Agriculture sector is demographically the most significant and broadest economic sector in India. Even a marginal dip in the agricultural production has trickled down effect on the whole economy. The variation in production is directly affected by many unfavourable conditions such as pest attacks, variations in weather conditions such as rainfall, temperature, humidity, etc. Thus, the need of the hour is to secure the yield and yield-based losses.
Therefore, HDFC ERGO is offering a comprehensive Yield-based Crop Insurance Policy along with weather insurance which is aimed at covering the production risks faced by the agricultural sector. This policy covers any shortfall in yield resulting due to Natural Fire and lightning, Storm, Hailstorm, cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood, Inundation, Landslide, Drought, Dry spells, Pests/ Diseases, etc.
Death of cattle
Any shortfall in yield resulting due to Natural Fire and lightning, Storm, Hailstorm, cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood, Inundation, Landslide, Drought, Dry spells, Pests/ Diseases, etc.
The burning of the property by order of any public authority or subterranean fire
Fire during harvest due to spark originating from engine exhaust and/or other hot machinery parts on harvesters and/or tractors
Controllable diseases, weeds and/or controllable insect infestations
Theft / clandestine sale of the Insured Crop
Poor crop stand due to either defective seed / sampling or unfavourable conditions prevailing during sowing period.
Crops destroyed due to the action of birds and animals.
Acts of Terrorism Loss or damage
Loss occurring due to industrial pollution and / or toxic waste
Any loss incurred to any crop which has been harvested prior to inspection by our loss assessor.
Any shortfall in yield resulting due to Natural Fire and lightning, Storm, Hailstorm, cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood, Inundation, Landslide, Drought, Dry spells, Pests/ Diseases, etc.
Premium chargeable depends on various factors such as the type of crop, location, historical yield data, calamity years in the specified area and the indemnity level of yield crop.
The claims under this policy will be estimated with the help of crop cutting experiment done in the insured area
Individual assessment will be done in the insured area for ascertaining loss at pre-sowing and post harvest stages.
In case of claim under this policy, please contact HDFC ERGO General Insurance Company Limited on Toll free no: 1800-2-700-700 (Accessible from India only)
Or write a letter to Claim Manager 6th floor, Leela Business Park, Andheri Kurla Road, Andheri (East), Mumbai, Pin- 400059
Duly completed claim form
Land records as per Government norms
Certificate from certifying agency nominated by Government or authorized by the Company
Other than Government subsidized scheme, two photographs of damaged or loss incurred area of insured Crop which shows the loss under the policy
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