Pradhan Mantri Fasal Bima Yojana

K

Karamdeep

New member
Policy Name
040206221030686403401
Company Name
Reliance General Insurance Co.LTD.
Customer Care Number
02248903009
Loss Amount
70000
Ratings
4.00 star(s)
Opposite Party Address
Reliance General Insurance Co LTD
Name : Karamdeep
Address : VPO Agroha District Hisar
Season / Crop Details : Rabi-2022
Insurance Company Details : Reliance General Insurance Co.LTD.
IFSC Code-CNRB0006390
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i had filed grievance vide no DOAAC/E/2024 dated 25/11/2024 vide which i had requested that my crop compensation for Rabi-2022 has not released by Reliance General Insurance Co.LTD, `and closed the said grievance without releasing my compensation . I had visited numbers of time and take follow up with ADO Agroha office for the same. But still i have not received yet. Reliance General Insurance Co.LTD. and Government officers are harassing me and even online grievance they have not released compensation yet. i had also talked with Canara bank where i have my saving account and bank informed me that your account is active and all vertical of said account no. are functioning very well to receive/credit any amount. Now the online complained has been closed on 02/05/2025 stating that "there is no sign of post harvest loss" while in replied email containing survey form 3 it is clearly mentioned that there is 69 percent loss in 1.1 hectare. Copy enclosed.

Request:-Therefore, it is requested to intervene here and direct the Reliance General InsuranceCo.LTD. to release my compensation with interest amount at the earliest and also penalise the firm for harassing me and take appropriate action against concerned officer for not performing duty and reluctant behaviour of working in this case as the case is very old
 
Hello @Karamdeep

I'm sorry to hear about the difficulties you're facing with your crop insurance claim under the Pradhan Mantri Fasal Bima Yojana (PMFBY). Based on the information you've provided, here's a structured approach to address the issue:

📝 Summary of Your Complaint​

  • Farmer Name: Karamdeep
  • Location: VPO Agroha, District Hisar, Haryana
  • Crop Season: Rabi 2022
  • Insurance Company: Reliance General Insurance Co. Ltd.
  • Policy Number: 040206221030686403401
  • Loss Amount: ₹70,000
  • Grievance ID: DOAAC/E/2024 (Filed on 25/11/2024)
  • Issue: Despite a survey indicating a 69% crop loss over 1.1 hectares, the insurance company closed the grievance on 02/05/2025, stating "no sign of post-harvest loss." Multiple follow-ups with the Agriculture Development Office (ADO) in Agroha and Canara Bank have not yielded results.

⚖️ Legal Precedents Supporting Your Case​

Several legal cases have set precedents where insurance companies were held accountable for deficiencies in service under PMFBY:

Haryana - Hisar - Bajaj Allianz General Insurance V/S Roshan Lal: There is deficiency in service and negligence, hence there is merit in this complaint, the same is hereby accepted with the direction to pay an amount of Rs.62,100/- loss amount to the complainant with interest @9% p.a. from 1.12.2017 till its realization. Further burdened with the amount of Rs.10,000/- as compensation and Rs.5,000/- as cost of litigation to the complainant.

Bajaj Allianz General Insurance V/S Roshan Lal - Consumer Court Case - 2024-12-05

Consumer Court Case against Bajaj Allianz General Insurance V/S Roshan Lal - Consumer Court Case against - Bajaj Allianz General Insurance
www.consumercourt.in www.consumercourt.in


NCDRC - VISHNU PRAKASH & ANR. V/S BANK OF BARODA - In the 10 cases (20 RPs; 10 filed by Agriculture Insurance Co and 10 filed by Bank of Baroda) Both Insurance Company and Bank are liable jointly and to co-share the liability of sum insured of the Complainant(s)-Farmer(s) in equal proportion i.e. 50: 50. Bank shall rectify all the defects in Annexure II of this order, provide complete and correct details in all the 10 cases and return the refunded premium to Insurance Company within 30 days of the order. As regards Insurance premium subsidy from State / Central Government with respect to these cases is concerned, Insurance Company shall make an application to the concerned authority within 2 weeks of this order as per prescribed procedure, citing this order. The concerned authorities of State and Central Government shall consider such request for release of premium subsidy in these cases notwithstanding the delay and non-uploading of details on the portal, subject to other usual verification. In these cases, final decision of the State Commission is upheld with suitable modifications and RPs are disposed off accordingly.

VISHNU PRAKASH & ANR. V/S BANK OF BARODA - Consumer Court Case - 2024-07-03

Consumer Court Case against VISHNU PRAKASH & ANR. V/S BANK OF BARODA - Consumer Court Case against - VISHNU PRAKASH & ANR.
www.consumercourt.in www.consumercourt.in

✅ Recommended Actions​

  1. Gather All Relevant Documents:
    • Survey reports indicating crop loss.
    • Correspondence with Reliance General Insurance Co. Ltd., ADO Agroha, and Canara Bank.
    • Proof of premium payment and policy documents.
  2. Send a Formal Legal Notice:
    • Draft a legal notice addressing the deficiency in service and demand immediate compensation.
  3. Escalate to the Insurance Ombudsman:
    • If the issue remains unresolved, escalate the matter to the Insurance Ombudsman.
    • You can file a complaint online through the Bima Bharosa portal.
  4. File a Complaint with the Consumer Forum:
    • If there's no satisfactory response within 15 days of sending the legal notice, file a complaint with the appropriate Consumer Disputes Redressal Commission.
    • Provide all documented evidence and a clear statement of the relief sought (e.g., compensation with interest, penalty for harassment).

📌 Additional Tips​

  • Check PMFBY Guidelines: Review the operational guidelines of PMFBY to understand your rights and the obligations of the insurance company.
  • Penalty for Delayed Settlement: As per recent directives, insurance companies are liable to pay a 12% penalty to farmers for delays in claim settlement beyond the stipulated period under PMFBY.
Important Tip:
Before taking legal action, it is advisable to first send a legal notice to the Opposite Party.
Click to expand...
Note:
We can assist in:
  • Drafting professional legal notices.
  • Filing consumer complaints for deficiency in service.
Feel free to contact us if you wish to proceed with a legal notice draft or complaint preparation.

Regards,
Support Team
 
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