Ginger is a one-year cash and spice crop. This crop is ready in 7 to 9 months. Its soil remains under the soil. Its gram is used as a spice in vegetables, pickles, etc. for the purpose of increasing taste. Ginger helps in increasing the immunity of the human body and making the body healthy. Ginger is used as a medicine for diseases like asthma, cough, cold, cold.
As the proposal and declaration by the ginger owner, which is to be considered as the basis of this contract and included in the policy, on the basis of payment of the amount of insurance fee has been proposed to the insurance company and the insurer for the insurance mentioned below, the schedule of this policy, the schedule, the definition, the special provisions, the exceptions and conditions of this agreement are considered as an integral part of this agreement. The compensation amount will be paid to the concerned party according to the cost price.
Risks to protect the policy
Ginger insurance plans do not cover everything. In case of loss or damage within the period of ginger insurance mentioned in the Schedule for any of the following reasons, the insurer shall pay to the insured up to 90 per cent of the actual loss up to the limit of the sum assured mentioned in that Schedule. In addition, it protects against fire, lightning, earthquake, flood, landslide, landslide, landslide, drought, hail, snow or frost, accidental, accidental external causes, and damage caused by insects and diseases.
Conditions not to be protected
Ginger insurance does not pay claims in certain cases. If the ginger cultivator or his family members do not take care of it due to negligence or for the purpose of intentional recreation or for other reasons, if the insured ginger cultivation has to be destroyed on the orders of the legal body, if the insured ginger is stolen, if the insured sells or transfers ownership of his land, if the damage to ginger cultivation due to war, encroachment, foreign military action, the following is directly or indirectly created or due to its reciprocal addition. The insurer will not be liable for the claim if the ginger farmer gives the details in the proposal form or hides the reality required for the risk assessment.
Claim process
The source of seeds used for ginger cultivation should be government, semi-government bodies approved by the Government of Nepal, forest private sector, farmers’ groups, agricultural cooperatives. Also, the variety brought for ginger cultivation should be released, listed or registered by the National Seed Committee and the area-wise recommended variety or locally recommended by the Government of Nepal is in vogue at the local level. Ginger crop should be cultivated according to the recommended technology. The seed rate should be minimum 150 to 225 kg per ropani. In case of cultivation in samah, the block where ginger is cultivated can also belong to the same farmer or more than one farmer. While cultivating ginger, weeds should be properly managed and the preparation of the land should also be done properly. This policy will protect only ginger crop in case it is planted as an inter-crop with other crops. To insure ginger cultivation, there should be a minimum of one ropani of land in the hilly areas and a minimum of two kattha of land in the Terai region. The ginger should be insured within 15 days of the arrival of the seedlings, but there will be no insurance if the seedlings do not come. In case of ginger cultivation for more than three consecutive years in the same land/ field and field, it will not be insured. If the product is taken within the insurance period, the insurance company must be informed within seven days about the result of the production and the details of the area. The term of this policy shall expire after 12 o’clock in the night local time on the date mentioned in the schedule of this policy. A farmer will not be able to get partial insurance in the case of the same type of cultivation planted in the same place.
Special arrangements
In case of loss of ginger crop, the insured will have to submit the following documents to the insurer within 15 days. In addition to this, the original insurance policy, fully filled claim form, agricultural technical form, photograph of the damaged crop, in case of loss of ginger cultivation, this policy is calculated on the basis of productivity mentioned in Schedule 1 of this policy. This policy will be protected for a maximum of eight months from the date of ginger insurance. In case of damage within 30 days of the issuance of ginger wali’s policy, 60 percent of the insured amount of the damaged area will be paid. After 30 days, up to 90 percent claim will be paid based on the area of the claim up to 90 percent based on the area of the loss in the remaining insurance period. Within the insurance period, the area claimed by the insurance will not be included in the reinsurance.
