The working group on risk management in


(e) Coverage of post harvest losses



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(e) Coverage of post harvest losses:
In some states, crops like rice, are left in the field for drying post harvest. Quite often, this
‘cut and spread crop is damaged, by cyclones, floods, etc, especially in coastal areas. Since,
the existing scheme covers risk only up to harvesting, these post-harvest risks are outside the purview of insurance. The Joint Group examined the issue in the light of difficulties in assessing such losses at an individual level, and recommended that the insurance cover maybe made available to post harvest losses, only for those crops in coastal areas, which are

allowed to dry in the field after harvesting and should be against cyclonic rains only, and that the cover be fora maximum of two weeks.
The Working Group agreed with the broad recommendation made by the Joint Group, but felt that the assessment could be done on a ‘re-sampling’ basis, instead of an ‘individual’
basis. In ‘re-sampling’, the affected area within the insurance unit would be segregated, and re-sampled for CCEs, using the earlier sampled plots, with additional plots based on the same sampling method.

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