Crop & farmer insurance

These are ceilings: if the actuarial rate is lower, you pay the lower rate. Only notified crops in notified areas are covered.

“Table 1 — Maximum Premium Rate payable by farmer (% of Sum Insured): Kharif, All Food grain and Oilseeds crops (all Cereals, Millets, Pulses and Oilseeds crops): 2.0% of SI or Actuarial rate, whichever is less; Rabi, All Food grain and Oilseeds crops (all Cereals, Millets, Pulses and Oilseeds crops): 1.5% of SI or Actuarial rate, whichever is less; Kharif and Rabi, Annual Commercial/ Annual Horticultural crops: 5% of SI or Actuarial rate, whichever is less; Perennial horticultural / commercial crops (pilot basis): 5% of SI or Actuarial rate, whichever is less”

Covers indigenous and crossbred milch animals, pack animals (horses, donkeys, mules, camels, ponies, male cattle/buffalo) and goats, sheep, pigs, rabbits, yak and mithun (item 2). Two-year and three-year policies cost at most 8% and 11% of value (9% and 11.5% in NE and Himalayan states). You may insure more animals by paying the full premium yourself. The minimum value of a cow is ₹3,000, and of a buffalo ₹4,000, per litre of daily milk yield, or the local market price declared by government (Appendix VI, para 2). The guidelines print both 21–25 days and 15 days as the time to pay a claim, with 12% compound interest a year if the insurer is late (Appendix VI, para 3).

“Rate of premium: One year (Normal area) 4.5% NER/Himalayan States 5.5% Two year (Normal area) 8% NER/Himalayan States 9% Three year (Normal area) 11% NER/Himalayan States 11.5% Share of premium: Beneficiary 15% Central and state share 85%”

“Fishers” here includes fish workers, fish farmers and anyone directly involved in fishing and allied activities (item 14.1(ii)). Cover is for 12 months and renewed every year (item 14.1(iii)). The Department of Fisheries decides how enrolment is run, together with the states (item 14.1(v)).

“The fishers shall be eligible for insurance and insurance coverage under the PMMSY is as below: (a) Rs.5.00 lakh against death or permanent total disability (b) Rs. 2.50 lakh against permanent partial disability … The entire premium amount will be shared between the centre and state as per the funding pattern of the PMMSY which means that no beneficiary contribution is envisaged.”

The guidelines leave the premium per palm blank, so we cannot show your share in rupees. Rebate of 7% on a 2-year and 12% on a 3-year policy. Dwarf/hybrid palms 4–60 years and tall palms 7–60 years; senile or unhealthy palms are excluded. A palm kept standing after it becomes unproductive is paid at 50%. Claims start only above the franchise: 1 palm lost (10–30 insured), 2 (31–100), 3 (over 100).

“The farmer or grower is responsible for paying 15% of the premium, while the Board would cover the remaining 85% as a subsidy.”

The ₹956 premium and the benefits are fixed by tender every two years and are stated for the period to November 2026. Trainees of the Board’s skill programmes get the first year free; DSP farm labourers are covered fully by the Board.

“For the Scheme Period up to November 2026, the total premium payable, inclusive of GST, shall be Rs.956. Out of this, the beneficiary shall be required to pay only the subsidized premium of Rs.143, and the balance shall be borne by the Board.”

These are ceilings: if the actuarial rate is lower, you pay that. Claims are worked out from weather data and the term sheet your state uploads for each area (cl. 2.10), not from crop-cutting experiments.

“13.1 The Actuarial Premium Rate (APR) would be charged under PMFBY& RWBCIS by the implementing Insurance Company. The rate of premium payable by the farmer will be as per the following Table 1: Kharif, All Food grain and Oilseeds crops (all Cereals, Millets, Pulses and Oilseeds crops): 2.0% of SI or Actuarial rate, whichever is less; Rabi, All Food grain and Oilseeds crops (all Cereals, Millets, Pulses and Oilseeds crops): 1.5% of SI or Actuarial rate, whichever is less; Kharif and Rabi, Annual Commercial/ Annual Horticultural crops: 5% of SI or Actuarial rate, whichever is less; Perennial horticultural / commercial crops (pilot basis): 5% of SI or Actuarial rate, whichever is less”

Paid once, for one crop cycle only. For cage culture, RAS, biofloc, raceways and similar intensive units the incentive is 40% of the premium up to ₹1 lakh, for units up to 1,800 m³. SC, ST and women get an additional 10% of the incentive payable to general category.

