Paddy - Prolonged dry spell during transplanting and vegetative growth phases, excessive rainfall during maturity and harvesting phases in Punjab. Cumin - High relative humidity fora continuous period of time during the vegetative growth phase. Coriander- covering frost like temperature conditions during sowing and vegetative phases, unseasonal rainfall during the crop maturity phase. Fenugreek-covering excessively high temperature during days with high relative humidity during the crop growth. Kinnu - covering excessively high temperature during the initial growth cycle, deficit rainfall during the flowering stage, high temperature during the maturity phase. Oranges - for deficit rainfall , prolonged dry spell during flowering, in Rajasthan. Wheat – for high temperature during the heading and flowering stages, unseasonal rainfall during the harvesting phase in Punjab, and Haryana.
Cotton - for deficit rainfall during the seed germination phase in Maharashtra.
Premium- in the absence of any support, premium rates have varied from 8% to depending on the crop and weather parameters covered. Claims experience has also varied depending on the degree of loss and deviation of weather parameters, with claims ratio going as high as 1800%, for some crops.
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