Question 1

Q1. What is the S-09 Surveyor Exam (Crop Insurance)?

Accepted Answer

It's a certification exam conducted by the Insurance Institute of India (III) for surveyors specializing in Crop Insurance. It enables candidates to qualify for pre-licensing approval from IRDAI to work as insurance surveyors and loss assessors.

Question 2

Q2. Who conducts the S-09 Surveyor exam?

Accepted Answer

The Insurance Institute of India (III), under authorization from IRDAI, conducts the S-09 exam as part of its Surveyor & Loss Assessor certification framework.

Question 3

Q3. What topics are covered in the S-09 Crop Insurance syllabus?

Accepted Answer

Topics include principles and practice of crop insurance, PMFBY scheme, RWBCIS, claim processing, surveyor roles, regulatory norms, and assessment techniques. Study material is available from III.

Question 4

Q4. What is the format of the exam paper?

Accepted Answer

It consists of 100 Multiple Choice Questions (MCQs), and candidates must attempt all. Total marks: 100. Passing criteria: Minimum 60 marks (i.e., 60%).

Question 5

Q5. How long is the exam duration?

Accepted Answer

The exam duration is 2 hours.

Question 6

Q6. In which months is the exam conducted?

Accepted Answer

The exam is held four times a year — in March, June, September, and December. Exact dates are announced in the III Examination Calendar.

Question 7

Q7. Is the exam conducted online?

Accepted Answer

Yes, the S-09 Surveyor exam is conducted online at designated centers across India and in select overseas centers.

Question 8

Q8. What is the registration fee and exam fee?

Accepted Answer

For new candidates, registration fee is ₹500. Examination fee per paper (including S-09) is ₹500 + applicable taxes, payable via online mode.

Question 9

Q9. What is the eligibility for appearing in the S-09 exam?

Accepted Answer

Candidates must be enrolled with IRDAI as trainee surveyors and have completed prescribed training with submission of quarterly training reports. IRDAI guidelines must be followed.

Question 10

Q10. How can I register and enroll for the exam?

Accepted Answer

Visit www.insuranceinstituteofindia.com. Create a Login ID, register as a member, map your profile, and then proceed to exam registration under 'Surveyors Exam' section.

Question 11

Q11. Can I book a slot for the exam date and time?

Accepted Answer

Yes, after enrollment and payment, you can book your preferred exam center, date, and time during the announced slot booking window.

Question 12

Q12. How do I get the hall ticket?

Accepted Answer

You must download the hall ticket from your profile on the III website. It will include your photo and signature uploaded during registration.

Question 13

Q13. What are acceptable ID proofs at the exam center?

Accepted Answer

Valid identity proofs include Aadhaar, PAN card, Driving License, Passport, Voter ID, and Employer ID. College ID with photo and stamp is also accepted.

Question 14

Q14. Where can I get study material for S-09?

Accepted Answer

Study books can be ordered online at the III website under 'Study Material'. S-09 is available in English (not Hindi) and includes crop risk frameworks, survey techniques, and insurance regulations.

Question 15

Q15. Is there an audio version for visually challenged candidates?

Accepted Answer

Audio versions for select subjects are available, but currently S-09 is not listed. Visually challenged candidates may request a scribe under III's disability support policy.

Question 16

Q16. Can I change my subject after enrollment?

Accepted Answer

Subject change is allowed only during the enrollment window. No changes are permitted after enrollment deadline.

Question 17

Q17. How do I know my exam result?

Accepted Answer

Your formal result is declared within ~30 days of exam completion and is communicated via SMS/email and posted on the candidate login portal.

Question 18

Q18. Is revaluation or retotaling allowed?

Accepted Answer

No. Retotaling or revaluation of answer papers is not available for online exams including S-09.

Question 19

Q19. How much time should I prepare for S-09?

Accepted Answer

Depending on your familiarity with crop insurance, 4–6 weeks of dedicated study is recommended. Prior field exposure in agriculture helps.

Question 20

Q20. Is there a prize or award for scoring high?

Accepted Answer

Yes! The Insurance Institute of India awards ₹1100 to the top scorer of S-09 in each exam session (subject to criteria).

