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Weather Based Crop
Weather Based Crop Insurance Scheme
Key Features
An All-rounder Health Cover to Guard Your Family
Coverage Highlights
Get comprehensive coverage for your health
Choose from Best of Plans
Choose from multiple plans to meet your requirements
Wide Sum Insured Options
Select adequate sum insured that suits you starting INR 3 lacs to INR 1 crore
Unlimited Reinstatement Benefit & Recharge
Get the option of unlimited reinstatement of sum insured even after it is exhausted after claims
Maternity & Newborn Care
Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans
Preventive Health Check-Up
Start receiving annual preventive health check-ups after 2/3 policy renewals as per the chosen plan
Online Discount
Get flat 5% discount when you buy a policy on our website or our Caringly Yours app
Zone Discount
Avail discounts of 20% for Zone B and 30% for Zone C depending on where you live
Fitness Discount & Wellness Discount
Avail up to 12.5% wellness discount for healthy habits on renewal
Note
Please read policy wording for detailed terms and conditions
Inclusions
What’s covered?Hospitalisation & Day Care Expenses
Coverage for the cost of in-patient hospitalisation (including room rent type choices), all types of day care procedures, and surgeries
Pre & Post-Hospitalisation Expenses
Pre-hospitalisation expenses (up to 60 days) and post-hospitalisation expenses (up to 90 days) are covered as per policy terms
Organ Donor Expenses
Medical expenses for an organ donor’s in-patient treatment during organ harvesting are covered, provided the insured is the recipient of the donated organ
AYUSH Hospitalization cost
Coverage for ayurvedic, yoga, unani, siddha and homeopathic (AYUSH) treatment on a doctor’s advice for treating illness or physical injury
Maternity & Newborn Care
Medical expenses related to delivery of baby and towards treatment of the new born baby are covered under select plans
Sum Insured Reinstatement
Exhausted sum insured exhausted or SI will be reinstated so that you can avail full coverage for your next claim in a policy year (as per policy terms) if needed
Recharge (For SI 5 Lacs Onwards)
If an unfortunate claim exhausts Sum Insured limit, the then additional amount of 20% Sum Insured (up to 25 INR lacs) will be available
Cumulative Bonus
Sum Insured automatically increases at renewal by opted percentage if there is no claim in expiring period
Floater & Individual Sum Insured
Option to cover your family members under shared SI in case of a floater plan or separate SI in case of an individual plan
Note
Please read policy wording for detailed terms and conditions
Exclusions
What’s not covered?Initial Waiting Period
Treatment expenses during the first 30 days except for treatment of accidental injuries
Pre-Existing Diseases
Treatment expenses for pre-existing diseases such as diabetes, asthma, thyroid and other PED, are excluded until 36 months from date of your first Health Guard Policy
Specific Illness Treatment
Treatment expenses for specified illnesses, including hernia, gout, endometriosis, and cataract are excluded until 24 months from date of your first Health Guard Policy
Maternity Expenses
Treatment expenses related to maternity are excluded until 72 months from date of your first Health Guard Policy
Expenses for Medical Investigation & Evaluation
Medical expenses primarily for diagnostic procedures and medical evaluation unrelated to the current diagnosis or treatment
Dietary Supplements & Substances
Cost of supplements that are purchased without a prescription by a certified doctor as a part of treatment, including vitamins, minerals and organic substances
Cosmetic Surgery Expenses
Treatment to change appearance unless it is for reconstruction required for a medically essential treatment or following an accident or burns
Treatment for Self-Inflicted Acts
Medical expenses incurred as a result of self-harm, as a result of intoxication, illegal actions, hazardous activities, etc.
Deductibles & Co-pays
Part of the claim will be borne by you if you have opted for deductibles or co-pay
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?Air Ambulance Cover (Available for SI 5 Lacs & Above)
Covers expenses incurred for rapid ambulance transportation to the nearest hospital in an airplane or helicopter from the first incident site of illness or accident during policy period
Voluntary Aggregate Deductible
Covers medical expenses for in-patient hospitalisation beyond the voluntary aggregate deductible limit (INR 50,000/ INR 1,00,000/ INR 2,00,000/ INR 3,00,000) as opted as per policy terms for in-patient hospitalisation treatment
Health Prime Rider
Coverage for in-person or online doctor consultation, dental wellness, emotional wellness, and diet & nutrition consultations as per the chosen plan
Respect Rider (Senior Care)
Senior citizens can avail emergency assistance with services such as SOS alert, doctor on call, and 24x7 ambulance service
Room Capping Waiver
Removes the room type restriction of "up to single private air-conditioned room" for Health Guard Gold and Platinum plans and provides coverage for actual room rent expenses without a limit
More Add-Ons
Explore more add-ons to enhance coverage
Details of Weather Based Crop Insurance
Adverse weather conditions are one of the biggest challenges faced by Indian farmers, often resulting in significant crop losses. Recognising this, the Weather Based Crop Insurance Scheme (WBCIS) was introduced to provide financial security and mitigate the hardships of farmers. Unlike traditional crop insurance that relies on yield-based assessments, WBCIS uses weather parameters such as rainfall, temperature, and humidity as "proxies" to calculate losses. This innovative approach ensures faster claims processing and transparency, providing a lifeline to farmers nationwide.