“1-B Incentivising aquaculture insurance — ‘Onetime incentive’ through NFDP will be provided in following manner: At the rate of 40% of the cost of premium subject to a limit of ₹ 25,000 per hectare of water spread area of the aquaculture farm. Maximum incentive payable to single farmer will be ₹ 1 lakh and maximum farm size eligible for incentive is 4 hectares of water spread area.”

Join between 18 and 50; cover ends at 55 (para 7, 9(1)). If you join for the first time, death from a cause other than an accident in the first 30 days is not covered (para 4). The premium is reviewed every year on claims experience (para 6).

“5. Benefits: Rs.2 lakh is payable on member’s death due to any cause. 6. Premium: Rs.436/- per annum per member.”

Cover ends at 70 or if the account is closed or lacks balance (Termination of cover 1–2). Only one account can carry the cover. The premium is reviewed every year on claims experience.

“Table of Benefits Sum Insured a Death Rs. 2 Lakh b Total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of hand or foot Rs. 2 Lakh c Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot Rs. 1 Lakh Premium: Rs. 20/- per annum per member.”

Money from PM Jeevan Jyoti Bima, PM Suraksha Bima or any other central or state scheme is deducted, and only the difference is paid; in a natural disaster the State Disaster Response Fund amount (₹4 lakh for death) is deducted. If those already reach ₹5 lakh, nothing is paid under this scheme (cl. 7). Not paid for suicide or for injury while committing a crime (cl. 5(3)). Age 18 to 70 on the date of the accident (cl. 4).

“इस योजना के अन्तर्गत कृषक की दुर्घटनावश मृत्यु/दिव्यांगता की दशा में अधिकतम रू0 5,00,000/-(रूपये पांच लाख मात्र) की सहायता राशि निम्नानुसार देय होगी, जो कि राज्य सरकार द्वारा वहन की जायेगी:- 1- मृत्यु अथवा पूर्ण शारीरिक अक्षमता की स्थिति 100 प्रतिशत; 2- दोनों हाथ अथवा दोनों पैर अथवा दोनों आंखों की क्षति 100 प्रतिशत; 3- एक हाथ तथा एक पैर की क्षति 100 प्रतिशत”

Money from PM Jeevan Jyoti Bima, PM Suraksha Bima or any other central or state scheme is deducted, and only the difference is paid; in a natural disaster the State Disaster Response Fund amount (₹4 lakh for death) is deducted. If those already reach ₹5 lakh, nothing is paid under this scheme (cl. 7). Not paid for suicide or for injury while committing a crime (cl. 5(3)). Age 18 to 70 on the date of the accident (cl. 4).

“4- एक हाथ या एक पैर या एक आंख की क्षति 50 प्रतिशत; 5- स्थायी दिव्यांगता 50 प्रतिशत से अधिक होने पर किन्तु 100 प्रतिशत से कम होने पर 50 प्रतिशत”

Money from PM Jeevan Jyoti Bima, PM Suraksha Bima or any other central or state scheme is deducted, and only the difference is paid; in a natural disaster the State Disaster Response Fund amount (₹4 lakh for death) is deducted. If those already reach ₹5 lakh, nothing is paid under this scheme (cl. 7). Not paid for suicide or for injury while committing a crime (cl. 5(3)). Age 18 to 70 on the date of the accident (cl. 4).

“6- स्थायी दिव्यांगता 25 प्रतिशत से अधिक होने पर किन्तु 50 प्रतिशत से कम होने पर 25 प्रतिशत”

Causes covered: floods, drought, cyclonic rain, landslide and siltation, pest or disease epidemic, unseasonal rain, accidental fire, lightning, cloudburst, earthquake and wild animals (cl. 2). All claims together are capped at ₹1.60 lakh per farmer; anything already paid from a calamity relief fund or by an insurance company is deducted (cl. 5(a)–(c)). A valid Krishi Card is mandatory (cl. 6(c)).

