WBCISM
Weather Based Crop Insurance Scheme
5.7/10Farmers in Madhya Pradesh can benefit from the Weather Based Crop Insurance Scheme, which provides crucial financial protection against weather-related risks such as extreme temperatures, excessive or insufficient rainfall, and high winds. This scheme operates under the Pradhan Mantri Fasal Bima Yojana, ensuring that individual farmers receive necessary insurance coverage to mitigate losses from adverse weather conditions. Eligible farmers must be residents of Madhya Pradesh and can insure a variety of crops, including orange, banana, papaya, onion, chili, brinjal, tomato, potato, cauliflower, cabbage, peas, coriander, garlic, mango, pomegranate, and grapes. The premium for this insurance is set at 5% of the insured amount, with the remaining premium cost shared equally between the central and state governments. Compensation for losses is calculated based on weather deviations recorded at established weather stations, providing a reliable safety net for farmers facing unpredictable weather challenges.
States / UT: Madhya Pradesh
Nodal department: Horticulture and Food Processing Department
Scheme for: Individual
Scheme profile
DBT (direct benefit transfer): No
Categories: Agriculture,Rural & Environment
Sub-categories: Environmental grants
Target beneficiaries: Individual
Tags: Crop Insurance, Weather Risk, Farmer
Details
The scheme "Weather Based Crop Insurance Scheme" launched by the Horticulture and Food Processing Department, Government of Madhya Pradesh aims to protect farmers from weather-related losses through insurance coverage for selected crops cultivated during Kharif and Rabi seasons.
Benefits
- - Insurance Coverage for Crops: Provides protection to crops against losses caused by adverse weather conditions such as high or low temperatures, excess or deficient rainfall, and wind speed
- Insurance Coverage for Crops: Provides protection to crops against losses caused by adverse weather conditions such as high or low temperatures, excess or deficient rainfall, and wind speed.
Eligibility
- The applicant must be a farmer.
- The applicant must be a resident of Madhya Pradesh.
How useful is this scheme?
A practical look at this scheme for citizens
AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.
- Accessibility5.0
- Financial impact6.0
- Rural utility7.0
- Awareness4.0
- Simplicity5.0
- Inclusivity5.0
What problem does this scheme solve?
The Weather Based Crop Insurance Scheme provides essential financial protection to farmers in Madhya Pradesh against weather-related risks, supporting their livelihoods.
Key challenges addressed
- Protection against crop loss due to adverse weather conditions
Most beneficial for
- Farmers in Madhya Pradesh
Likely challenges
- Limited awareness among farmers
- Dependency on offline application process
Practical insights for citizens
Practical for farmers but requires better awareness and support
Rural challenges
- Limited access to information
- Dependence on local officials for application
Digital challenges
- Low digital literacy
- Limited internet access
Implementation bottlenecks
- Slow processing at district offices
- Potential delays in compensation disbursement
Awareness challenges
- Farmers may not be aware of the scheme's benefits
- Need for outreach programs
Application analysis
- Application mode
- Offline office
- Documents burden
- Minimal, no specific documents required
- Verification complexity
- Moderate
- Office dependency
- High, requires visiting district office
- CSC support
- Limited
- Estimated citizen effort
- Moderate effort required to apply
Estimated beneficiary reach
Benefit analysis
- Benefit type
- Cash
- Benefit frequency
- As per crop loss assessment
- Benefit practicality
- Practical, but dependent on accurate weather data
- Financial meaningfulness
- Moderate, as it covers only a portion of losses
- Long-term impact
- Positive, as it encourages farmers to insure their crops
Plain-language guidance
Farmers in Madhya Pradesh can apply for crop insurance to protect against losses from bad weather. The scheme helps ensure financial support when crops are affected by extreme weather.
- Who should apply
- Farmers residing in Madhya Pradesh who grow eligible crops.
- Who may struggle
- Semi-literate farmers and those unfamiliar with the application process.
- Best application route
- Apply via local district office of the Horticulture Department.
This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.
Application Process
Offline
- The applicant should contact the District Office of the Horticulture Department.
