The “Coconut Palm Insurance Scheme (CPIS)” is being implemented by the Coconut Development Board, Ministry of Agriculture and Farmers Welfare, Government of India with the objectiv...
नारियल पाम बीमा योजना केंद्र सरकार की योजना है (Agriculture श्रेणी), जो पूरे भारत में लागू है। जानकारी का स्रोत/विभाग: Ministry Of Agriculture and Farmers Welfare। आवेदन पूरे साल खुले हैं या अंतिम तिथि घोषित नहीं है। आधिकारिक पेज: coconutboard.gov.in।
मुख्य जानकारी
विभाग / मंत्रालय: Ministry Of Agriculture and Farmers Welfare
**Sum Insured & Premium****:** Under this scheme, 50% of the premium is borne by the Board and balance is shared between the State Government and Farmers @ 25% each, as below:
Age group of PalmsPremium per plant/yearBoard’s Share (50%)State Govt. Share (25%) Farmer’s Share (25%) Sum insured per palm4-15 years ₹9₹4.50₹2.25₹2.25₹900/-16-60 years₹14₹7₹3.50₹3.50₹1750/-**Premium Subsidy:**
Of amount under above, 50% will be paid by Coconut Development Board (CDB) and 25% by State Government concerned and balance 25% will be paid by farmer/grower.
In case, the State government does not agrees to bear 25% share of premium, farmers/growers, will be required to pay 50% of premium, if interested in insurance scheme. In case some planters/growers’ association wishes to bear the premium on behalf of planters/growers, such associations may do so if they have ‘insurable interest’.
In any case, the planters/ growers shall have to bear a minimum of 10% premium. Premium subsidy amount (50% by CDB and 25% by participating States) will be released to Insurance Company in advance based on estimates, which will be replenished / adjusted on quarter/year basis.
**Insurance Term:**
A policy can be issued for a maximum period of three years for which rebate in premium @7.5% for two year policy and 12.5% for three year policy will be provided to the planters/growers.
Effort will be made to ensure that all eligible farmers/growers join the scheme by 31st March of year. However, those farmers/growers who do not join the scheme by 31st March may join the scheme subsequently, and in which case risk is covered from 1st day of succeeding month.
**Contingency Insured:**
This insurance policy pays for total loss of palm on account of happening of perils insured leadin
पात्रता (कौन ले सकता है)
> **Eligibility criteria:**
As per the Scheme, individual farmers/growers offering at least 5 healthy nuts-bearing palms for insurance in specified age groups, (4-60 years for dwarf, hybrid, and 7-60 years for tall) contiguous area/plots will be eligible for insurance.
**Note 01:** Insurance is for individual palms and not area-based.
**Note 02:** Partial insurance of the plantation is not allowed.
**Note 03:** A minimum of 5 healthy nut-bearing palms is the criterion to come under the insurance scheme.
> **Scope of cover:**
The scheme will cover all healthy palms within the insurable age group in areas/districts selected for implementation of the scheme. Partial insurance of plantations in contiguous areas is not allowed. Insurance coverage is from the 4th/7th year to the 60th year, and split into two age groups i.e. 4-15 years and 16-60 years, for fixing premium and sum insured.
Self-declaration of age group by insured farmer/grower in insurance proposal will be acceptable. Insurance Company may get the insured palms verified for authenticity, at any time before expiry of the policy period or payment of the claim. Insurance becomes void in the event of a wrong declaration of age or any material fact by the insured, concerning insurance.
> **Franchise:**
The claim is assessed only if a number of palms damaged, due to perils insured are in a contiguous area is more than the palms lost as shown for different slabs:
Sl. No.No. of Insured Palms in a contiguous areaFranchise (Palms lost) 1< 30 1231-100 23>100 3> **Waiting period:**
Loss/death of palms, within 30 days from inception of insurance, sum insured is not payable under the scheme, but this condition is not applicable in case of renewal of insurance, wi
आवेदन कैसे करें
**Offline**
> **Application Process:**
Farmers/growers desiring insurance may directly contact representatives/authorized agents of the Insurance Company or may contact the nearest office of the Agriculture/Horticulture Department.
