Page 80 - MGMG JAN to JUNE-2018 FINAL

d. To ensure that Insurance amount goes to the actual land owners and not to unscrupulous
elements (even if they ended up imitating the farmer) it was decided to do Aadhaar enabled
payment much to the discomfort of many.

e. It may be pointed out that no outsourced vendor was used for software writing, training or help
desk.

f. The Government organization/ departments capacity was increased though continuous trainings,
motivation.

To summarize, the whole reformed system is based on IT and smart phone technology. The Public
Service Delivery in this case is (a) facilitating farmers to take up crop Insurance and (b) faster settlement
of Insurance claims. Both have become highly efficient and transparent

e- Inclusion

The entire system is available in both languages – English & Kannada. Initially, system was made
available in the local language. Support for English was added later to meet the needs of bank/insurance
company officials who were not well-versed in Kannada. All farmers covered under the scheme in the
state have been bought under the coverage through e-inclusion through CSC-VLE based service delivery
for non-loanee farmers.

Process re-engineering undertaken for the project:

? The system was not user-friendly to the farmers earlier. Banks were only place to go for information.
They were indifferent and farmers had no way of knowing which crops were notified for their land.

? Consultations were held with bank officials through Video Conference to ensure all bank branches
and insurance companies provide a farmer-friendly environment for crop insurance.

? Through CSC-SPV CSC-VLEs were roped in to support enrolment and submit claims on behalf of
farmers. This allowed 5000+ additional centres available for enrolment and claim submission.

? For the Government, inability to verify the ownership of land & extent of area for which crop insurance
is requested for was a problem. Government lacked verified ownership information that could be made
available to banks & insurance companies to prevent fraud.
? The Samrakshane system was designed to be connected to Aadhaar for authentication and Bhoomi
for land record details. This enabled e-verification of authenticity of land ownership and owner
details.

? Duplicate crop insurance applications & inability to quickly identify duplicate applications
? Through successful implementation of Samrakshane system and ensuring that all crop-insurance
activities are conducted using the online system, duplicate applications are systematically detected
in the online system. MIS reports are routinely reviewed and action taken

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