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- What is the objective of this scheme?
The scheme aims to protect farmers from losses caused by adverse weather conditions.
- Who implements the scheme in Madhya Pradesh?
The scheme is implemented by the Horticulture and Food Processing Department, Government of Madhya Pradesh.
- Which crops are covered under this scheme?
The scheme covers crops such as orange, banana, papaya, onion, chili, brinjal, tomato, potato, cauliflower, cabbage, peas, coriander, garlic, mango, pomegranate, and grapes.
- What type of risks are covered under the scheme?
The scheme covers risks due to high or low temperatures, excess or deficient rainfall, strong wind, and hailstorm.
- What is the premium amount to be paid by the farmer?
The farmer has to pay 5% of the insured amount as the premium.
- Who pays the remaining premium?
The remaining premium is shared equally by the central and state governments.
- Who is eligible to apply under this scheme?
Farmers of Madhya Pradesh are eligible to apply under this scheme.
- How is the compensation amount calculated?
The compensation is calculated based on weather deviations recorded at established weather stations.
Official links
References
- Guidelines
- https://cmhelpline.mp.gov.in/schemes.aspx?vID=0
Apply
Apply nowOpens the official application or programme portal in a new tab. If in doubt, confirm details on the ministry site.
Frequently asked questions
- What is the purpose of Weather Based Crop Insurance Scheme?
- Weather Based Crop Insurance Scheme is a government welfare initiative designed to support Individual, Individual through benefits related to Agriculture,Rural & Environment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
- Who can apply for Weather Based Crop Insurance Scheme?
- Eligibility for Weather Based Crop Insurance Scheme may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
- What benefits are offered under Weather Based Crop Insurance Scheme?
- Benefits under Weather Based Crop Insurance Scheme may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
- Which department manages Weather Based Crop Insurance Scheme?
- Weather Based Crop Insurance Scheme is managed by Horticulture and Food Processing Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
- Can users apply online for Weather Based Crop Insurance Scheme?
- Yes, eligible applicants may be able to apply online for Weather Based Crop Insurance Scheme through official government portals, authorised service centres, or digital application systems depending on the implementation process.
- Is Aadhaar mandatory for Weather Based Crop Insurance Scheme?
- Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
- Where can users apply for Weather Based Crop Insurance Scheme?
- Applications for Weather Based Crop Insurance Scheme may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
- What documents may be required for Weather Based Crop Insurance Scheme?
- Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
- Is income certificate required for Weather Based Crop Insurance Scheme?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Weather Based Crop Insurance Scheme.
- Is Weather Based Crop Insurance Scheme available in all states?
- No, Weather Based Crop Insurance Scheme is primarily available for eligible residents of Madhya Pradesh and may be implemented through state government departments and local administrative offices.
- Can residents outside Madhya Pradesh apply for Weather Based Crop Insurance Scheme?
- Eligibility for Weather Based Crop Insurance Scheme is generally limited to residents of Madhya Pradesh unless otherwise specified in the official scheme guidelines.
- Can small and marginal farmers apply for Weather Based Crop Insurance Scheme?
- Eligible small and marginal farmers may apply for Weather Based Crop Insurance Scheme subject to land ownership records, income eligibility, and agricultural beneficiary criteria.
- Does Weather Based Crop Insurance Scheme provide subsidy support for farmers?
- Weather Based Crop Insurance Scheme may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.
- Does Weather Based Crop Insurance Scheme provide healthcare or insurance support?
- Weather Based Crop Insurance Scheme may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
- Can beneficiaries use Weather Based Crop Insurance Scheme at government hospitals?
- Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
- Can CSC centres help users apply for Weather Based Crop Insurance Scheme?
- Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
- How can users check the latest updates for Weather Based Crop Insurance Scheme?
- Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
- Can beneficiaries track application status for Weather Based Crop Insurance Scheme?
- Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
- Where can users get help for Weather Based Crop Insurance Scheme in Madhya Pradesh?
- Users in Madhya Pradesh may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
- Which nearby public services may help with Weather Based Crop Insurance Scheme applications?
- Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.