Subsidized Solar Agriculture Pump (PM-KUSUM) Calamity Protection
Comprehensive protection for off-grid and grid-connected solar agricultural pumps against cyclone, hail damage, theft, and lightning.
Sum Insured / Cover
100% Replacement of Damaged Solar Panels
Annual Premium
1.5% - 2% (Subsidized Farmer Share)
Claim Settlement
94.8% (NCIP Official Record)
Network / Scope
All-India Empaneled
✦ Key Benefits & Policy Coverage
Comprehensive protection for off-grid and grid-connected solar agricultural pumps against cyclone, hail damage, theft, and lightning.
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.
Wear and tear or inverter failure post-warranty excluded.
✦ Eligibility Requirements
Farmers with operational solar pumps under PM-KUSUM Component B & C.
✦ 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
🌾🏠
Farmer Relief & Crop Support
Income support, comprehensive crop insurance, subsidized fertilizers, seeds, and disaster relief for agricultural producers.
Building or Buying a Home
Subsidies for pucca house construction in rural and urban areas, rooftop solar power subsidies, and affordable housing credits.
Underwriting Entity & Public Grievance Contact
Administering Body:
Government of India