The Pradhan Mantri Fasal Bima Yojana (PMFBY) was launched to provide insurance coverage to farmers against crop failure. While the scheme mandates a uniform premium rate for farmers, it varies based on the crop category (e.g., Kharif, Rabi, horticultural crops). Statement 1 is incorrect because the premium is not uniform across all crops and seasons, though it is heavily subsidized. Statement 2 is correct as the scheme explicitly covers post-harvest losses for specific perils like cyclones and unseasonal rains within 14 days of harvesting.