National Livestock & Cattle Insurance Scheme
Death of crossbred cows and buffaloes due to accident, surgical disease, and epidemics. 50-70% premium subsidy.
Sum Insured / Cover
Pre-determined Weather Termsheet Payout
Annual Premium
5% of Sum Insured (State Subsidized)
Claim Settlement
95.0% (Automated Weather Trigger)
Network / Scope
All-India Empaneled
✦ Key Benefits & Policy Coverage
Death of crossbred cows and buffaloes due to accident, surgical disease, and epidemics. 50-70% premium subsidy. Automatic payout into farmer bank account within 30 days of weather station data verification without needing individual claim surveys.
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.
Payout strictly governed by Reference Weather Station (RWS) data. Micro-climatic variations outside the 10-15 km radius of the notified weather station cannot be considered for compensation.
✦ Eligibility Requirements
Growers of notified horticultural crops and plantation farmers in notified weather station catchment areas.
✦ Application, Enrollment & Claims Process
1. Verify Reference Weather Station (RWS) for your village on pmfby.gov.in.
2. Submit enrollment through Horticulture Office, CSC, or bank.
3. Digital claim processed automatically if automated weather station records parameter breach.Official Portal
Official Government / PSU Portal
Apply or verify on the official administrative domain
✦ Documents Checklist
Aadhaar Card, Land Ownership / Lease Certificate, Plantation Sowing Verification, Bank Account Details.
✦ Life Situations Where This Scheme Helps
Underwriting Entity & Public Grievance Contact
Administering Body:
Government of India