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Crop Insurance
Crop insurance eligibility in India depends on the crop, season, and valid land or tenancy records. Both loanee and non-loanee farmers can apply if they meet notified criteria for the season.
Farmers who own land, cultivate leased land, or sharecroppers can apply for crop insurance under PMFBY (opens in a new tab) 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 (opens in a new tab) 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 (opens in a new tab) 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 (opens in a new tab) effectively.
Quick Answer
Farmers growing notified crops during the declared season with valid land or tenancy records are eligible for crop insurance.
Farmers owning land, tenant farmers with valid lease agreements, and sharecroppers managing crop production are eligible.
Eligibility for Crop Insurance:
Farmers who grow crops on their own land are the major beneficiaries of crop insurance (opens in a new tab). You must:
With Kshema, farmers can access comprehensive as well as customised crop insurance policies (opens in a new tab) that cover more than 100+ crops and protect from up to 8 perils.
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:
Kshema has designed its farm insurance plan – Kshema Sukriti (opens in a new tab) – by keeping affordability and customisation in mind for farmers who are looking for tailormade solutions.
Kshema Sukriti offers:
Several factors determine whether you qualify for crop insurance, including:
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:
Insurance providers assess regional risks before issuing policies. High-risk areas prone to perils like floods, or cyclones (opens in a new tab) may have:
Kshema General Insurance offers comprehensive plans (opens in a new tab) as well apart from customised solutions, based on location-specific risks, ensuring farmers in vulnerable regions get the protection they need.
A history of frequent insurance claims may lead to:
If you meet the eligibility criteria, here’s how you can apply
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 (opens in a new tab) is here to help. Contact us today to explore the best insurance options for your crop!
Secure your crops today! Download the Kshema App (opens in a new tab) or visit the PMFBY portal to apply for crop insurance and protect your farm in 2026
Landowners, tenant farmers with valid leases, and sharecroppers—if the crop is notified and premiums are paid on time.
Yes, tenant and sharecropper farmers can apply with valid proof.
Yes, Aadhaar is generally required for identification and claims.
Land records, Aadhaar, bank details, and crop information.
Yes, incorrect eligibility details can lead to rejection.
“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.”
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