What happened: PIB backgrounder clarified PMFBY risk coverage and exclusions
The Ministry of Information and Broadcasting (PIB) issued a backgrounder explaining the Pradhan Mantri Fasal Bima Yojana (PMFBY) risk coverage across different stages of crop cultivation and harvesting, and listing major exclusions. The PIB note matters for UPSC because PMFBY questions often turn on “stage of loss” and “risk type” rather than vague descriptions of weather impacts.
PMFBY coverage design (what loss types are covered)
PMFBY coverage is described in the PIB note under four heads: yield losses during the crop season, prevented sowing when sowing does not happen, limited post-harvest protection for crops kept for drying in a specific condition, and farm-level coverage for localized calamities under stated conditions.
1) Yield losses (standing crops) — area-based coverage on notified area basis
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