“(a) Crops like Paddy, Vegetables, Pulses, Flowers, Ragi (Nachni), including seasonal fruits like watermelons, tuber crops, turmeric etc. Rs. 40,000/- per ha. per season, per crop. … (f) Sugarcane: (i) Ready to harvest i.e. nine months and above: Maximum compensation Rs. 60,000/- per ha. (ii) Four to nine months maximum compensation Rs. 30,000/- per ha.”

Causes covered: floods, drought, cyclonic rain, landslide and siltation, pest or disease epidemic, unseasonal rain, accidental fire, lightning, cloudburst, earthquake and wild animals (cl. 2). All claims together are capped at ₹1.60 lakh per farmer; anything already paid from a calamity relief fund or by an insurance company is deducted (cl. 5(a)–(c)). A valid Krishi Card is mandatory (cl. 6(c)).

“(c) Coconut Palms: … (iii) Coconut palms yielding and above 7 years Rs. 5000/- per palm for total loss. (d) Cashew: (i) Yielding tree: Rs. 1000/- per tree for total loss. … (i) Mango: … (ii) Yielding tree above 10 years Rs. 8,000/- per tree for total loss.”

Causes covered: floods, drought, cyclonic rain, landslide and siltation, pest or disease epidemic, unseasonal rain, accidental fire, lightning, cloudburst, earthquake and wild animals (cl. 2). All claims together are capped at ₹1.60 lakh per farmer; anything already paid from a calamity relief fund or by an insurance company is deducted (cl. 5(a)–(c)). A valid Krishi Card is mandatory (cl. 6(c)).

“Losses of water Pumpsets, Pipe line, Drip system, Sprinkler system, all types of fence except stone wall fence … 25% of the losses to standard cost as per scheme guidelines or evaluated cost whichever is less, maximum upto Rs. 1.60 lakhs per farmer”

Covers death or injury while working with farm machinery — tractors, power tillers, weeders, threshers, chaff cutters, tools, tube-well or bore-well pumps, lifts — at home, on the farm or carrying them, and electric shock from powered farm machinery (cl. 2–3). The victim must be at least 14 years old (cl. 4). Only domicile farmers and farm labourers of Himachal; not workers of a company or contractor (cl. 2).

“Death — Compensation applicable as per existing guidelines 1,50,000/- — Revised compensation as per Budget Assurance 2019-20 3,00,000/-”

Covers death or injury while working with farm machinery — tractors, power tillers, weeders, threshers, chaff cutters, tools, tube-well or bore-well pumps, lifts — at home, on the farm or carrying them, and electric shock from powered farm machinery (cl. 2–3). The victim must be at least 14 years old (cl. 4). Only domicile farmers and farm labourers of Himachal; not workers of a company or contractor (cl. 2).

“Permanent disability due to breakage of backbone or otherwise — 50,000/- — 1,00,000/-”

Covers death or injury while working with farm machinery — tractors, power tillers, weeders, threshers, chaff cutters, tools, tube-well or bore-well pumps, lifts — at home, on the farm or carrying them, and electric shock from powered farm machinery (cl. 2–3). The victim must be at least 14 years old (cl. 4). Only domicile farmers and farm labourers of Himachal; not workers of a company or contractor (cl. 2).

“Amputation of two limbs/ permanent serious injury 40,000; Amputation of one limb (amputation of four fingers shall be deemed as loss of one limb)/ permanent serious injury 30,000; Amputation of full finger (up to 3 fingers) 20,000; Partial Amputation of finger/thumb 10,000”

Status unclear for 2026-27: the Agriculture Department’s circular of 03.07.2026 orders a re-verification of all Krishak Bandhu (Natun) beneficiaries and a match with PM-KISAN, and the 2026-27 Budget Speech (22.06.2026) does not mention Krishak Bandhu — it announces a separate ₹3,000 a year for farmer families instead. Check with your block Assistant Director of Agriculture before counting on this amount.

