Pilot Weather based Crop Insurance Scheme (WBCIS)


Weather Based Crop Insurance Scheme (WBCIS) aims to mitigate the hardship of the insured farmers against the likelihood of loss on account of anticipated crop loss resulting from incidence of adverse conditions of weather parameters like rainfall, temperature, frost, humidity etc.

The scheme was implemented in 2007.

The scheme provides coverage against weather deviation from the notified standards on the basis of weather data received from the notified Automatic Weather Stations (AWSs) and Automatic Rain-gauges (ARGs).

 Features of the scheme—

[a] Actuarial premium rates are charged with a provision of subsidy upto 50%, which is shared by the Central and State Governments on 50 : 50 basis;

[b] Entire liability of claims is on the implementing insurance companies;

[c] It is compulsory for loanee farmers and optional for non-loanee farmers;

[d] Add on coverage in respect of hailstorm and cloud burst on individual assessment basis.

[e] Private insurance companies have been involved to provide the benefits of competition.