Details about National Agriculture Insurance Scheme (NAIS)
The National Agriculture Insurance Scheme (NAIS) is a government initiative designed to protect farmers from financial losses due to crop failure caused by natural calamities, pests, or diseases. This scheme ensures income stability for farmers and encourages them to adopt modern agricultural practices.
Key Benefits of NAIS
✅ Covers Multiple Crops – Includes food crops, oilseeds, and selected commercial/horticultural crops.
✅ Protection Against Natural Disasters – Farmers get coverage for losses due to drought, floods, hailstorms, cyclones, pests, and diseases.
✅ Comprehensive Coverage – Insurance applies at different crop stages:
- Sowing/Planting Risks – Protection if crops fail to grow.
- Standing Crop Losses – Covers damage during the growing phase.
- Post-Harvest Losses – Protection against specified perils after harvesting.
- Localized Disasters – Coverage for specific risks like hailstorms and landslides.
✅ Affordable Premiums – Subsidized premium rates for small and marginal farmers.
✅ Available Nationwide – The scheme is applicable in notified areas and across different seasons.
How to File a Claim?
📌 Report Losses – Inform the local agriculture office or insurance provider within 48 hours of the incident.
📌 Assessment – A joint team (local authorities and insurance representatives) will verify the loss.
📌 Claim Settlement – Upon approval, the insurance amount is directly credited to the farmer’s bank account.
This initiative provides a safety net for farmers, ensuring financial security and sustainable farming. 🚜🌾
Benefits of National Agriculture Insurance Scheme (NAIS)
The National Agriculture Insurance Scheme (NAIS) provides financial security to farmers by covering crop losses due to natural calamities, pests, and diseases. Here’s why it’s beneficial:
🌾 Comprehensive Crop Protection
✔ Covers crop losses caused by floods, droughts, hailstorms, pests, and diseases.
✔ Provides insurance for all crop stages – sowing, standing crops, and post-harvest losses.
💰 Affordable & Subsidized Premiums
✔ Small and marginal farmers get subsidized premiums, making insurance more affordable.
✔ Low premium rates for both loan-taking (loanee) and non-loanee farmers.
✔ Premiums for loaned farmers are directly deducted from agricultural loans, ensuring hassle-free enrollment.
⚡ Quick & Easy Claim Settlement
✔ Fast claim processing and direct fund transfer to farmers’ bank accounts.
✔ Simplified process to report losses and receive financial support.
🚜 Encourages Modern Farming
✔ Promotes risk management and motivates farmers to adopt advanced agricultural techniques for higher productivity.
🌱 Covers a Wide Range of Crops
✔ Insurance available for food crops, oilseeds, and horticultural crops, ensuring maximum coverage for farmers.
🌍 Accessible Across India
✔ The scheme is available nationwide, benefiting farmers in all states and regions.
Premium Rates for NAIS
📌 Food Crops & Oilseeds:
- Kharif Season – 3.5% of the sum insured
- Rabi Season – 1.5% of the sum insured
📌 Commercial & Horticultural Crops:
- Premium based on actuarial rates.
- Small & marginal farmers get a 10% subsidy, shared by the State and Central Government.
With its affordable premiums, easy claim process, and broad coverage, NAIS is a reliable safety net for Indian farmers. 🌾💚
What is the eligibility criteria for National Agriculture Insurance Scheme (NAIS)?
The National Agriculture Insurance Scheme (NAIS) is open to both loanee and non-loanee farmers, ensuring broad coverage and financial security.
🌾 Loanee Farmers (Automatic Coverage)
✔ Farmers taking Seasonal Agricultural Operations (SAO) loans from banks, co-operative societies, or other financial institutions are automatically covered.
✔ Insurance coverage is compulsory, and the premium is directly deducted from the loan amount.
🌱 Non-Loanee Farmers (Voluntary Enrollment)
✔ Farmers who do not take loans can still apply for insurance voluntarily.
✔ They must submit their application before the deadline for each crop season.
📍 Notified Crops & Areas
✔ The government announces eligible crops and covered areas every year.
✔ Only crops grown in notified regions can be insured under the scheme.
This scheme provides financial protection for farmers across India, ensuring stability and support in case of crop losses. 🌾💚
How to apply for National Agriculture Insurance Scheme (NAIS)?
Farmers can apply for NAIS through an easy and hassle-free process, whether they are loanee or non-loanee farmers.
📌 Application Process for Loanee Farmers (Automatic Enrollment)
✔ Step 1: Visit the bank or Primary Agricultural Cooperative Society (PACS) where the loan was taken.
✔ Step 2: The bank automatically enrolls the farmer in NAIS.
✔ Step 3: The insurance premium is deducted from the loan amount at the time of disbursement.
📌 Application Process for Non-Loanee Farmers (Voluntary Enrollment)
✔ Step 1: Visit a bank branch or an authorized insurance company offering NAIS.
✔ Step 2: Fill out the NAIS application form.
✔ Step 3: Submit required documents, including:
- Aadhaar card or any government-issued ID.
- Proof of land ownership or tenancy.
- Crop sowing details (if applicable).
- Bank account details for claim disbursement.
✔ Step 4: Pay the premium based on crop type and coverage selected.
📞 Need Assistance?
For queries or support, contact:
📌 Toll-Free Helpline: 1800-180-1551
📌 Email: pmfby-support@gov.in
📌 Website: www.pmfby.gov.in
This simple process ensures that farmers can easily access crop insurance and protect their livelihoods. 🌾💚
What are the documents required to apply for National Agriculture Insurance Scheme (NAIS)?
Farmers need to submit a few essential documents to apply for NAIS and secure crop insurance coverage.
📌 Required Documents:
✔ Aadhaar Card or Valid ID Proof – Government-issued identification for verification.
✔ Proof of Land Ownership or Tenancy Agreement – To confirm eligibility for crop insurance.
✔ Crop-Sowing Certificate (if required) – Proof of crops grown during the season.
✔ Bank Account Details – For direct claim disbursement in case of crop loss.
Ensuring these documents are ready makes the application process quick and hassle-free. 🌾✅
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