Organisation : Department of Agriculture
Facility : Unified Package Insurance Scheme UPIS
Applicable For : Loanee and Non- Loanee Farmers
Details : https://www.statusin.in/uploads/38072-FINAL_UPISOGs.pdf
Home Page : http://www.agri-insurance.gov.in/
Agri Insurance Unified Package Insurance Scheme
1. The UPIS will be implemented in 45 selected districts on Pilot basis from Kharif 2016 season. A farmer (both Loanee and Non- Loanee) can access to Banks whereas non-loanee farmer shall be covered through banks and/or insurance intermediaries.
Related : Department of Agriculture WBCIS Weather Based Crop Insurance Scheme : www.statusin.in/38068.html
2. UPIS contain total 7 Sections out of which Section 1 (PMFBY) is mandatory. However, farmers have to choose at least 2 other sections (out of remaining 6) to avail the applicable subsidy under PMFBY section.
3. The cover will be for one full year except for section 1 (which will be bi-annual separately for Kharif and Rabi seasons) renewable from year to year.
4. The scheme would be offered / administered through AIC & empanelled General Insurance companies to be selected as implementing agency of PMFBY.
5. If the farmer has already availed any insurance policy covering any of sections (2-6) and sum insured not less than as mentioned in the UPIS than they would be exempted from taking such section(s).
6. The farmers are required to fill up and sign the proposal cum declaration form giving all the required details in the relevant sections which they wish to avail.
Such filled and signed proposal form shall be submitted along with the premium to the bank/intermediary/insurance company who will issue a stamped/signed receipt for the same.
The proposal form is mandatory for both loanee and non loanee farmers. Such acknowledged proposal form will be the basis of insurance and the terms and conditions of the insurance will be available on the website.
7. After accepting the proposal forms from farmers, banks shall provide unique reference number to such proposal forms.
Acknowledgement shall be provided by banks to the farmers. Such acknowledgements shall have the same unique reference number which is given to proposal forms.
8. No change in the particulars furnished in the proposal form will be admissible unless specifically agreed in writing by insurance company.
Personal Accident Insurance
(Coverage as per Pradhan Mantri Suraksha Bima Yojana – PMSBY)
Details of Scheme:
The scheme will be a one year cover, renewable from year to year, Accident Insurance Scheme offering accidental death and disability cover for death or disability on account of an accident.
There will be no change in the existing relationship structure of Bank-insurance company which was established for PMSBY and here also the premium will be submitted to the insurance company with which bank is already tied up.
If the farmer has already availed this section in the form of PMSBY, he/she need not to choose this section again. However, he/she is required to provide the detail of the policy which will be captured in proposal cum declaration form under PMFBY.
Scope of coverage:
All farmers eligible for crop insurance under PMFBY/WBCIS in the age 18 to 70 years will be entitled to join. In case of multiple saving bank accounts held by an individual in one or different banks, the person would be eligible to join the scheme through one savings bank account only. Aadhar would be the primary KYC for the bank account.
Enrollment Modality / Period:
For new enrolments, the cover shall be provided for one year period starting from the date of enrolment or 1st June, whichever is later and the cover will end on next 31st May under PMFBY. New entrants into the eligible category from year to year or currently eligible individuals who did not join earlier shall be able to join in future years while the scheme is continuing.
Building & Contents Insurance
(Fire & Allied Perils)
The indemnity under this section is based on fixed sum Insured basis (maximum liability of the insurer will be sum insured or actual loss whichever is less)
The Company will indemnify the Insured in respect of loss of or damage to the Buildings/ Contents whilst contained in the insured premises by
a) Fire, Lighting, Explosion of gas in domestic appliances,
b) Bursting and overflowing of water tanks, apparatus or pipes,
c) Aircraft or articles dropped therefrom,
d) Riot, Strike, or Malicious damage
e) Earthquake, (Fire and / or Shock) Subsidence and Landslide (including Rockslide) damage
f) Flood, inundation, storm, tempest, typhoon, hurricane, Tornado or Cyclone.
g) Impact damage
h) Bush Fire
Enrollment of Farmers
The farmers shall provide the basic details of their home and dwellings in the proposal form. It shall include complete address of the house. The Sum insured has been capped at Rs.50,000 for building and Rs.20,000 for contents.