Question 21

Q21. What is the focus of S-09 in the Surveyor exam?

Accepted Answer

S-09 focuses on crop insurance, including principles, practices, and regulatory frameworks relevant for surveyors assessing agricultural claims.

Question 22

Q22. What is crop insurance?

Accepted Answer

Crop insurance provides farmers with financial protection against losses due to natural calamities, pests, or diseases affecting crops.

Question 23

Q23. Which government scheme is most associated with crop insurance in India?

Accepted Answer

The Pradhan Mantri Fasal Bima Yojana (PMFBY) is the primary government scheme offering crop insurance to Indian farmers.

Question 24

Q24. Who can enroll in crop insurance programs?

Accepted Answer

Eligible farmers, both loanee and non-loanee, can enroll in crop insurance programs under approved schemes like PMFBY.

Question 25

Q25. What crops are typically covered under crop insurance?

Accepted Answer

Seasonal crops such as cereals, pulses, oilseeds, and horticultural crops are usually covered under crop insurance.

Question 26

Q26. What types of risks are covered in crop insurance?

Accepted Answer

Risks like drought, flood, cyclone, pests, diseases, and localized calamities are covered in most crop insurance policies.

Question 27

Q27. Who regulates crop insurance in India?

Accepted Answer

The Insurance Regulatory and Development Authority of India (IRDAI) oversees the administration and regulation of crop insurance in India.

Question 28

Q28. What is the role of a surveyor in crop insurance?

Accepted Answer

Surveyors assess crop damage, verify claim authenticity, and submit reports for processing insurance payouts.

Question 29

Q29. What is yield-based crop insurance?

Accepted Answer

Yield-based crop insurance compensates farmers if the actual yield falls below the threshold yield determined for the area.

Question 30

Q30. How is threshold yield calculated?

Accepted Answer

Threshold yield is typically the average yield of the past few years multiplied by the indemnity level for the crop.

Question 31

Q31. What documents are needed to file a crop insurance claim?

Accepted Answer

Farmers must provide land ownership proof, sowing certificate, crop photographs, and damage report to file a claim.

Question 32

Q32. Can surveyors use digital tools for damage assessment?

Accepted Answer

Yes, many surveyors use GPS tagging, drone imagery, and mobile apps to assess and record crop damage.

Question 33

Q33. What is an indemnity level in crop insurance?

Accepted Answer

Indemnity level indicates the percentage of threshold yield used to calculate compensation—typically set at 60%, 80%, or 90%.

Question 34

Q34. How is premium determined in crop insurance schemes?

Accepted Answer

Premium rates depend on crop type, area risk profile, and scheme guidelines—often subsidized by the government.

Question 35

Q35. Is crop insurance mandatory for loanee farmers?

Accepted Answer

Yes, loanee farmers must enroll in crop insurance as part of their loan agreement with financial institutions.

Question 36

Q36. How do surveyors contribute to timely claim settlement?

Accepted Answer

Surveyors enable timely claim settlement by conducting efficient field inspections and submitting accurate damage reports.

Question 37

Q37. What is area approach in crop insurance?

Accepted Answer

Area approach uses average yield data of a defined geographical unit to assess compensation eligibility under the scheme.

Question 38

Q38. Are post-harvest losses covered under crop insurance?

Accepted Answer

Yes, certain schemes include coverage for post-harvest losses due to risks like unseasonal rainfall during drying.

Question 39

Q39. What is the grievance redressal mechanism for crop insurance?

Accepted Answer

Farmers can approach insurance company helplines, district grievance committees, or IRDAI’s complaint portal for redressal.

Question 40

Q40. Do surveyors require certification to assess crop insurance claims?

Accepted Answer

Yes, surveyors must be licensed and certified under IRDAI-approved training programs to conduct agricultural assessments.

Question 41

Q41. What is the role of crop cutting experiments (CCEs) in insurance claim assessment?

Accepted Answer

CCEs are used to determine the actual yield of a crop in a specific area, which helps in calculating claim payouts under area-based crop insurance.

