S09-Crop Insurance Mock Test 16
S-09 Crop Insurance covers PMFBY provisions, crop risk protection, CCEs, NCIP data management, and insurance premium principles. Under the revamped PMFBY, non-loanee farmers can obtain coverage through voluntary enrollment. States such as Gujarat and Karnataka were required to migrate their data to NCIP according to agreed timelines. PMFBY protects farmers against production risk by providing indemnity when actual yield falls below the threshold yield. Crop Cutting Experiments are generally conducted by State Agriculture Department officials using prescribed methodology. Historical yield data supports claim calculation and premium rating. Defined stakeholder roles improve scheme administration, while the Insurance Unit serves as the basic area for yield calculation.
1. How does the revamped PMFBY ensure that non-loanee farmers are provided coverage?
a) By making it mandatory for all non-loanee farmers
b) Through voluntary enrollment by non-loanee farmers
c) By automatically enrolling them through Jan Dhan accounts
d) Through employer enrollment
e) By state government bulk enrollment
2. What significant change regarding data migration was required for states like Gujarat and Karnataka?
a) Complete system overhaul immediately
b) Migration to NCIP from their existing portals as per agreed timelines
c) Adoption of a new state-level software
d) Shifting to paper-based enrollment
e) Outsourcing data management to private companies
3. The Experimental Crop Insurance Scheme (ECIS) was introduced during which season?
a) Kharif 1995-96
b) Kharif 1996-97
c) Rabi 1997-98
d) Kharif 1998-99
e) Rabi 1999-2000
4. How does PMFBY protect farmers from production risks?
a) By guaranteeing a minimum procurement price for all crops
b) By providing crop loss indemnity when actual yield falls below threshold yield
c) By providing free crop inputs to offset losses
d) By waiving loans automatically in case of crop failure
e) By providing alternative employment during crop failure
5. Pravin has a crop insurance policy with an 'excess of loss' clause of 7%. Pravin suffers a loss of 10%. What is the compensation payable by the insurance company?
a) No compensation as loss exceeds the excess of loss clause
b) A compensation of the entire 10%
c) A compensation of 7% of the 10% loss suffered
d) A compensation of 70% of the total loss
e) A compensation of 3% (difference between loss suffered 10% and excess of loss clause 7%)
6. Under PMFBY, who typically conducts Crop Cutting Experiments (CCEs)?
a) Insurance company surveyors
b) State agriculture department officials with prescribed methodology
c) Central government officials
d) Independent private agencies
e) NABARD officers
7. For which purpose shall all data pertaining to crop-wise, IU-wise historical yield be provided on NCIP?
a) For publishing agricultural statistics
b) For calculation of admissible claims for RWBCIS and premium rating and claim calculation
c) For preparing crop calendars
d) For allocating government subsidies
e) For calculating farmer income tax
8. Under R-PMFBY, what is the importance of having 'defined roles' for all stakeholders on NCIP?
a) To ensure legal compliance only
b) To ensure each stakeholder performs their specific responsibilities clearly for effective scheme administration
c) To allow overlapping responsibilities
d) To restrict unauthorized access only
e) To conduct performance appraisals
9. What is the basic unit for yield calculation under area-based PMFBY?
a) Individual farm
b) District
c) Insurance Unit (village/gram panchayat level)
d) State
e) Block
10. Which two factors generally determine the rates for hail insurance premiums?
a) Crop type and soil quality
b) Location and crop type
c) Farmer experience and irrigation
d) Season and temperature
e) Government subsidy and farm size