Objective of Weather Based Crop Insurance Scheme
The Weather Based Crop Insurance Scheme aims to safeguard farmers from financial distress caused by unpredictable weather. Key objectives include:
- Mitigating crop losses due to adverse weather conditions like drought, excess rainfall, and frost.
- Encouraging farmers to adopt modern and resilient farming techniques.
- Providing financial stability and enhancing confidence in agricultural practices.
- Promoting the use of technology for weather data collection and assessment.
- Offering faster and transparent claim settlements based on weather triggers.
Benefits You Deserve
Wide coverage
Choose your coverage as per your requirement
Wellness Discount
Stay fit during the policy year and enjoy 12.5% discount on renewal
Reinstatement Benefits
Unlimited reinstatement of the sum insured upto 100% SI after its depletion
Benefits of Restructured Weather Based Crop Insurance Scheme
The Restructured Weather Based Crop Insurance Scheme (RWBCIS) provides several benefits:
- Reduced Risk: Farmers are safeguarded against weather uncertainties.
- Cost-Effective: Affordable premiums ensure easy accessibility.
- Quick Claims: Automated processes enable faster payouts.
- Enhanced Transparency: Weather data ensures impartial claim settlements.
- Wider Reach: Covers food crops, oilseeds, and commercial crops.
By addressing both financial and operational challenges, RWBCIS strengthens the agricultural ecosystem.
Comparison between National Agricultural Insurance Scheme (NAIS) and Weather Based Crop Insurance Scheme (WBCIS)
While both schemes aim to protect farmers, WBCIS offers a more streamlined and efficient approach. Here's a comparison:
- Risk Coverage: NAIS covers all risks, including pest infestations, while WBCIS focuses on weather-related risks like rainfall, temperature, and humidity.
- Data Requirements: NAIS relies on historical yield data (10+ years), whereas WBCIS requires up to 25 years of weather data.
- Claim Assessment: NAIS involves crop-cutting experiments, making it time-consuming. WBCIS eliminates this process by using weather data for quicker claim settlements.
- Transparency: WBCIS offers higher transparency as it uses objective weather parameters for payouts.
- Cost: NAIS incurs high assessment costs, while WBCIS significantly reduces these costs through its parametric model.
How Does the Weather Based Crop Insurance Scheme (WBCIS) Operate?
The Weather Based Crop Insurance Scheme operates on an “Area Approach,” ensuring uniformity in claim assessments for all farmers within a designated area. Key operational aspects include:
- Reference Unit Area (RUA): Defined by the State Government, this is the basis for compensation.
- Weather Triggers: Payouts are triggered based on deviations in weather parameters like rainfall or temperature from pre-defined norms.
- Reference Weather Stations (RWS): Each RUA is linked to an RWS that collects data to assess claims.
- Adverse Weather Incidences: Farmers are compensated when adverse weather conditions result in crop losses as per the predefined thresholds.
This area-based model simplifies claim processing and ensures timely payouts for affected farmers.
Farmers Covered
All the farmers including sharecroppers and tenant farmers growing the notified crops in the notified areas are eligible for coverage under this scheme. However, farmers should have insurable interest on the insured crop. The non-loanee farmers are required to submit necessary documentary evidence of land records and/or applicable contract/ agreement details (in case of sharecroppers / tenant farmers).
All farmers availing Seasonal Agricultural Operations (SAO) loans from Financial Institutions (i.e. loanee farmers) for the crop(s) notified are compulsorily covered.
The Scheme is optional for the non-loanee farmers. They can choose between WBCIS and PMFBY, and also the insurance company based on their requirements.
Weather Perils Covered Under WBCIS
The Weather Based Crop Insurance Scheme offers protection against a variety of weather-related risks, including:
- Rainfall: Deficit, excess, unseasonal rainfall, dry spells, or rainy days.
- Temperature: Extreme heat or cold.
- Humidity: Deviations in relative humidity.
- Wind Speed: High wind speeds lead to crop damage.
- Add-on Coverage: Hailstorms and cloudbursts, provided farmers have basic coverage.
