Tech holds key to fast-tracking crop insurance claims
The use of tech to expedite claims has become even more important as the govt has mandated to settle insurance claims within two months of filing.
The use of technology to expedite insurance claims has become even more important as the government has mandated to settle insurance claims within two months of filing the claims.
“In September last year, the government had imposed a 12% penalty for delayed settlement on insurance companies if payment was not made within two months of prescribed cut-off date. Since then, there has been significant improvement in a few states and farmers received the claims on time,” said a senior government official, who did not wish to be identified.
The government will start with the assessment of eight crops, including paddy, maize, sorghum, soyabean, bajra, cotton, groundnut and guar in the ensuing kharif season.
The study will be conducted in at least five districts across three states of different agro-climatic zones on three crops covering at least 10 panchayats of a block in the district. The report has to be submitted by February 2020.
“Crop yield information is mandatory for insurance estimation under Pradhan Mantri Fasal Bima programme. The laborious crop-cutting experiments are time consuming resulting in delay of insurance settlements. Government wants to provide immediate relief to farmers. So, it has decided to use artificial intelligence and other technologies to assess the crop damage,” said a senior official of Mahalanobis National Crop Forecast Centre, the nodal office for this programme.
He said the need to go for new-age technology is also because in the existing method of crop yield estimation, the allocation and selection of fields for conducting crop cutting experiments (CCE) is based on the information of crop of previous years due to non-availability of current year information at the time of survey. “As a result, the precision of estimate is affected. The remote sensing technology and unnamed aerial surveys will help reaching the exact amount of crop yield for particular crop in the given agro climatic zone,” he said.