Claim Process Methodology
1. In case of damage due to above mentioned perils, farmers shall intimate the concerned insurance company via phone or in writing within 72 hours.
For intimation, farmers may choose to intimate directly to insurance company or through financial institutions/same intermediary channel vide which they have availed insurance.
It is necessary to share unique reference number of proposal cum declaration form while intimating the claims. No repair/reinstatement to be carried out until loss assessment procedure is completed.
2. The claim is admissible only if the premium is paid with in the cut off dates as mentioned in section 1 of PMFBY/WBCIS.
3. Farmer will extend full co-operation to the surveyor appointed by the insurance company and provide necessary documents to substantiate the loss. A claim form issued by the company is also to be submitted.
4. Basis of claim settlement would be market value of the property on the date of loss. Insurance company gets the survey done of the site within 3 days of intimation.
The farmer will submit the claim forms and other relevant documents to surveyor/ insurance company within 10 days of date of survey.
Claims would be paid on assessment basis only within 20 days of survey and submission of all required documents. Payment would be done in the farmer’s bank account directly through NEFT.
Special Exclusions
The Company shall not be liable in respect of:
1. Loss or damage by burglary and / or housebreaking or theft where any member of the insured’s family is concerned as principal or accessory
2. Loss of or damage to articles of consumable nature
3. Loss of or damage to money, securities, stamps, stamp collections, bullion, livestock, motor vehicles and pedal cycles
4. Loss of or damage to deeds, bonds, bills of exchange, promissory notes, shares and stock certificates, business books, manuscripts, documents of any kind, unset precious stones and Jewelry and Valuable
5. Wilful act or gross negligence of the Insured or his representatives
6. Terrorism
Roles and Responsibilities of Various Agencies
In addition to the provisions mentioned in Operational Guidelines of PMFBY/WBCIS, the following are the additional roles and responsibilities under UPIS:
Banks/Financial Institutions
1. Banks will educate the farmers on UPIS and guide them in filling up the proposal form. Banks will accept the proposal form duly filled by farmers incorporating the specific details like serial no. etc. of pump set. (Both Loanee & Non-Loanee farmers)
2. Banks will collect the proposal form and remit the premium to respective insurance companies along with photo copies of the proposal form.
3. The Bank will continue to have existing tie-up with the same insurance companies except for PMFBY. (Sec 1)
4. The Banks will issue acknowledgement confirming the insurance to the farmers with unique reference no.: IFSC code of insuring Bank branch/ Banks A/c no. of insured
5. The claim intimation received at Banks level will be forwarded to concerned respective insurance companies within 48 hours of its receipt.
6. Banks will cover both loanee & non-loanee farmers having Bank account in the same Bank or different Bank.
7. The coverage details and premium remittance under section 2 – 6 will be provided by the Banks to the concerned Insurance company within 24 hours
8. Banks will provide details of coverage in a format decided by DAC &FW preferably on the web portal.
Insurance Companies
1. Insurance companies will sensitize the banks, intermediaries and farmers about the provisions of UPIS. Wider publicity will be provided in the districts designated for UPIS
2. Wherever Banks do not have tie-ups, the insurance company allotted the district under PMFBY, will have responsibility of tie-ups, where ever required.
3. The Insurance Company will issue acknowledgement confirming the insurance to the farmers with unique reference no.: IFSC code of insuring Bank branch/ Banks A/c no. of insured
4. For the claim intimation received at Insurer level, a unique claim number will be generated and shall be shared with respective Bank/Insured farmer within 48 hours of receipt of claim intimation.
5. Certificate of Insurance for Tractor will be as per Motor Vehicle Act.
6. In sections 4, 5 and 7, it is the responsibility of insurance company to conduct the survey within 3 days of claim intimation. For sections 1, 2, 3 & 6 standard claim procedures related to these sections will be followed by insurance companies.
7. Claims would be paid within designated days (as mentioned in the respective sections) of survey and submission of all required documents.
8. Surveyor of insurance companies will assist claimant and banks for proper filling and timely submission of documents
9. Insurance companies will carry out break in inspection if any for tractor policy and shall give applicable No Claim Bonus in case of renewal of tractor policy.
10. For non loanee farmers, coming directly to insurance companies, it is the responsibility of insurance companies to help him/her in filling the proposal forms and give him/her an acknowledgment of premium received. For tractor, separate policy will be issued.