PM Fasal Bima Yojana: How to claim insurance if crops are damaged

The Promise: Financial stability when nature turns against the farmer. The Trap: Missing the 72-hour deadline or falling for fake "Claim Approval" SMS links.

1. What is covered?

• Prevented Sowing: If rain fails and you can't sow.
• Standing Crop: Drought, dry spells, flood, pest attack.
• Post-Harvest: Cyclonic rains damaging cut crops in the field (up to 14 days).
• Localized Calamities: Hailstorm, landslide, cloudburst.

2. The 72-Hour Rule (Most Important)

If your crop is damaged, you MUST attempt to intimate the insurance company or Agriculture Dept within 72 hours. How to Intimate:

1. Crop Insurance App: The fastest way. Upload a photo of the damaged field with Geo-tag.
2. Toll-Free Number: Call the insurance company (list available on portal).
3. Bank/Agri Office: Submit a written application.

If you wait for 4 days, your claim can be rejected on technical grounds.

3. How to Apply/Check Status

For Loanee Farmers: It is usually automatic (deducted by Bank). Check your passbook to ensure "PMFBY Premium" was deducted. For Non-Loanee Farmers: You must apply voluntarily at CSC or online at pmfby.gov.in.

Checking Status:

1. Go to the portal.
2. Click "Application Status".
3. Enter Receipt Number.

[!warning] Scam Radar

• Red Flag: "Your claim of ₹50,000 is approved. Click link to verify bank account."
• Action: Never click links. Claims are credited directly via DBT. Check status on the official app only.

4. Documents needed for Claim

• Intimation proof (App screenshot).
• Land documents (7/12 etc).
• Sowing Certificate (Patwari report).