These parameters are designed to address the diverse challenges faced by farmers.
Premium Rates of Weather Based Crop Insurance Scheme
The premium rates for WBCIS are designed to be affordable for farmers while ensuring comprehensive coverage:
1. Kharif Season: 2% of the Sum Insured (SI) for food and oilseed crops.
2. Rabi Season: 1.5% of the SI for food and oilseed crops.
3. Commercial/Horticultural Crops: 5% of the SI for both Kharif and Rabi seasons.
The government subsidises the remaining premium amount, ensuring that farmers pay only a nominal share.
Period of Risk (Insurance Period)
Risk period would ideally be from sowing to maturity of the crop. Risk period depending on the duration of the crop and the weather parameters chosen, could vary with individual crop and reference unit area. The risk period would be notified by the State Level Co-ordination Committee on Crop Insurance (SLCCCI) before the commencement of the same.
How to Apply for Weather Based Crop Insurance Scheme?
Farmers can apply for WBCIS through the following steps:
- Visit the nearest bank or agricultural cooperative offering WBCIS.
- Submit required documents, such as land ownership proof or tenancy agreements.
- Choose the desired coverage between WBCIS and PMFBY based on specific needs.
- Pay the premium, either directly or through financial institutions, for loanee farmers.
- Ensure all details are accurately recorded to facilitate smooth claim processing.
Claims
1. Ahmednagar
2. Hingoli
3. Beed
4. Amravati
5. Aurangabad
6. Jalgaon
7. Latur
8. Palghar
9. Parbhani
10. Sangali
11. Satara
12. Thane
13. Solapur
14. Washim
15. Yawatmal
Claim Procedure of Weather Based Crop Insurance Scheme
Claim settlement under WBCIS is streamlined for faster resolution. Key steps include:
- Claims are triggered automatically based on weather data from notified Reference Weather Stations (RWS).
- Weather deviations are assessed against pre-defined triggers for each crop and region.
- Farmers do not need to file individual claims; payouts are processed automatically.
- Payouts are credited directly to farmers' accounts, reducing delays.
- The process ensures complete transparency, relying on government-verified weather data.
This efficient process minimises bureaucratic hurdles and provides timely relief to farmers.
*Claims are subject to terms and conditions set forth under the insurance policy.
BAGIC Participation
- In the financial year 2016-17, BAGIC implemented RWBCIS in Andhra Pradesh, Chhattisgarh, Maharashtra and Telangana state.
- In the financial year 2017-18, BAGIC implemented RWBCIS in Chhattisgarh, Maharashtra, Telangana and Uttar Pradesh.
- In the current year we have implemented RWBCIS in Rajasthan, Uttar Pradesh and Chhattisgarh.
- Click here for the approved farmers list - Rabi 17-19 - Maharashtra.
- Click here for Rabi 2017 Claim per unit summary (MH)
- Click here for Rabi 2016 Claim per unit summary (MH)
Secure Your Crops with Weather-Based Insurance Today!
The Weather Based Crop Insurance Scheme (WBCIS) is a game-changer for Indian agriculture, offering a cost-effective and transparent solution to mitigate weather-induced crop losses. Its innovative approach not only empowers farmers but also ensures sustainability in farming practices. By leveraging weather data and technology, WBCIS addresses the unique challenges of Indian agriculture, providing timely support and financial security to farmers.
Bajaj Allianz General Insurance Company remains committed to promoting this revolutionary insurance model, ensuring better resilience and growth for India’s agricultural sector.
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FAQS
Who introduced weather-based crop insurance?
The Weather Based Crop Insurance Scheme (WBCIS) was launched by the Government of India to provide financial security to farmers against unpredictable weather. By using weather parameters as indicators, it ensures timely compensation for crop losses due to adverse conditions such as drought, excess rainfall, or heatwaves. This innovative scheme reduces dependence on traditional yield-based assessments, offering the farming community a faster and more transparent insurance process.
What are the types of crop insurance?
- Yield-Based Insurance: This covers financial losses due to reduced agricultural yields caused by factors like pests, diseases, or natural calamities. It focuses on crop productivity and compensates farmers when the actual yield falls below the insured threshold.
- Weather-Based Insurance: This provides protection against weather-related risks, such as drought, heavy rainfall, or temperature fluctuations. Claims are settled based on deviations from predefined weather parameters, ensuring quicker payouts and minimal administrative delays.
What is the sum Insured/Coverage Limit for an individual farmer?
The District Level Technical committee based on the Scale of the Finance or Average Yield of the respective crop over the past years and the Minimum Support Price of the crop determines the sum insured.
What would be the last date for enrolment in Crop Insurance for Kharif and Rabi Season?
It depends on the crop lifecycle and respective State Government’s notification.
