Ramesh, a small-scale farmer in Maharashtra, cultivates wheat and soybeans on his 10-acre land. In 2023, he enrolled under the Pradhan Mantri Fasal Bima Yojana (PMFBY) to protect against yield losses due to natural calam

Ramesh, a small-scale farmer in Maharashtra, cultivates wheat and soybeans on his 10-acre land. In 2023, he enrolled under the Pradhan Mantri Fasal Bima Yojana (PMFBY) to protect against yield losses due to natural calamities. However, due to unexpected drought conditions, his crops suffered severe damage, leading to over 50% yield loss. When Ramesh filed a claim, he faced multiple challenges: The insurer stated that weather data from nearby stations did not indicate severe drought, affecting claim approval. Ramesh's claim was partially approved, citing average yield calculations across the district rather than individual farm losses. The survey process took longer time than expected, delaying compensation, which affected his ability to repay loans. Using your knowledge of PMFBY and agricultural insurance principles, analyze: How the government can improve agricultural insurance schemes to ensure timely claim settlements and fair farmer compensation?