Answer

1. F

   Facts

   PMFBY provides crop insurance at heavily subsidised premium rates, government pays the balance. Farmer pays maximum 2% (kharif), 1.5% (rabi), 5% (horticulture). If your crop is lost due to natural calamity, drought, flood, pest, or disease, insurance pays market price for lost yield.

2. P

   Provisions and law

   • PM Fasal Bima Yojana 2016 | PMFBY | Ministry of Agriculture
3. A

   Analysis

   Coverage: All loanee farmers (with crop loans) are compulsorily enrolled. Non-loanee farmers can voluntarily enrol. Coverage: pre-sowing to post-harvest. Includes post-harvest losses (up to 14 days after harvest). How to claim: Notify loss within 72 hours (call the insurer or local Krishi Vigyan Kendra). Loss assessment done by block-level government officer. Payment directly to bank account. Enrolment: At bank (if crop loan), Common Service Centre, or PMFBY portal. Deadline: 10 days before end of sowing period for that crop/season.

4. C

   Conclusion

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