Summary
Farmers pay a maximum premium of two percent for most food crops, while the government subsidises the remaining cost, sharing it equally with state governments.
The scheme covers both loan‑holding and non‑loan‑holding farmers, including tenant farmers and sharecroppers, and has insured over 92 crore applications to date.
Digital platforms such as the National Crop Insurance Portal, DigiClaim and satellite‑based yield estimation tools have streamlined enrollment, assessment and claim settlement.
Complementary weather‑based insurance uses data from automatic weather stations to trigger payouts when rainfall or temperature thresholds are breached.