Comprehensive risk insurance is provided to cover yield losses due to non- preventable risks, viz. Drought, Dry spells, Flood, Inundation, Pests and Diseases, Landslides, Natural Fire and Lightening, Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane and Tornado.

I. On account payment of claims due to mid season adversity of claims is applicable for standing crops in case of floods, prolonged dry spells, severe drought etc, where expected yield will be less than 50%.

II. Eligibility Criteria:
Eligibility Criteria for farmers who have paid the premium or whose premium has been debited from their account before the damage.

Note: If adversity occurs within 15 days before the normal harvest time, this provision will not be invoked. The provision is invoked by the State Government through damage notification based on the proxy Indicators.

III. Loss assessment procedure:

Joint Loss Assessment so conducted with government and if applicable the On-account payment would be calculated as per following formula:

(Threshold Yield - Estimated Yield)× Sum Insured × 25% Threshold Yield

Note: Maximum amount payable would be 25% of the likely claims, subject to adjustment against final claims.

IV. Time frame for loss assessment and submission of report
Eligibility: Intimation may be given within 72 hours by the farmer to Insurance Company.Loss assessment will be completed within 15 days after the damage. The On- Account payment would be disbursed by the Insurance Company without waiting for the receipt of final share of Govt. subsidy (Second Installment), as per scheme guidelines.

coverage is available only up to a maximum period of two weeks from harvesting for those crops which are allowed to dry in cut and spread condition in the field after harvesting against specific perils of cyclone and cyclonic rains and unseasonal rains.

I. The damage to the harvested crop after “cut and spread” in field due to cyclone, cyclonic rains and unseasonal rains throughout the country resulting in damage to harvested crop Maximum period is two weeks (14 days) from harvested date to drying purpose

II. Eligibility criteria: Only those farmers who have paid the premium / the premium has been debited from their account before the damage, Damaged by specified perils, up to 14 days after the harvesting is done.

III. Loss assessment procedure: Farmer needs to provide Intimation with in 72 hrs after the damage should be provided on our call center number 1800 266 0700, our local office, Concern bank, local agriculture department & district officials and Intimation must contain details of survey number-wise insured crop and acreage affected Farmer should also subsequently provide the filled Claim form along with all relevant documents as requisite for payment of claims The Loss assessor will be appointed and assessment will be completed within stipulated timelines post which the claims will be settled after the loss assessment report is finalized, subject to receipt of premium, as per scheme guidelines.

Loss/ damage resulting from occurrence of identified localized risks of hailstorm, landslide, Inundation, cloud burst and natural fire due to lightening affecting isolated farms in the notified area.

I. If crop losses occur due to any localized perils/calamities such as Landslide, Hailstorm, inundation, cloud burst and natural fire due to lightening affecting isolated farms in the notified areas or a plot the farmer is eligible to claim for a localized calamity.

II. Eligibility criteria: Only those farmers who have paid the premium / the premium has been debited from their account before the damage can claim. Note: Maximum pay-out would be in proportion to cost of inputs, incurred up to the occurrence of insured peril, subject to the sum insured. If the payout under area approach (based on CCEs data) is more than localized losses, the higher claims of two will be payable to insured farmers, subject to receipt of premium, as per scheme guidelines

III. Loss assessment procedure: Farmer needs to provide Intimation with in 72 hrs after the damage should be provided on our call center number 1800 266 0700, our local office, Concern bank, local agriculture deparment & district officials and Intimation must contain details of survey number-wise insured crop and acreage affected. Farmer should also subsequently provide the filled Claim form along with all relevant documents as requisite for payment of claims. The Loss assessor will be appointed and assessment will be completed within stipulated timelines post which the claims will be settled after the loss assessment report is finalized.

Note: Losses arising out of war and nuclear risks, malicious damage and other preventable risks shall be excluded.

IMPORTANT NOTE:

For any losses arising out of the above mentioned events the farmer should contact our company and intimate the loss within 72 hours of the event occurring along with survey number-wise insured crop and acreage affected and the Premium payment verification details as given to the Bank/Intermediary/CSC centers.

Local Newspaper cutting and any other available evidence to substantiate occurrence of loss event and severity of the loss, if any should also be provided as applicable.

1. The Farmers can reach out to us on1800 2660700 and update as soon as the loss has occurred.

2. The Farmers can also reach out to the District Agriculture Office and our representative will be intimated by the DAO office.

3. The Farmers can also reach out to their respective Banks.