PM FASAL BIMA YOJANA 2.0 -:

What is PM Fasal Bima Yojana 2.0 ?
Pradhan Mantri Fasal Bima Yojana 2.0 Whenever a new policy is implemented, its success depends on its popularity. Popularity can be achieved by making people aware. Only when a policy is implemented, its shortcomings are exposed over time. 

These shortcomings have to be rectified from time to time for the policy to be successful. Although the Pradhan Mantri Fasal Bima Yojana, which was launched in 2016 has been a successful scheme. But Pradhan Mantri Fasal Bima Yojana 2.0, announced in February 2020 tries to overcome the shortcomings of the earlier scheme.

What is Significant this scheme?
this revised scheme, the Pradhan Mantri Fasal Bima Yojana has been made completely voluntary. This means whether a farmer takes a loan under Kisan Credit Card (KCC) or not, crop insurance has been made optional for him. This has been done on the demand of the farmers.
Due to the availability of adequate irrigation facilities in areas like Punjab and Haryana, the challenges related to agriculture are less. Hence crop insurance is not required in these areas. But under the previous scheme, if these farmers used Kisan Credit Card (KCC) to take the loan, then it became mandatory for them to take the crop insurance. In many cases, farmers who used KCC were not even aware that they would have to pay the insurance premium in the process of loan repayment. This premium was automatically added to the principal amount. Therefore now, this provision in the scheme has been made optional.

 Benefit to Farmers ?
When this benefit was given automatically on taking a loan with the help of KCC, then no separate paper or certificate was given to the farmers regarding insurance cover. Therefore, in the event of the closure of the insurance company, it used to become difficult for the farmers to take legal action against that company.

Under this restructured Pradhan Mantri Fasal Bima Yojana, 6-7 districts are being linked to make a cluster. For the selection of insurance providers by the government, a tender for 3 years is being floated. Therefore, to increase their business, insurance companies will have to spread awareness among the farmers.

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