Print Friendly, PDF & Email

Amit Singh is a small farmer in a northern state of India. He comes to know about recently launched PM fasal Bima Yojana. He was told by Gram Pradhan to visit his bank for further information. The bank officials completed the formalities and deducted the amount of premium from his account. After few days, heavy rain and hailstorm destroyed his wheat crop. Due to bad weather and incessant rain for three-four days he could not inform the bank officials. After four days, when he reached the bank to inform, he was told to visit insurance company office. When he finally contacted the insurance  Company officials, he was told that they were unable to process his claim as he was supposed to register crop loss within 72 hrs. of the incident. Suppose you are an officer at district level responsible to hear the complaints against the insurance claims and Amit Singh files a complaint before you then how you will tackle the issue? Discuss and also identify the ethical issues and their possible remedies.

Topic : Ethics based Case study

7. Amit Singh is a small farmer in a northern state of India. He comes to know about recently launched PM fasal Bima Yojana. He was told by Gram Pradhan to visit his bank for further information. The bank officials completed the formalities and deducted the amount of premium from his account. After few days, heavy rain and hailstorm destroyed his wheat crop. Due to bad weather and incessant rain for three-four days he could not inform the bank officials. After four days, when he reached the bank to inform, he was told to visit insurance company office. When he finally contacted the insurance  Company officials, he was told that they were unable to process his claim as he was supposed to register crop loss within 72 hrs. of the incident.

Suppose you are an officer at district level responsible to hear the complaints against the insurance claims and Amit Singh files a complaint before you then how you will tackle the issue? Discuss and also identify the ethical issues and their possible remedies. (250 words)

Why the question:

The question is a case study involving ethical issues concerning realization of insurance benefits to the poor and vulnerable farmers.

Key Demand of the question:

One has to suggest solutions to address the issue at hand and identify the ethical issues and their possible remedies.

Directive:

Discuss – This is an all-encompassing directive – you have to debate on paper by going through the details of the issues concerned by examining each one of them. You have to give reasons for both for and against arguments.

Structure of the answer:

Introduction:

Firstly discuss the context in question.

Body:

Briefly discuss the objectives of the PMFBY; Providing financial support to farmers suffering crop loss/damage arising out of unforeseen events, Stabilizing the income of farmers to ensure their continuance in farming etc.

Then talk about the issues involved in the above case – with respect to insurance claims, banks and the existing grievance redressal mechanism.

Suggest solutions to these problems – Citizen friendly governance or pro-active, pro-people governance, informed decision making, social contract etc.

Conclusion:

Conclude that the Government has responsibility of welfare of people under Social Contract. It is responsibility of government to make scheme farmer friendly and not insurance company friendly.