S09-Crop Insurance Mock Test 03
Crop insurance claim assessment requires careful conformity with policy terms and clear communication when discrepancies arise. Crop yield within an insurance unit is generally determined from the average yield of sample Crop Cutting Experiments (CCEs). NGOs and MFIs can support rural farmers by helping them access and understand crop insurance schemes. Loss assessors require a detailed Plan of Action covering field visits, farm identification, damage assessment, sampling, and loss calculation. Driage experiments help estimate final dried produce yield. Experimental plots may follow specified dimensions for CCEs. Agriculture contributes significantly to exports, while UAVs represent an evolution of agricultural aerial technology, complementing satellites for increasingly precise crop monitoring.
1. What happens if some aspects of the claim do not conform to the policy proposal?
a) The farmer may not be eligible to make a claim; the loss assessor will need to explain clearly the reasons why; if necessary a more senior field assessor or manager called in to explain
b) The farmer automatically receives 50% of the claim
c) The claim is referred to the government for approval
d) The loss assessor should ignore non-conforming aspects
e) The insurance company must pay regardless of non-conformity
2. How is yield of a crop in the insurance unit calculated?
a) By the highest single CCE yield
b) From the average of yields of entire sample CCEs conducted within the unit
c) From the government support price
d) Based on farmer declarations
e) From satellite imagery data alone
3. In CCIS, the premium and claims were shared between Central and State Government in what ratio?
a) 1:1 ratio
b) 3:2 ratio
c) 2:1 ratio
d) 4:1 ratio
e) 5:1 ratio
4. What is the role of NGOs/MFIs in the crop insurance linkage system?
a) NGOs/MFIs are not relevant to crop insurance
b) NGOs/MFIs only adjudicate claims
c) They have dedicated resources committed to agriculture and can help get the best out of crop insurance schemes for farmers in rural areas
d) NGOs/MFIs set the franchise threshold for farmers
e) NGOs/MFIs replace loss adjusters in rural areas
5. What is the eligible age range for elephants to be covered under elephant insurance?
a) 2 years to 50 years
b) 5 years to 60 years
c) 3 years to 50 years
d) 10 years to 70 years
e) 1 year to 40 years
6. What does the 'Plan of Action' for a loss assessor cover?
a) Only the method of calculating the loss
b) Only the procedure for sampling damaged crops
c) Only the practical plan for visiting fields
d) Practical plan for visiting the fields, procedure for identifying the farm and severity of damage, procedure for sampling the damaged crop, and method of calculating the loss
e) Only the paperwork to be completed after assessment
7. What is the purpose of driage experiments?
a) To measure the field area
b) To obtain estimates of yield in terms of final dried produce
c) To measure rainfall levels
d) To calculate insurance premium
e) To determine crop variety
8. What shape is the experimental plot in Uttar Pradesh for most crops?
a) Square 5m x 5m
b) Rectangle 10m x 5m
c) Equilateral triangle of side 10 meters
d) Circle of radius 1.7145 meters
e) Square 10m x 10m
9. About what percentage of total exports value did agriculture account for in 2013?
a) 0.04
b) 0.08
c) 0.12
d) 0.14
e) 0.18
10. Why are UAVs described as 'a natural progression in agriculture'?
a) UAVs are a completely new technology with no historical agricultural precedent
b) UAVs are only a progression in military technology
c) UAVs replaced manual farming completely
d) Agricultural aircraft have been in use since the 1920s; agricultural experts increasingly use satellites to assess crop health from the sky; UAVs are a natural progression from macro to micro, from large-scale to small-scale farms
e) UAVs are only useful for large farms, not small ones
