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| 'NAIS introduced in J&K since 2002'? | | | Early Times Report
JAMMU, Mar 19: State government today said that National Agriculture Insurance Scheme (NAIS) has been introduced in the state since 2002 and implemented from 2004-05.
The NAIS provides cover to losses due to non-preventable risks in respect of natural fire and lightning, hailstorms, cyclones, typhoons, flood inundation, landslides, drought and pests and diseases, Agriculture Minister Ghulam Hussain Mir told the Legislative Council. He said the notification for the coverage of Kharif and Rabi crops are being issued on seasonal basis after meeting of the state-level Coordination Committee.
Minister said that the insurance is compulsory for loaned farmers and optional for non-loaned farmers. Mir said according to the information furnished by the Insurance Company during Rabi 2009-10 season as against 2285 insured wheat farmers, 1812 farmers will be benefited with a total claim amount of Rs 5679133.25 lakh.
He said that the implementation of the scheme during Rabi 2011-12 seasons, a notification has been issued for Mustard, wheat and potato crops for coverage within the guidelines of the scheme for 20 districts after reorganization to a Agriculture Insurance Company Ltd. to indemnify the losses of the farmers.
The Minister said that the premium rates for Rabi crops like wheat is 1.5% of the sum insured of the actuarial rate, whichever is lesser and for other crops like millets, oil seeds, pulses and other cereals, the premium rate is 2% of the sum insured on the actuarial rate, whichever is lesser and for potato the premium is 1.25% of the sum insured or the actuarial rate, whichever is lesser. The premium rate for Kharif and Rabi crops for annual commercial/horticulture crops has however been kept on actuarial basis.
Transition to the actuarial regime in case of cereals, millets, pulses and oilseeds would be made in a period of 5 years.
The actuarial rates shall be applied at Tehsil/district/division/State level at the option of the State Government. Losses arising out of war and nuclear risks, malicious damage and other preventable risks shall be executed. He said the crops covered in Kharif season are Paddy, Miaze, Potato and Rabi season are wheat, potato, mustard. He said that all farmers, including share croppers and tenant farmers growing the notified crops in the notified areas, are eligible for coverage. Minister said that small and marginal farmers having land holding of less than 2 hectare, 10% subsidy is allowed on gross premium. He said that the insurance is compulsory for loanee farmers and optional for the non-loanee farmers. He said for the compulsory part, (loanee farmer) the banks their own, have to bring the farmer under the scheme and deduct the premium as per the guidelines.He said despite efforts of the department for the successful implementation of the scheme, there has not been encouraging response from the farming community in Kashmir Division, as no significant area have been covered under the crop Insurance Scheme. The main reason non-popularization of Agriculture Insurance Scheme amongst the farmers in Kashmir Division is the absence of the field workers of agriculture insurance company India Ltd, who has to monitor and facilitate the farming community during submission of their documents for coverage of notified crops under the scheme at various Banking Institutions.The Minister said that the livestock Insurance Scheme was started in the year 2006-7 in the erstwhile district of Jammu and district Pulwama. Subsequently, it has been extended to Anantnag, Kupwara, Baramulla and Udhampur. He said from 2006-07 till 2010-11 in the selected districts, 24727 animals have been insured (19852 Kashmir and 4575 Jammu). During 2011-12 ending February, 783 animals have been insured in Jammu division. However, in Kashmir Division, during the current year 2011-12, oriental Insurance Company, the only company operating there, has quoted premium rates at 6% and 15% for 1 year and 3 years respectively, which is higher than the maximum rates of 4.5% and 12% as per the guidelines. Matter rates of 4.5% and 12% as per the guidelines. Matter has been taken with the Government of India to relax the guidelines in respect of the State or to take up the matter with the insurance companies so that the insurance is provided at the premium amount prescribed in the guidelines of the scheme. |
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