Agro-Climatic Zone 1 Western Himalayan Temperate Crop Cover
Tailored crop coverage for terrace cultivation, barley, off-season peas, and potato in cold arid and temperate hill zones.
Sum Insured / Cover
Himalayan Hill Agro-Ecosystem Cover
Annual Premium
1.5% - 2% (Subsidized Farmer Share)
Claim Settlement
94.8% (NCIP Official Record)
Network / Scope
All-India Empaneled
✦ Key Benefits & Policy Coverage
Tailored crop coverage for terrace cultivation, barley, off-season peas, and potato in cold arid and temperate hill zones.
What is Missing: Critical Policy Exclusions & Limitations
Eligo disclosure: Private insurance agents and official ads rarely mention these limitations. Verify before relying on this coverage.
Terrace erosion without crop loss not covered.
✦ Eligibility Requirements
Hill farmers in Jammu, Kashmir, Ladakh, and Himachal Pradesh.
✦ Application, Enrollment & Claims Process
1. Verify village notified unit status on pmfby.gov.in.
2. Submit proposal via Bank / PACS / CSC before seasonal cutoff.
3. Keep sowing certificate and land records verified.Official Portal
Official Government / PSU Portal
Apply or verify on the official administrative domain
✦ Documents Checklist
Aadhaar Card, Land Record RoR, Sowing Certificate, Bank Account Details.
✦ Life Situations Where This Scheme Helps
Underwriting Entity & Public Grievance Contact
Administering Body:
Government of India