5. Coverage of Risks
A. Natural fire and lightning
B. Storm, hailstorm, cyclone, typhoon, tornado
C. Flood, inundation and landslide
D. Drought and dry spells
E. Pests and diseases
F. Post-harvest losses within 14 days due to cyclonic rain or hailstorms
6. Latest Updates - Kharif 2026
A. Wild Animal Attack Coverage: Crop loss due to wild animal attacks now included as fifth add-on cover. States will notify list of wild animals such as elephants, wild boars, nilgai, deer and monkeys based on historical data.
B. Paddy Inundation Restored: Paddy inundation reinstated as localized calamity cover after being removed in 2018. Covers flood-prone and coastal states.
C. Mandatory Reporting: Farmers must report crop losses within 72 hours using the Crop Insurance App with geo-tagged photos of damaged fields.
7. Technology Integration
A. National Crop Insurance Portal (NCIP) for scheme administration
B. Crop Insurance App for loss reporting
C. Geo-tagged photos required for damage claims
D. Digital land records integration
8. How to Apply
A. Visit nearest bank branch or Common Service Centre (CSC)
B. Apply online at pmfby.gov.in
C. Use the Crop Insurance App
D. Contact agriculture department of your state
9. MCQ Practice
1. PMFBY was launched in which year?
A. 2014
B. 2015
C. 2016
D. 2017
Answer: C
Explanation: PMFBY was launched in 2016 replacing NAIS and MNAIS schemes.
2. Premium rate for Kharif crops under PMFBY is:
A. 1%
B. 1.5%
C. 2%
D. 5%
Answer: C
Explanation: Premium rate for Kharif crops is fixed at 2% of the insured sum.
3. Which new coverage was added under PMFBY from Kharif 2026?
A. Earthquake damage
B. Wild animal attacks
C. Theft of crops
D. Fire damage
Answer: B
Explanation: Crop loss due to wild animal attacks has been included as the fifth add-on cover from Kharif 2026.
4. Farmers must report crop loss within how many hours under PMFBY?
A. 24 hours
B. 48 hours
C. 72 hours
D. 96 hours
Answer: C
Explanation: Mandatory reporting within 72 hours using the Crop Insurance App with geo-tagged photos.
5. PMFBY replaced which schemes?
A. NAIS and MNAIS
B. RKBY and NAIS
C. PMRY and MNAIS
D. None of the above
Answer: A
Explanation: PMFBY replaced the National Agricultural Insurance Scheme (NAIS) and Modified National Agricultural Insurance Scheme (MNAIS).
Disclaimer: This article is for educational purposes only. Always refer to the official PMFBY website at pmfby.gov.in for the most current information.