What are the Premium Rates and Premium Subsidies for crop insurance?
The Actuarial Premium Rate (APR) would be charged under PMFBY by implementing agency (IA). The rate of Insurance Charges payable by the farmer will be as per the following table:
| Season | Crops | Maximum Insurance charges payable by farmer Premium Rates (% of Sum Insured) |
|---|---|---|
| Kharif | All food grain and Oilseed crops (Cereals, Millets, Pulses and Oilseeds) | 2.0% |
| Rabi | All food grain and Oilseed crops (Cereals, Millets, Pulses and Oilseeds) | 1.5% |
| Kharif and Rabi | Annual Commercial / Annual Horticultural crops | 5% |
What are the risks covered by the PMFBY scheme?
Risks Covered under PMFBY scheme:
Basic Cover: The basic cover under the scheme covers the risk of loss of yield to standing crop (sowing to harvesting).This comprehensive risk insurance is provided to cover yield losses on an area based approach basis due to non-preventable risks like drought, dry spells, flood, inundation, wide spread pest and disease attack, landslides, natural fire due to lightening, storm, hailstorm, and cyclone.
Add-On Coverage: Apart from the mandatory basic cover, the State Governments/UTs, in consultation with the State Level Coordination Committee on Crop Insurance (SLCCCI) may choose any or all of the following add-on covers based on the need of the specific crop/area in their State to cover the following stages of the crop and risks leading to crop loss:-
● Prevented Sowing/Planting/Germination Risk: Insured area is prevented from sowing/planting/germination due to deficit rainfall or adverse seasonal/climatic conditions.
● Mid-Season Adversity: Loss in case of adverse seasonal conditions during the crop season viz. floods, prolonged dry spells and severe drought etc., wherein expected yield during the season is likely to be less than 50% of the normal yield. This add-on coverage facilitates the provision for immediate relief to insured farmers in case of occurrence of such risks.
● Post-Harvest Losses: Coverage is available only up to a maximum period of two weeks from harvesting, for those crops which are required to be dried in cut and spread / small bundled condition depending on requirement of the crops in that area, in the field after harvesting against specific perils of hailstorm, cyclone, cyclonic rains and unseasonal rains.
● Localized Calamities: Loss/damage to notified insured crops resulting from occurrence of identified localized risks of hailstorm, landslide, inundation, cloudburst and natural fire due to lightening affecting isolated farms in the notified area.
How can non-loanee farmers enrol in the PMFBY scheme?
Non-loanee farmers can enrol in the PMFBY scheme by filling out the application form of the scheme and submitting it to any of the following before the due date:
● The nearest bank branch
● Common Service Centre (CSC’s)
● Authorized channel partner
● Insurance intermediary of the insurance company Alternatively, farmers can go individually to the National Crop Insurance Portal www.pmfby.com on before the due date and fill up the online application form.
What are the documents required for the non-loanee farmers to participate in the scheme?
Non-loanee farmers need to submit following documents for their participation in the scheme:-
1. Land Ownership Documents – (Records of Right (RoR), Land Possession Certificate (LPC) etc.
2. Aadhar Card
3. Bank passbook (It must have clear farmer’s name, Account number/IFSC code )
4. Crop Sowing Certificate (If mandatory in State Government’s notification) For tenant farmers Land Ownership proof /contract document or any other document defined by the concerned State Government.
Can loanee farmers make changes in the insured crops and until when?
Loanee farmers can make changes in the insured crops two days before the last date of enrolment fixed by the respective state government.
For making those changes, farmer can visit the concerned bank branch and provide the required information.
When should I report the crop loss?
Report any damage within 72 hours of the loss to ensure smooth assessment and faster claim processing.
How will I know if I have received the claim?
You can track it via the reference number given by your insurer or bank. They may also credit the sanctioned amount directly to your registered bank account.
What is the premium amount for Pradhan Mantri Fasal Bima Yojana, and how is it calculated?
PMFBY premiums are calculated as a percentage of the sum insured, which depends on the crop’s yield, area, and MSP. PMFBY premiums are 2% for Kharif, 1.5% for Rabi, and 5% for commercial crops, based on the sum insured.
What is the process for informing about incidents of crop loss due to localized calamities?
It is mandatory to inform about crop loss within 72 hours of the calamity through any of the following medium.
● Toll free number 1800-209-5959
● Farmitra- Caringly yours app
● Crop insurance app
● NCIP portal
● Nearest Insurance company office/branch
● Nearest Bank branch /Agriculture department (In written format)
Can farmers make changes in there bank account details in case of a mismatch?
Yes, Farmitra app provides this feature of account correction if there is account detail mismatch in the PMFBY policy.
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