DigiClaim under PMFBY - A Detailed Explanation for UPSC Aspirants

What is DigiClaim PMFBY?

DigiClaim is a significant technological advancement in the agricultural sector. It is a digitalised claim settlement module under the PMFBY, designed to help farmers receive their insurance claims electronically, reducing the need for paperwork and physical transactions.

Key Features and Benefits of DigiClaim PMFBY

• Fast and Efficient: The platform digitalises the claim process, enabling farmers to receive their claims quickly and efficiently. It eliminates bureaucratic delays and ensures a time-bound settlement of claims.
• Real-Time Tracking: Farmers can track the claim settlement process on their mobile phones in real time, enhancing transparency in the process.
• Reduction in Claim Reversal Ratio: The DigiClaim platform is expected to significantly reduce the claim reversal ratio, ensuring that a higher number of genuine claims get settled.
• Integration with PFMS: For efficient operation, the National Crop Insurance Portal (NCIP) has been integrated with the Public Finance Management System (PFMS).
• Operational in Six States: The platform has been successfully operationalised in six states - Rajasthan, Uttar Pradesh, Himachal Pradesh, Chhattisgarh, Uttarakhand, and Haryana. Talks are underway to expand its reach to other states as well.

Understanding Pradhan Mantri Fasal Bima Yojana (PMFBY)

The PMFBY is a flagship scheme of the Indian Government aimed at providing agricultural insurance in India. It aligns with the theme of One Nation-One Scheme and covers a wide range of crops, including Annual Commercial/Annual Horticultural crops, oilseeds, and food crops like Cereals, Millets, and Pulses.

For more information on the PMFBY, click here.

Challenges with PMFBY

Despite its benefits, the PMFBY has faced several challenges, particularly in terms of claim settlement. Some of the key issues include delayed release of the premium share by states to insurance companies, non-adherence to deadlines in crop-cutting experiments, and delayed uploading of yield data onto the crop insurance portal.

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