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Changes In Pradhan Mantri Fasal Bima Yojana प्रधानमंत्री फसल बीमा योजना में बदलाव

केंद्र सरकार द्वारा किसानों को उनकी फसल के नुकसान की भरपाई करने के लिए प्रधानमंत्री फसल बीमा योजना की शुरुआत की गयी है। यह योजना किसानों के हित में वर्ष 2016 से संचालित की गयी है। दरअसल प्रत्येक वर्ष प्राकृतिक कारणों जैसे – ओला वृष्टि, आँधी, बाढ़, सूखा, मूसलाधार बारिश के कारण किसानों के फसल को नुकसान पहुँचता है। किसानों को इस समस्या से उबरने में राहत पहुँचाने के लिए फसल बीमा योजना शुरू की गयी है। पहले इस योजना के तहत ऋण लेकर खेती करने वाले किसानों के लिए प्रधानमंत्री फसल बीमा योजना में पंजीकरण करवाना अनिवार्य होता था। किन्तु मार्च 2020 से फसल बीमा योजना में बदलाव किया गया है। अब फसल बीमा योजना में नामांकन करवाना किसानों के लिए वैकल्पिक कर दिया गया है। यानी अब किसान अपनी इच्छा के अनुसार फसल बीमा लेने का फैसला कर सकते हैं। इसके अतिरिक्त अन्य बदलाव भी योजना में किये गये है। आइये जाने प्रधानमंत्री फसल बीमा योजना  के बदले हुए  नियम का किसानों पर क्या असर पड़ेगा ?

Pradhan Mantri Fasal Bima Yojana New Rules  प्रधानमंत्री फसल बीमा योजना के नए नियम 

  • कृषि ऋण लेने के लिए फसल बीमा योजना में रजिस्ट्रेशन करवाना अब अनिवार्य नहीं होगा। इस योजना में रजिस्ट्रेशन करवाने का निर्णय अब किसान की इच्छा पर होगा। इस योजना को वैकल्पिक करने की किसानों की माँग को देखते हुए सरकार द्वारा बीमा योजना के नियमों में बदलाव किया गया है। दरअसल किसान क्रेडिट कार्ड धारक किसानों के अकाउंट में पैसा पहुँचने से पहले हीं बीमा कंपनियों द्वारा बीमा का प्रीमियम काट लिया जाता था। किसानों को इसका पता भी नहीं चलता था। कि बैंक अकाउंट से बीमा की किश्त कट चुकी है। अब किसानों को इस समस्या से मुक्ति मिल जायेगी।
  • प्रधानमंत्री फसल बीमा योजना के प्रीमियम में कोई बदलाव नहीं किया गया है। किसानों को रबी की फसल के लिए 1.5 % , खरीफ की फसल के लिए 2%, वाणिज्यिक और बागवानी फसलों के लिए अधिकतम 5% करना होगा।
  • अब किसान फसलों के बीमा का चुनाव वैकल्पिक आधार पर कर सकेंगे। जैसे – सूखा या बाढ़ या फिर दोनों आपदाओं के लिए अपनी इच्छानुसार चयन कर सकेंगे।
  • फसल बीमा योजना में पहले प्रशासनिक व्यय शामिल नहीं किया गया था। अब नए नियम के तहत इस बीमा योजना में 3% प्रशासनिक व्यय शामिल होगा।
  • निर्धारित समय -सीमा के अन्दर फसल बीमा प्रीमियम का भुगतान करने में असमर्थ राज्यों को प्रधानमंत्री फसल बीमा योजना से बाहर कर दिया जाएगा।
  • केन्द्रीय फसल बीमा योजना का संचालन भारतीय कृषि बीमा कंपनी (AIC) करती है। इस कंपनी द्वारा बीमा कंपनियों न्यूनतम 3 वर्ष के बीमा का कॉन्ट्रैक्ट दिया जाएगा। पहले एआईसी द्वारा बीमा कंपनियों को फसल बीमा का एक वर्ष का कॉन्ट्रैक्ट दिया जाता था।
  • देश के 151 आपदाग्रस्त ( बाढ़, जलभराव आदि) जिलों के लिए विशेष फसल बीमा योजना बनायी जायगी।
  • योजना के तहत फसल नुक्सान का आंकलन सैटेलाईट से किया जायगा। जिससे किसानों को बीमा दावा का भुगतान पहले के मुकाबले जल्दी प्राप्त हो सकेगा।

अधिक जानकारी के लिए विडियो देखिये For more information watch video below:

अन्य योजनायें पढ़िए हिंदी में :

आत्मनिर्भर भारत पैकेज से मिडिल क्लास को लाभ

झारखण्ड दीदी किचन योजना

केंद्रीय पेंशनर्स के लिए नयी गाइडलाइन्स जारी

 

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