Am I eligible for crop insurance? (1‑minute checklist)

  • Farmer type: Landowner / Tenant (valid lease) / Sharecropper
  • Insurable crop grown in notified area
  • Sowing within the notified window
  • Documents ready: Aadhaar, bank details, land record or lease
  • Premium can be paid before the last date

Introduction

Farmers who own land, cultivate leased land, or sharecroppers can apply for crop insurance under PMFBY and other schemes. Eligibility depends on crop type, location, and timely premium payment. This guide explains who qualifies, required documents, and how to apply for crop insurance in India.

Crop insurance is a critical safety net. It not only protects farmers from livelihood loss but also builds financial resilience among them.

At the heart of Kshema General Insurance lies a bold vision: to shift the mindset from traditional, defensive risk management to a strategic and progressive approach to resilience. We believe that true strength lies not just in surviving uncertainty, but in being prepared for it.

And Kshema fulfills this vision by providing tailored crop insurance solutions to help farmers secure their livelihoods. But who qualifies to buy a crop insurance policy?

In this guide, we’ll explore the eligibility for farm insurance, key requirements, and how Kshema General Insurance can help you protect your crops effectively.

Who is eligible for crop insurance in India?

Farmers owning land, tenant farmers with valid lease agreements, and sharecroppers managing crop production are eligible.

Eligibility for Crop Insurance:
• Farmers owning land and cultivating crops.
• Tenant farmers with valid lease agreements.
• Sharecroppers managing crop production.

Individual Farmers and Landowners

Farmers who grow crops on their own land are the major beneficiaries of crop insurance. You must:
  • Own land where you actively grow crops.
  • Cultivate insurable crops.
  • Be located in a region where farm insurance is available.
With Kshema, farmers can access comprehensive as well as customised crop insurance policies that cover more than 100+ crops and protect from up to 8 perils.

Tenant Farmers and Sharecroppers

Even if you don’t own the land, you can still qualify for insurance for crops. Tenant farmers and sharecroppers who lease land for cultivation are eligible if they:
  • Have a valid lease agreement with the landowner.
  • Bear the responsibility of crop management and production expenses.

Affordable & Customisable Policy

Kshema has designed its farm insurance plan – Kshema Sukriti – by keeping affordability and customisation in mind for farmers who are looking for tailormade solutions.

Kshema Sukriti offers:

  • Affordable premium rate, starting at INR 499 / acre .
  • Flexibility to choose 2 out of the 8 listed perils based on the risks in your area
Farmer typeProof
needed		       Eligible?
Landowner     Land record (RoR/Patta)        Yes
Tenant        Valid lease agreement        Yes
Sharecropper      Proof of cultivation responsibility        Yes

Factors Affecting Crop Insurance Eligibility

Several factors determine whether you qualify for crop insurance, including: 

Type of Crops Grown

Certain crops are more prone to specific risks than others. Kshema covers a wide range of crops, but the availability of the insurance policy or premium may depend on:

  • Regional agricultural practices.
  • Crop-specific risk levels.

Location and Climate Conditions

Insurance providers assess regional risks before issuing policies. High-risk areas prone to perils like floods, or cyclones may have:
  • Higher premiums due to increased risk.
  • Limited coverage options based on historical loss data.
Kshema General Insurance offers comprehensive plans as well apart from customised solutions, based on location-specific risks, ensuring farmers in vulnerable regions get the protection they need.

Previous Insurance Claims and Risk History

A history of frequent insurance claims may lead to:
  • Higher premium rates.
  • Restrictions on certain types of coverage.
  • More stringent eligibility checks.

How to Apply for Crop Insurance with Kshema General Insurance

If you meet the eligibility criteria, here’s how you can apply
  • Choose the right policy – Explore Kshema General Insurance’s crop insurance options.
  • Gather necessary documents – Include land ownership or lease agreements and crop production records.
  • Download the Kshema App – Download the Kshema app on your phone, mark your farm, choose a policy and pay the premium.
  • Consult an insurance expert – Get advice on the best policy for your farming needs by calling our toll-free number 1800 572 3013.
  • Stay informed – Follow up on policy updates and claim procedures.

Conclusion

Crop insurance is essential for protecting farmers against financial losses due to natural disasters and unpredictable events. Whether you are a marginal farmer, tenant, or a large farm-land owner farmer, Kshema General Insurance offers tailored solutions to ensure your financial resilience.

If you’re looking for a reliable crop insurance provider, Kshema General Insurance is here to help. Contact us today to explore the best insurance options for your crop!

Secure your crops today! Download the Kshema App or visit the PMFBY portal to apply for crop insurance and protect your farm in 2025

Frequently Asked Questions (FAQs)

1. Who is eligible for crop insurance in India?

Landowners, tenant farmers with valid leases, and sharecroppers—if the crop is notified and premiums are paid on time.

Yes, Many banks require it for crop loans—check your loan terms.

Yes, with a valid lease or proof of cultivation responsibility.

Land records, lease agreements, crop sowing details, Aadhaar card, and bank account information are required to apply for crop insurance.

The main schemes include PMFBY (Pradhan Mantri Fasal Bima Yojana) and state-level crop insurance programs.

Disclaimer:
“We do not assume any liability for any actions undertaken based on the information provided here. The information gathered from various sources and are displayed here for general guidance and does not constitute any professional advice or warranty of any kind.”