Annual Report 2009-2010 - Department of Agriculture & Co-operation
Annual Report 2009-2010 - Department of Agriculture & Co-operation
Annual Report 2009-2010 - Department of Agriculture & Co-operation
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Crop Insurance<br />
8.11 National Agricultural Insurance Scheme<br />
(NAIS): The National Agricultural Insurance<br />
Scheme (NAIS), with increased coverage <strong>of</strong><br />
farmers, crops, and risk commitment, was<br />
introduced in the country from Rabi 1999-2000,<br />
replacing the erstwhile <strong>Co</strong>mprehensive Crop<br />
Insurance Scheme (CCIS). The main objective <strong>of</strong><br />
the scheme is to protect farmers against crop<br />
losses suffered on account <strong>of</strong> natural calamities,<br />
such as drought, flood, hail-storms, cyclone,<br />
pests, and diseases. The scheme is being<br />
implemented by the <strong>Agriculture</strong> Insurance<br />
<strong>Co</strong>mpany <strong>of</strong> India, Ltd. (AIC).<br />
8.12 The scheme is available to all farmersloanee<br />
and non-loanee-irrespective <strong>of</strong> their size<br />
<strong>of</strong> holding. It envisages coverage <strong>of</strong> all food crops<br />
(cereals, millets, and pulses), oilseeds, and<br />
annual commercial/horticultural crops, in respect<br />
<strong>of</strong> which past yield data is available for an<br />
adequate number <strong>of</strong> years. Among the annual<br />
commercial/horticultural crops-sugarcane,<br />
potato, cotton, ginger, onion, turmeric, chillies,<br />
pineapple, annual banana, jute, tapioca,<br />
coriander, cumin, and garlic, have already been<br />
Table 8.1: States/UTs implementing NAIS<br />
covered under the scheme. All other annual<br />
commercial/horticultural crops are stipulated to<br />
be placed under insurance cover in due course<br />
<strong>of</strong> time, subject to the availability <strong>of</strong> past yield<br />
data. The scheme is operating on the 'Area<br />
Approach' basis, i.e., with defined areas for each<br />
notified crop.<br />
8.13 The premium rates are 3.5 per cent (<strong>of</strong><br />
the sum insured) for bajra and oilseeds, 2.5 per<br />
cent for other Kharif crops, 1.5 per cent for wheat,<br />
and 2 per cent for other Rabi crops. In the case<br />
<strong>of</strong> commercial/horticultural crops, actuarial rates<br />
are being charged. Under the scheme, small and<br />
marginal farmers were originally provided a<br />
subsidy <strong>of</strong> 50 per cent <strong>of</strong> the premium charged<br />
from them. The subsidy on premiums has now<br />
been phased out over a period <strong>of</strong> five years. At<br />
present, a 10 per cent subsidy on premiums is<br />
available to small and marginal farmers, which<br />
is to be shared equally by the Centre and state<br />
governments.<br />
8.14 The scheme is optional for states/UTs. At<br />
present, the scheme is being implemented by<br />
the following 25 states and two UTs, given in<br />
Table 8.1:<br />
1. Andhra Pradesh 2. Assam 3. Bihar<br />
4. Chhattisgarh 5. Goa 6. Gujarat<br />
7. Haryana 8. Himachal Pradesh 9. Jammu and Kashmir<br />
10. Jharkhand 11. Karnataka 12. Kerala<br />
13. Madhya Pradesh 14. Maharashtra 15. Manipur<br />
16. Meghalaya 17. Mizoram 18. Orissa<br />
19. Rajasthan 20. Sikkim 21. Tamil Nadu<br />
22. Tripura 23. Uttar Pradesh 24. Uttarakhand<br />
25. West Bengal 26. Andaman and Nicobar Islands 27. Puducherry<br />
Season-wise details <strong>of</strong> farmers covered, the area<br />
covered, sum insured, and insurance charges<br />
under NAIS during the last 19 crop seasons (i.e.,<br />
from Rabi 1999-2000 to Rabi 2008-09) are given<br />
in Table 8.2:<br />
Agricultural Credit and Crop Insurance<br />
47
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