Premium will be paid by farmer/grower, net off premium subsidy, through cash, cheque/bank draft, drawn in favour of Insurance Company.
- Loss of insured palms will be intimated by insured farmers to the insurance company within 15 (fifteen) days from the occurrence of peril, with all relevant details.
- The claims may also be intimated through concerned State Government Call Centers until the Implementing Agency (i.e. insurance company) sees up its own call centre.
Loss assessment certification is required to be furnished by the Coconut Development Board (CDB)/Agriculture/Horticulture Department/State Agriculture University (SAU), as authorized by the insurance company for each district, justifying cause for loss of palm, within 15 days from the intimation of loss.
ज़रूरी दस्तावेज़
Identity proof of farmer
Proposal forms along with premium amount (Preferably DD)
Proof of land record / Plantation or a certificate issued by revenue authorities to Agri. Dept. / CDB / Horticulture Department, depending upon the practice in a State
Declaration by a farmer that only healthy palms are insured.
A rough sketch of the plantation with the land identification number of each plot and the number of palms therein, the palms should preferably be numbered.
Bank account details
Other documents as required by the board
त्वरित जवाब
What is the 'Coconut Palm Insurance Scheme (CPIS)'?
The Coconut Palm Insurance Scheme is a program initiated by the Coconut Development Board, Ministry of Agriculture and Farmers Welfare, Government of India. It aims to provide insurance coverage to coconut palms against natural calamities, climatic risks, pests, diseases, and other perils.
What are the objectives of this scheme?
* Assist coconut growers in insuring coconut palms, against natural and other perils. * Provide timely relief to farmers, who suffer income loss due to sudden death of palms. * Minimize risk and encourage replanting and rejuvenation to make coconut farming remunerative.
Who is eligible for coverage under CPIS?
All healthy nut-bearing coconut palms in the age group of 4 to 60 years, whether grown as mono or intercropped, on bunds farms or homestead, and of all varieties including Tall, Dwarf, and Hybrids are eligible for coverage. Unhealthy and senile palms will be excluded.
How is the age range determined for coverage?
For Dwarf and Hybrid varieties, coverage begins from the 4th year of planting, while Tall variety coconut palms are eligible for coverage from the 7th year onwards, up to the age of 60 years.
Which areas and states are covered under the scheme?
* This insurance scheme will be implemented in the selected districts of all the States/UTs, growing coconut palms. * All bearing and healthy palms will be insured, in a contiguous area, by farmer/grower and every effort will be made by CDB, to get all bearing and healthy palms insured, in cluster villages of district(...
How is this scheme implemented?
The scheme is implemented through the Agriculture Insurance Company and collaborating State Governments in all coconut-growing states. Every effort is made by the Coconut Development Board to encourage farmers in cluster villages to insure all bearing and healthy palms in their respective districts.
How is the premium for CPIS determined?
The premium for CPIS is subsidized to make it accessible for farmers. The Coconut Development Board (CDB) contributes 50%, the State Government covers 25%, and the remaining 25% is the responsibility of the farmer or grower. In certain cases, if the State government does not agree to bear its share, the farmer may need...
Is there any premium subsidy provided to farmers?
Yes, there is a premium subsidy. The CDB and participating State Governments provide a subsidy amounting to 75% of the premium. The subsidy is released to the Insurance Company in advance based on estimates and is replenished/adjusted on a quarter/yearly basis.
Is there a waiting period for coverage under CPIS?
Yes, there is a waiting period of 30 days from the inception of insurance during which loss or death of palms is not payable. However, this condition is not applicable for renewals without a time gap.
What happens if a farmer wishes to retain an unproductive palm without felling it?
If a farmer/grower chooses to retain an unproductive palm without felling it, a salvage value of 50% of the sum insured will be deducted from the claim. Loss of the palm must be established through evidence of the occurrence of the insured peril.