Top Crop Insurance Plans
Compare the best crop insurance plans in India for 2026. Handpicked by our insurance experts.
PMFBY
⭐ FeaturedAgriculture Insurance Company of India
Farmer Premium
Kharif: 2%
Sum Insured
₹40K – ₹5L/acre
- ✓Government of India flagship crop insurance scheme
- ✓Covers all food & oilseed crops + annual commercial/horticulture crops
- ✓Protection against drought, flood, hailstorm, landslide, cyclone
- ✓Post-harvest losses covered (up to 14 days from harvesting)
Weather Based Crop Insurance Scheme (WBCIS)
⭐ FeaturedAgriculture Insurance Company of India
Farmer Premium
Same as PMFBY: Kharif 2%
Sum Insured
₹35K – ₹5L/acre
- ✓Payout based on weather index (rainfall, temperature, humidity, wind speed)
- ✓No need for individual crop loss assessment
- ✓Faster claim settlement (weather data triggers payout automatically)
- ✓Covers deficit/excess rainfall, unseasonal rain, high temperature, frost
Pradhan Mantri Fasal Bima
⭐ FeaturedICICI Lombard General Insurance Co. Ltd.
Parametric Crop Insurance (Private)
⭐ FeaturedTata AIG General Insurance Co. Ltd.
Farmer Premium
5-8% of sum insured (varies by crop & region)
Sum Insured
₹60K – ₹5L/acre
- ✓Parametric/index-based trigger mechanism
- ✓Payout triggered automatically on weather threshold breach
- ✓No individual loss assessment required
- ✓Covers excessive rainfall, drought, temperature extremes, hailstorm
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