“Under Krishak Bandhu (Death Benefit) component, in the event of death of a farmer /recorded Bhagchasi (Share-cropper) in the age group of 18 - 60 years, the legal heirs of the deceased will be eligible for one time grant of Rs. 2,00,000/-(Rupees Two Lakh) only.”

Without this, PMFBY would charge you 2% (kharif), 1.5% (rabi) or 5% (annual/horticultural crops) of the sum insured. The Budget Speech 2025-26 (para 9) extends the same premium waiver to coconut under RWBCIS.

“by extending 100% subsidy on the premium payable by the farmers to cover all the loanee and non-loanee farmers under the scheme by the Government of Puducherry.”

Only for crops with more than 33% loss from the late-August 2026 floods, in the affected panchayats of the districts named in the covering letter (cl. 2.1, 4.1(iv)). Up to 2 hectares per farmer; minimum payment ₹1,000 (rainfed), ₹2,000 (irrigated), ₹2,500 (perennial) (cl. 1.3). One applicant per family (cl. 1.4). The rates follow the Disaster Management Department letter 6304 of 31.12.2022 (cl. 1.2).

“वर्षाश्रित (असिंचित) फसल क्षेत्र के लिए 8500 रूपये प्रति हेक्टेयर। यह अनुदान प्रति किसान अधिकतम दो हेक्टेयर के लिए ही देय होगा”

Only for crops with more than 33% loss from the late-August 2026 floods, in the affected panchayats of the districts named in the covering letter (cl. 2.1, 4.1(iv)). Up to 2 hectares per farmer; minimum payment ₹1,000 (rainfed), ₹2,000 (irrigated), ₹2,500 (perennial) (cl. 1.3). One applicant per family (cl. 1.4). The rates follow the Disaster Management Department letter 6304 of 31.12.2022 (cl. 1.2).

“सिंचित क्षेत्र के लिए 17000 रूपये प्रति हेक्टेयर। यह अनुदान प्रति किसान अधिकतम दो हेक्टेयर के लिए ही देय होगा”

Only for crops with more than 33% loss from the late-August 2026 floods, in the affected panchayats of the districts named in the covering letter (cl. 2.1, 4.1(iv)). Up to 2 hectares per farmer; minimum payment ₹1,000 (rainfed), ₹2,000 (irrigated), ₹2,500 (perennial) (cl. 1.3). One applicant per family (cl. 1.4). The rates follow the Disaster Management Department letter 6304 of 31.12.2022 (cl. 1.2).

“शाश्वत/बहुवर्षीय फसल के लिए 22500 रू0 प्रति हेक्टेयर। यह अनुदान प्रति किसान अधिकतम दो हेक्टेयर के लिए ही देय होगा”

Covers the farmer, landless farm labourer or certified woman farmer and their family members aged 10–75 (mother, father, spouse, son, unmarried, divorced or widowed daughter) (para (I)). Accidents counted include road or rail accidents, drowning, pesticide or other poisoning, electric shock, lightning, murder, falls, snake or scorpion bite, Naxal killing, animal attack, death in childbirth, riots, internal bleeding from an accident and heatstroke (para (III)). Not covered: natural death, suicide or self-injury, war, military service, murder by a close beneficiary, accidents while committing a crime, while driving aged 10–18, under intoxication, or in motor racing (para (IV)). Anyone who already got accident help from another government scheme is not eligible (para (II)(ब)). Landless labourers must be registered on e-Shram (para (V)(आ)).

“अपघाती मृत्यू — रु.२,००,०००/-; अपघातामुळे दोन डोळे अथवा दोन हात किंवा दोन पाय निकामी होणे — रु.२,००,०००/-; अपघातामुळे एक डोळा व एक हात किंवा एक पाय निकामी होणे — रु.२,००,०००/-”

Covers the farmer, landless farm labourer or certified woman farmer and their family members aged 10–75 (mother, father, spouse, son, unmarried, divorced or widowed daughter) (para (I)). Accidents counted include road or rail accidents, drowning, pesticide or other poisoning, electric shock, lightning, murder, falls, snake or scorpion bite, Naxal killing, animal attack, death in childbirth, riots, internal bleeding from an accident and heatstroke (para (III)). Not covered: natural death, suicide or self-injury, war, military service, murder by a close beneficiary, accidents while committing a crime, while driving aged 10–18, under intoxication, or in motor racing (para (IV)). Anyone who already got accident help from another government scheme is not eligible (para (II)(ब)). Landless labourers must be registered on e-Shram (para (V)(आ)).

