Agricultural Insurance in 2025: Protecting Farmers from Climate Risks and Crop Loss

Agricultural Insurance in 2025: Protecting Farmers from Climate Risks and Crop Loss

In 2025, agriculture remains a critical pillar of India’s economy, but farmers face growing risks from climate change, erratic rainfall, pests, and market instability. To address this, the government and insurers are offering improved agricultural insurance through schemes like the Pradhan Mantri Fasal Bima Yojana (PMFBY) and the Restructured Weather-Based Crop Insurance Scheme (RWBCIS). These provide low-premium crop coverage, quick digital claim settlements using satellite and AI, and protection against weather-related losses. Additionally, livestock insurance covers cattle, poultry, and more against disease and accidental death. For small and marginal farmers, such insurance is crucial for income stability and financial resilience in an increasingly unpredictable environment.

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