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The Pradhan Mantri Fasal Bima Yojana (PMFBY) crop insurance product offered by ICICI Lombard General Insurance Company Ltd. is one of the key agricultural insurance products available on the company’s website and through its rural insurance offerings. PMFBY is a government‑sponsored crop insurance scheme that ICICI Lombard participates in as an implementing insurer, extending coverage and risk protection to farmers across India. It is designed to protect farmers from production losses due to natural calamities and weather‑related risks that affect crop yield. ([ICICI Lombard][1]) PMFBY aims to provide financial support to farmers who suffer crop loss or damage arising from unforeseen events such as drought, floods, pests, diseases, and other natural perils during the crop season. The overarching goal of the product is to stabilise farmers’ incomes, encourage the adoption of modern agricultural practices, and ensure the continued flow of credit to the agricultural sector. This is achieved through a combination of subsidised premiums and risk coverage under a structured insurance policy. ([ICICI Lombard][1]) A defining feature of PMFBY is its structured approach to covering risks at different stages of the crop cycle. Coverage begins with prevented sowing or planting risk, which covers the insured area if adverse seasonal conditions, such as deficit rainfall, prevent farmers from sowing or planting crops. _________ _______ __________ _______ __________.
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