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Government-backed schemes that protect your crop against natural risks.
Why insure your crop?Low premiums (2% kharif / 1.5% rabi / 5% commercial), DBT pay-outs, covers natural fire, drought, flood, pests, and post-harvest losses.
Learn moreComprehensive crop insurance — kharif premium 2%, rabi 1.5%, horticulture 5%. Government bears the rest.
PMFBY covers losses from natural fire/lightning, storms, hailstorm, cyclone, drought, flood, landslides, pests & diseases, and post-harvest losses (up to 14 days from harvest). Sum insured equals the scale of finance for the notified crop. Claim settlement is through the implementing insurance company.
Insurance against weather perils — rainfall, temperature, humidity, wind. No yield assessment needed.
RWBCIS works on weather index — pay-out triggers automatically when measured weather parameter (e.g., excess/deficit rainfall) crosses a defined threshold at the reference weather station. Faster claim settlement than yield-based schemes.
Specialized cover for coconut palms aged 4-60 years against natural perils.
Available in major coconut-producing states. Sum insured per palm based on age — ₹900 for 4-15yr palms, ₹1,750 for 16-60yr palms. Premium is highly subsidized.
📌 Tip:Enrol before the cut-off date notified by your state for the season — late enrolment is rejected. If you took a Kisan Credit Card loan for a notified crop, you're auto-enrolled and can opt-out.