Question 42

Q42. Can surveyors recommend preventive measures for crop risk mitigation?

Accepted Answer

Yes, experienced surveyors often suggest agronomic and structural changes to reduce future crop losses and improve resilience.

Question 43

Q43. How does weather data contribute to crop insurance claims?

Accepted Answer

Weather data supports loss verification by correlating adverse events like drought or flooding with crop damage in specific regions.

Question 44

Q44. What is localized calamity coverage in crop insurance?

Accepted Answer

Localized calamity coverage compensates for losses in small pockets affected by events like hailstorms or landslides not impacting the entire area.

Question 45

Q45. How are disputes in crop insurance claims resolved?

Accepted Answer

Disputes are addressed through re-inspection, grievance committees, or escalation to IRDAI-appointed ombudsmen if unresolved at local levels.

Question 46

Q46. Are surveyors involved in post-season audits?

Accepted Answer

Yes, surveyors often participate in post-season audits to verify claim volumes, validate methodologies, and recommend policy adjustments.

Question 47

Q47. What is the turnaround time for claim settlement under PMFBY?

Accepted Answer

The PMFBY aims to settle valid claims within 45 days of yield data finalization and surveyor report submission.

Question 48

Q48. Can crop insurance cover prevented sowing risks?

Accepted Answer

Yes, some crop insurance schemes include coverage for prevented sowing due to prolonged adverse weather conditions.

Question 49

Q49. What role do Gram Panchayats play in crop insurance?

Accepted Answer

Gram Panchayats assist with farmer enrollment, facilitate data collection, and help coordinate damage verification with surveyors.

Question 50

Q50. Can crop insurance claims be rejected?

Accepted Answer

Yes, claims may be rejected if documentation is incomplete, timelines aren’t followed, or damage isn’t validated by the surveyor.

Question 51

Q51. Is there a mobile app for crop insurance claim submission?

Accepted Answer

Yes, several states have mobile apps that allow farmers to report crop damage and initiate claims digitally, improving transparency.

Question 52

Q52. Are horticultural crops covered under crop insurance?

Accepted Answer

Yes, many crop insurance schemes include high-value horticultural crops, though coverage details vary by region and insurer.

Question 53

Q53. What is basis risk in crop insurance?

Accepted Answer

Basis risk occurs when individual farmers suffer losses but no compensation is paid due to the area average yield exceeding the threshold.

Question 54

Q54. Do surveyors report on sowing delays?

Accepted Answer

Yes, surveyors assess sowing patterns and report delays that might impact crop growth and trigger insurance provisions.

Question 55

Q55. What is the difference between PMFBY and Weather-Based Crop Insurance Scheme (WBCIS)?

Accepted Answer

PMFBY is yield-based while WBCIS provides payouts based on deviations in weather parameters like rainfall and temperature.

Question 56

Q56. Are replanting costs covered under crop insurance?

Accepted Answer

Some schemes may cover replanting expenses if crops fail during initial growth due to insured perils like flood or pest attack.

Question 57

Q57. What is the role of district agriculture officers in crop insurance?

Accepted Answer

District agriculture officers help coordinate crop cutting experiments, validate data, and oversee timely implementation of insurance protocols.

Question 58

Q58. Are leased land cultivators eligible for crop insurance?

Accepted Answer

Yes, cultivators on leased land can avail crop insurance by submitting proof of cultivation and lease documentation, subject to scheme terms.

Question 59

Q59. How are surveyor performance reviews conducted?

Accepted Answer

Insurers and regulatory bodies assess surveyor performance based on accuracy, timeliness, and adherence to field protocol and reporting formats.

Question 60

Q40. Can satellite imagery be used in crop insurance verification?

Accepted Answer

Yes, satellite imagery supports crop area validation, damage detection, and corroboration of field data provided by surveyors.

🎯 Start Your Free Mock Tests

S-09 Surveyor's Pre-Qualifying Exam - Crop Insurance

Paid Version

Buy For

Rs. 499/-

Free Version

Try Now

Exam Helps

Frequently Asked Questions: S-09 Surveyors Pre-Qualifying Exam - Crop Insurance