Kshema El Niño Index Insurance is a specialised crop insurance solution designed to help farmers manage weather-related risks associated with El Niño conditions through predefined weather parameters:
Temperature
Relative humidity
Rainfall
No claim submission needed and no field assessment required
No matter what crop you grow, your coverage remains unchanged.
Payouts are triggered based on predefined weather conditions
Coverage spanning both Rabi and Kharif seasons
Clearly defined weather parameters that automatically trigger payouts.
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