Stay Updated with Our Latest Blogs
Subscribe to our blog and get the latest insurance tips, guides, and industry updates delivered to your inbox
Subscribe to our blog and get the latest insurance tips, guides, and industry updates delivered to your inbox
Crop Insurance
Farming is increasingly exposed to weather extremes, pests, market swings and rising input costs. The importance of crop insurance is that it converts these unpredictable risks into manageable financial outcomes — protecting farmers’ incomes, securing credit flows and stabilizing food supply. This article explains how crop insurance works, the concrete advantages for farmers and communities, and practical steps to choose the right cover in India.
Crop insurance reduces the financial shock of crop failure and supports resilience at farm and community level.
Explains direct indemnity payments, smoothing seasonal income and reducing distress sales.
Lenders prefer insured farms; insurance lowers perceived credit risk and encourages investment in quality seeds, fertilisers and technology.
When more farmers recover quickly after losses, supply volatility reduces and market prices stabilise.
Step 1: Choose policy type:Area-yield/area-loss (like many government schemes) vs. individual farm-level cover.
Step 2: Insured Sum and Premium:Sum insured typically linked to expected yield or crop value; premium may be shared between farmer, insurer and government.
Step 3: Loss assessment and claim process:Area-based schemes use sampled assessments or satellite data; individual policies use field inspections.
Step 4: Claim settlement:Indemnity paid after verification — timelines vary by scheme and insurer.
Shifts part of the financial burden of crop failure from farmer to insurer.
Provides an affordable way to protect income, with many schemes offering subsidised premiums.
Schemes like PMFBY in India provide wide coverage, premium subsidies and simplified enrolment.
Encourages sustainable farming practices and long-term planning by reducing downside risk.
Pradhan Mantri Fasal Bima Yojana (PMFBY), Weather-based Crop Insurance Scheme (WBCIS) and private products
Registration through banks, insurer portals, or local agriculture offices during notification period,keep land records and Aadhaar/ID ready.
Save purchase receipts, input bills and yield records; notify loss within the stipulated window to avoid rejection.
Area schemes are lower cost and administratively simpler; individual cover is better for high-value crops and heterogenous farms.
Drought, excess rainfall, floods, hail — typically covered under standard crop policies.
Some schemes cover widespread pest/disease outbreaks; proper documentation and early reporting are essential.
Check policy wording; some insurers offer add-ons or revenue insurance for price risk.
Crop insurance is a practical risk-management tool that secures farmer incomes, strengthens credit access and increases resilience to climate and market shocks. For farmers in India and elsewhere, the right policy — chosen with attention to coverage type, sum insured and claim process — turns unpredictable farm losses into manageable financial outcomes. At Kshema General Insurance (opens in a new tab), crop insurance solutions are designed to support this financial resilience.
Take action: check available schemes for your crop, gather required documents, and enrol during the notified window to ensure protection before the next season.
Crop insurance protects small farmers from catastrophic income loss after crop failure. It ensures quick financial relief, helps maintain access to credit and reduces the need for distress measures like forced asset sales.
Advantages include subsidised premiums, wide crop coverage, simplified enrolment through banks/portals, and faster settlement using area-yield assessments or satellite data — making protection affordable and scalable.
You must notify the insurer within the specified window. For area-based schemes, loss is estimated using sample surveys or remote sensing; for individual policies, field inspection quantifies yield loss. After verification, indemnity is paid based on the shortfall or sum insured.
Beyond payouts, crop insurance stabilises income, improves creditworthiness, encourages investment in better inputs and technologies, and reduces overall community vulnerability to shocks.
Many policies cover pest and disease outbreaks if they are widespread; some insurers or add-ons cover post-harvest losses. Always check the policy wording and exclusions before buying — the importance of crop insurance includes understanding these specifics to get suitable protection.
“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.”
IntroductionIf you own a vehicle, understanding third-party car insurance is essential. It is the most basic form of motor insurance and is required by law for all vehicles driven on Indian roads.What This Blog Covers • What third-party insurance means and how it works. • Why it is considered mandatory car insurance in India. • The benefits, coverage, and limitations of this policy. • The consequences of ignoring the car insurance legal requirement.This guide provides a clear overview of the leg
Meri Fasal Mera Byora is a Haryana government initiative to benefit the farmers of the state. It is an important platform for crop registration and provides access to various government agriculture-related benefits. As the Kharif 2026 season is in progress, completing registration correctly can help farmers avoid delays in receiving support and scheme benefits by understanding benefits of insurance to farmers.What This Guide CoversWho should register for kharif 2026Documents and details required
IntroductionCrop Loss in Karnataka remains a critical challenge for farmers, especially during the kharif season when weather uncertainties are at their peak. Understanding the causes and taking preventive measures can significantly reduce risks and improve yields by understanding proven ways to protect crops.In this blog, you’ll learn:Major causes behind crop damage in KarnatakaKey Karnataka kharif crop risks farmers should watch out forPractical strategies to minimise losses and protect cropsP
IntroductionThe Rythu Bharosa scheme in Telangana continues to play a crucial role in supporting farmers during Kharif 2026. This is the Telangana government’s flagship farmer investment support scheme for seeds, fertilisers, and labour. By providing timely financial assistance, it helps reduce input costs and stabilise agricultural income and improve financial security through benefits of insurance to farmers.What this blog coversKey advantages of the scheme in Kharif 2026How Rythu Bharosa supp
IntroductionThis is our Maharashtra Kharif crops guide that can help the farmers of Maharashtra plan the upcoming monsoon season effectively. With the right crop choices, sowing time, and risk protection strategies, farmers can maximise yield and reduce uncertainty with the help of https://kshema.co/plans/What this blog covers:Best crops suited for the Kharif season in MaharashtraIdeal sowing dates to ensure higher productivityRegion-wise considerations for crop planningPractical insurance tips
If your PM Kisan payment has not been credited in 2026, it can be both confusing and frustrating. Many farmers across India face delays due to technical or verification issues, but most problems can be resolved with the right steps.In this blog, you will learn:Why your instalment may be delayed or missingHow to complete a quick PM Kisan status checkWays to fix errors and receive future paymentsWhere to seek help if the issue persistsUnderstanding the PM-Kisan Samman Nidhi Scheme in 2026The PM-Ki