UP Krishak Durghatna Bima — ₹5 Lakh Farmer Accident Insurance

What is UP Krishak Durghatna Bima Yojana?

The Mukhyamantri Krishak Durghatna Bima Yojana is an Uttar Pradesh government scheme that provides ₹5 lakh insurance cover to farmers in case of accidental death or permanent disability. The premium is paid entirely by the state government — farmers pay nothing.

The scheme covers all registered farmers aged 18 to 70 years in Uttar Pradesh.

Key Benefits

The payment is made via DBT to the nominee's bank account.

Who is Eligible?

You ARE eligible if:

• You are a farmer registered in Uttar Pradesh (land records show you as a farmer/cultivator)
• You are between 18 to 70 years of age
• You hold land (own or as tenant) in your name in UP

Eligible accidents include:

• Road/rail/air accidents
• Drowning
• Animal/snake bite causing death
• Agricultural accident (machinery, fire in field)
• Natural disaster (lightning, flood)
• Any accidental death — NOT suicide or illness

You are NOT eligible if:

• You are not a farmer (non-agricultural land)
• The death/disability is due to illness, suicide, or self-inflicted injury
• You are above 70 years of age

Documents Required for Claim

(For accidental death claim — filed by family/nominee):

1. FIR copy — from the police (mandatory for accidental death)
2. Post-mortem report — from government hospital
3. Death certificate — issued by registrar
4. Aadhaar card — of deceased farmer and claimant (nominee)
5. Land records — khasra/khatauni proving the deceased was a farmer
6. Bank passbook — of nominee (Aadhaar-linked)
7. Relationship proof — if nominee is spouse, child, etc.
8. Photograph of deceased

(For disability claim — filed by injured farmer):

1. Disability certificate — from CMO/Civil Surgeon/Government hospital
2. Medical records — hospital reports, accident details
3. FIR (if vehicle accident or criminal case)
4. Aadhaar, land records, bank passbook of farmer

How to Claim — Step by Step

Claims must be filed within 45 days of the accident/death.

Step 1 — Register FIR and Get Medical Docs

For death: Ensure FIR is registered and post-mortem is done at a government hospital. For disability: Get medical certificate from government CMO/hospital.

Step 2 — Contact District Agriculture Office

Visit the District Agriculture Officer (DAA/District Agriculture Office) in your district with all documents.

Step 3 — Submit Claim Application

Submit the claim form with all documents to the District Agriculture Office. Get a receipt with application number.

Step 4 — Verification

Officials verify:

• Death certificate and post-mortem
• FIR and accident nature
• Farmer's land records and age

Step 5 — Insurance Company Processing

The district office forwards the claim to the empanelled insurance company. The company processes and approves within the stipulated period.

Step 6 — Payment

Approved claim amount is credited to nominee's/farmer's Aadhaar-linked bank account via DBT.

Frequently Asked Questions

1. My father died in a road accident. He was a farmer. How long do we have to file the claim?

You have 45 days from the date of the accident to file the claim. Do not delay — gather FIR, post-mortem report, and death certificate immediately.

2. The accident happened in another state. Is the UP farmer still covered?

Yes. Coverage is tied to the farmer's UP registration — the accident location does not matter. You need FIR from the accident location state and death certificate.

3. My husband had a heart attack while ploughing. Is this covered?

No. The scheme covers accidental causes only — not natural deaths from illness. Heart attack, even if it occurs during farm work, is classified as illness-related death and is not covered.

4. How do I check my father's registration under this scheme?

Check the Farmer Registration Portal: upagripardarshi.gov.in. Alternatively, confirm with your local Lekhpal (Patwari) who maintains land records.

5. The insurance company rejected our claim. What can we do?

File a written appeal with the District Agriculture Officer and the Divisional Commissioner's office. You can also approach the State Insurance Regulatory Authority or the Consumer Forum if the rejection is unjustified.

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