In case of majority of insured crops of a notified area are prevented from sowing/planting due to adverse weather conditions such as deficit rainfall or adverse seasonal conditions, the insured crops that will be eligible for indemnity claims upto maximum of 25% of the suminsured and the policy will be terminated after that.

I. Coverage is applicable to farmers in case of widespread incidence of eligible risks affecting crops in more than 75% of area sown in a notified unit at early stage leading to total loss of crop or farmer is not in a position to either sow or transplant the crop ( or ) either sowing or germination of crop due to deficit or excess rainfall

II. Eligibility criteria:
Only those farmers who have paid the premium / the premium has been debited from their account before the damage. The State Government would provide Notified Insurance Unit and crop wise normal area sown at the beginning of the season within 15 days. “Prevented Sowing/Planting”pay-out only if more than75% of Crop Sown Area for notified crop remained unsown due to occurrence of any of the above perils.

III. Loss assessment procedure:

The cover will be available for major crops only .
The payout will be 25% of total sum insured and the policy will be terminated after that.This provision would be needed to be notified within 15 days of the cut-off date of enrolment by the State Govt., beyond which if invoked, no claim would be payable.
Note: The Insurance Company will disburse claims within 30 days of State Govt notification / order, The pay-out under this cover would be disbursed by the Insurance Company without waiting for the receipt of final Govt. share of premium subsidy, as per scheme guidelines.