“अपघातामुळे एक डोळा अथवा एक हात किंवा एक पाय निकामी होणे — रु.१,००,०००/-”

The ₹4 lakh is printed in the 2026-27 budget press note as the most the cover pays; the resolutions we read do not split it between death and the degrees of disability, so ask the district agriculture office for the exact amount in your case. The 2025-26 resolution covers khatedar farmers, their spouses and all their children (cl. 11).

“A provision of ₹146 crore for a scheme providing insurance coverage up to ₹4 lakh in case of accidental death/permanent disability of land holding farmers.”

Sum assured per acre: vegetables ₹30,000, spices ₹30,000, fruits ₹40,000 (cl. 7). Covered crops: tomato, onion, potato, cauliflower, pea, carrot, bhindi, bottle gourd, bitter gourd, brinjal, chilli, capsicum, cabbage, radish, turmeric, garlic, kinnow, guava, mango, ber and litchi (cl. 4). Perils: hail, frost, rain/flood/cloudburst/canal break/inundation, wind, and fire spreading over at least 50 acres (cl. 5); theft and animal damage are excluded (cl. 6). The compensation slabs are on page 4 of the notification, which is missing from the posted copy, so we show only what you pay. The 2026-27 budget speech (para 27(xxi)) proposes raising compensation to ₹50,000 an acre for fruits and ₹40,000 for vegetables and spices; ask the horticulture office for the current figures.

“MBBY shall charge to farmers per acre risk contribution @ 2.5% of Sum Assured value. The contributing amount for different crops shall be as under: Vegetables 30000 — 750; Spices 30000 — 750; Fruits 40000 — 1000”

Enter the premium, not the sum insured. Cows 2–8 years, buffaloes 3–8 years; up to 5 animals a household with subsidy (more at full premium). Value: up to ₹90,000 for a cow giving 10+ litres or a buffalo giving 8+ litres bought under Go-Palan / Buffalo Entrepreneurship / MKUY; other animals ₹6,500 (crossbred) or ₹9,000 (indigenous) per litre of milk (NABARD norm). Runs in addition to central NLM livestock insurance.

“85% of the insurance premium as Govt. share (Farmers share: 15% of the insurance premium) … 3 years 6.36% … 2 Years 4.505% … 1 Year 2.65%”

Paid by the Marketing Board, not an insurer. The department’s 2022-23 annual report adds that no premium is collected from farmers. The disclosure does not list the documents for a claim; ask the APMC.

“ಕೃಷಿ ಚಟುವಟಿಕೆಗಳಲ್ಲಿ ತೊಡಗಿದ್ದಾಗ ಅಥವಾ ಕೃಷಿ ಉತ್ಪನ್ನಗಳನ್ನು ಮಾರುಕಟ್ಟೆ ಪ್ರಾಂಗಣಗಳಿಗೆ ಸಾಗಾಣಿಕೆ ಮಾಡುವಾಗ ಅಪಘಾತ ಸಂಭವಿಸಿ ಮೃತಪಟ್ಟಲ್ಲಿ ಅವರ ವಾರಸುದಾರರು ರೂ.1,00,000-00 ಗಳನ್ನು … ಪರಿಹಾರವನ್ನು ಪಡೆದುಕೊಳ್ಳಬಹುದು.”

The disclosure does not print which disability gets which amount, so only the range is shown.

“ಅಥವಾ ಅಂಗವಿಕಲತೆಗೆ ಅನುಗುಣವಾಗಿ ರೂ.10,000/-ರಿಂದ ರೂ.50,000/-ಗಳ ವರೆಗೆ ಪರಿಹಾರವನ್ನು ಪಡೆದುಕೊಳ್ಳಬಹುದು.”