)Trigger Temp (0C)< 30 (Min. Temp)> 300 (Max Temp)Max > 400 Duration (consecutive days)Pay out (%) ≥3 days 30 % of total sum insured/plant ≥5 days30 % of total sum insured/plantPay out (Rs)100 100Scale of Finance = Rs 10, 80,000/= per hectareNo of plants = 3333 per hectareSum insured per plant = Rs 320
13. Unseasonal/excess RainfallAge Group(1) 2-5 and (2) > 5 yearsCover Period1st April to 31st May(Initial bloom to petal fall stage)Ist June to 3oth September (Fruit Development Stage to maturity)Rainfall*Trigger 2 : >200mm/Month*( Rain Continuous for three days)*Trigger 2 : >200mm/ month*( Rain continuous for three days)Payout (%)30 % of total sum insured/plant30 % of total sum insured/plantPay out (Rs) 100 100
14. Hail-StormAge Group2-5 year and > 5 yearsCover Period1st April to 31st May(Initial bloom to petal fall stage)Ist June to 3oth September (Fruit Development Stage to maturity)Hail Storm Loss(% loss)>25%>25%Payout % of Sum Insured4040Pay out (Rs)120120* If the event of hail happens June to September , Farmer will get 100 % sum insured
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