Insurance is a tool to protect you against a small probability of a large unexpected loss. It is a technique of providing people a means to transfer and share risk where losses suffered by few are met from the funds accumulated through small contributions made by many who are exposed to similar risks. Insurance is not a tool to make money but a tool to help compensate an individual or business for unexpected losses that might otherwise cause a financial disaster.

Crop insurance is a means of protecting the agriculturist against financial losses due to uncertainties that may arise from crop failures/losses arising from named or all unforeseen perils beyond their control.

All farmers growing notified crops in a notified area during the season who have insurable interest in the crop are eligible.

The Scheme covers all the crops for which past yield data will be available and grown during the notified season, in a Notified Area and for which yield estimation at the Notified Area level will be available. Broader crop categories which are included under the scheme are:
1) Food crops (Cereals, Millets & Pulses)
2) Oilseeds
3) Annual Commercial/Horticultural crops
5. What type of risks are covered under the scheme?

Following risks leading to crop loss are covered under the scheme:
1) Yield Losses (standing crops, on notified area basis): Comprehensive risk insurance is provided to cover yield losses due to non-preventable risks, such as

• i) Natural Fire and Lightning
• ii) Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane, Tornado etc.
• iii) Flood, Inundation and Landslide
• iv) Drought, Dry spells
• v) Pests/Diseases etc.

2) Prevented Sowing (on notified area basis): In cases where majority of the insured farmers of a notified area, having intent to sow/plant and incurred expenditure for the purpose, are prevented from sowing/planting the insured crop due to adverse weather conditions, shall be eligible for indemnity claims upto a maximum of 25% of the sum-insured.
3) Post-Harvest Losses (individual farm basis): Coverage is available upto a maximum period of 14 days from harvesting for those crops which are kept in “cut & spread” condition to dry in the field after harvesting, against specific perils of cyclone / cyclonic rains, unseasonal rains throughout the country.
4) Localised Calamities (individual farm basis): Loss/damage resulting from occurrence of identified localized risks i.e. hailstorm, landslide, and inundation affecting isolated farms in the notified area.

Risks and Losses arising out of following perils shall be excluded: war & kindred perils, nuclear risks, riots, malicious damage, theft, act of enmity, grazed and/or destroyed by domestic and/or wild animals.
In case of post-harvest losses the harvested crop bundled and heaped at a place before threshing, other preventable risks.

Weather based crop insurance aims to mitigate the hardship of the insured farmers against the likelihood of financial loss on account of anticipated crop loss resulting from incidence of adverse conditions of weather parameters like rainfall, temperature, frost, humidity etc.

Sum insured per hectare for both loanee and non-loanee farmers will be same and equal to the Scale of Finance as decided by the District Level Technical Committee, and would be pre-declared by State Government/State Level Coordination Committee on Crop Insurance (SLCCCI). Sum Insured for individual farmer is equal to the Sum Insured multiply by acreage of the notified crop. Sum insured for irrigated and un-irrigated areas may be separate.

The Actuarial Premium Rate (APR) would be charged under PMFBY by implementing agency (IA). The rate of Insurance Charges payable by the farmer will be as per the following table:

S. No.	Season	Crops	Maximum Insurance charges payable by farmer (% of Sum Insured)
1	Kharif	All foodgrain and Oilseeds crops (all Cereals, Millets, Pulses & Oilseeds crops)	2.0% of SI or Actuarial rate, whichever is less
2	Rabi	All foodgrain and Oilseeds crops (all Cereals, Millets, Pulses & Oilseeds crops)	1.5% of SI or Actuarial rate, whichever is less
3	Kharif and Rabi	Annual Commercial/Annual Horticultural crops	5% of SI or Actuarial rate, whichever is less

Various documents which are required for registration under the scheme are:

• Aadhaar card as identification proof
• Ration Card
• Bank details that include bank passbook
• Address proof of farmer (Driving license, passport, voter id card)
• Documents of land records
• Photograph of an applicant
• Information related to crop sowing date

The portal runs on Internet Explorer 9+, Mozilla Firefox and Google Chrome. The website is also mobile friendly and the users can access it on their mobile phones.

For registering a farmer under the scheme VLE will get a commission of Rs. 40 per transaction per farmer.

The portal does not allow single mobile number for multiple accounts. In case of creating user, this error occurs as there is a high probability that the user might have registered himself/herself already.

The user facing the error should check the Pending Applications tab in the User console.