PMFBY Crop Insurance Implementation — Sikkim Organic Crop Scheme
State-specific PMFBY cluster implementation for major crops in Sikkim Organic Crop Scheme.
Sum Insured / Cover
Scale of Finance for Large Cardamom
Annual Premium
5% Horticultural / 2% Foodgrains
Claim Settlement
94.5% (NCIP State Portal)
Network / Scope
All-India Empaneled
✦ Key Benefits & Policy Coverage
Yield guarantee and weather insurance for notified crops (Large Cardamom, Buckwheat, Maize, Ginger) in Sikkim Organic Crop Scheme. Full coverage for drought, flood, hailstorm, pest attacks, and post-harvest cyclonic damage.
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.
Crops grown in non-notified taluks/blocks are excluded. Sharecroppers require self-declaration counter-signed by Village Revenue Officer. Failure to file 72-hr notice for hailstorms invalidates claim.
✦ Eligibility Requirements
All landowning, sharecropping, and tenant farmers cultivating notified crops in Sikkim Organic Crop Scheme.
✦ Application, Enrollment & Claims Process
1. Apply online via pmfby.gov.in or through PACS/CSC in Sikkim Organic Crop Scheme.
2. Link Aadhaar, Khasra/Khatauni, and Bank IFSC.
3. Pay subsidized farmer premium or verify zero-premium entry.Official Portal
Official Government / PSU Portal
Apply or verify on the official administrative domain
✦ Documents Checklist
Aadhaar Card, Land Record (Sikkim Organic Crop Scheme Land Record Portal), Bank Passbook, Sowing Declaration.
✦ Life Situations Where This Scheme Helps
Underwriting Entity & Public Grievance Contact
Administering Body:
Government of India