Crop insurance — cover for the season, not the machine
One failed monsoon should not undo three good years.
- Farmer premium share capped under PMFBY
- Covers sowing failure, standing-crop loss and post-harvest loss
- Localised calamity claims — hailstorm, landslide, inundation
- Enrolment help before the season deadline closes
Get a free crop insurance quote
Fill in the details and an advisor will call you with options from multiple insurers.
Pradhan Mantri Fasal Bima Yojana keeps the farmer's share of the premium low — a small percentage of the sum insured for Kharif and Rabi crops, and a higher share for commercial and horticultural crops — with the government meeting the rest. For a loanee farmer it is often already tied to the crop loan; for everyone else it is voluntary and easy to miss.
The part that catches people out is the calendar. Enrolment closes on a fixed date per season per state, and there is no enrolment after it, whatever the weather does afterwards.
What you get
- Farmer premium share capped under PMFBY
- Covers sowing failure, standing-crop loss and post-harvest loss
- Localised calamity claims — hailstorm, landslide, inundation
- Enrolment help before the season deadline closes
- Assistance when a claim is assessed lower than expected
What the policy covers
- Prevented sowing due to deficit rainfall
- Standing crop loss from drought, flood, pest or disease
- Post-harvest loss for a limited period after cutting
- Localised risks — hailstorm, landslide, inundation, cloudburst
Documents you will need
- Land records — Khasra, Khatauni or 7/12 extract
- Aadhaar and bank passbook
- Sowing certificate or self-declaration of crop sown
- Tenancy agreement, if farming leased land
Crop Insurance — common questions
Is crop insurance compulsory?
It is voluntary for all farmers. Loanee farmers are commonly enrolled through their crop loan by default, but can opt out by informing the bank before the cut-off date.
When do I have to enrol?
Before the enrolment deadline for that season in your state — one for Kharif, one for Rabi. The dates are fixed and there is no enrolment after them, so check yours as soon as you decide what to sow.
How is the claim decided?
Mainly by crop-cutting experiments at the notified unit level rather than on your individual field, so a payout depends on the yield across the whole unit. Localised risks such as hailstorm and inundation are the exception and are assessed for your own plot.
Also from Tractor Kharido Insurance
Tractor Insurance
Cover for the machine your whole season depends on.
Car Insurance
Compare, understand, then buy — in that order.
Two-Wheeler Insurance
The cheapest policy to buy, and the easiest one to let lapse.
Commercial Vehicle Insurance
When the vehicle is the business, the cover is not optional.
Health Insurance
A hospital bill is the fastest way to lose a farm.
Life Insurance
The cheapest policy is usually the right one. That is why it is rarely the one you are sold.