North India Statesman
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News India Live, Digital Desk: Hard work is in our hands in farming, but the fear of nature’s attack and stray animals always remains. The heart feels happy after seeing the crops flourishing in the field, but if a wild pig, elephant, nilgai or monkey destroys it in a single night, then it makes one feel heartbroken.
If you are also struggling with this pain, then the Central Government has just (in November 2025) made such a Good News Have given, after listening to which you will get great relief. Some historic changes have been made in ‘Pradhan Mantri Fasal Bima Yojana’ (PMFBY) which are directly related to the safety of your pocket and fields.
1. Wild animal attacks now covered in insurance! (Wild Animal Attack Cover)
This is the biggest update and perhaps also the biggest victory for the farmers. Till now the rule was that if the crop was damaged due to rain or drought then money was given, but if nilgai, elephant or wild boar If crops were trampled, the insurance company would give up.
The government has now changed the rules. According to the latest update, “Wild Animal Attacks” has also now been added as an ‘Add-on Cover’ in the ‘Localised Risk’ category.
What does it mean: If you do farming on the edge of the forest and the animals destroy the field, the government and the insurance company will compensate for it.
Note: Every state government will make a list of its animals (like Nilgai in UP-Bihar and elephant in South India) and the rules will be implemented accordingly.
2. Claim for paddy crop submerged in water (Inundation Cover Restored)
Many of our farmer brothers, especially those in coastal areas (like Odisha, Bengal, Andhra), were worried about the possibility of floods or damage to their fields. Water logging/Inundation Paddy used to rot, but in 2018 it was removed from the insurance list.
The government corrected its mistake and added backNow, if heavy rains flood the field and the standing crop (especially paddy) gets damaged, then this will also be considered eligible for compensation,
Terms and Conditions: The game is for 72 hours!
The government has provided facilities, but you will also have to show some agility. The process of taking claims has now become completely digital:
If crops are damaged (whether caused by animals or waterlogging), you will be informed about the incident. within 72 hours Information about this will have to be given.
this information to you ‘Crop Insurance App’ Will have to be given through.
Most important: To you ‘Geo-tagged’ photo (Geo-tagged photo) will have to be uploaded on the app. This means that your location and date should be clearly visible in the photo so that no one can question your authenticity.
When will these changes come into effect?
Have some patience. The government has made the announcement now (November 2025), but these new rules (wild animals and water-logging) are completely Kharif 2026 Going to be implemented from the season. This means that you can be worried about the upcoming rainy season.
No change in premium
The good thing is that despite getting such huge facilities, the burden on your pocket has not increased. Premium rates for farmers remain the same old:
Kharif crops (paddy, maize etc.): 2%
Rabi crops (wheat, mustard etc.): 1.5%
Horticulture/Commercial Crops: 5%
So farmer friends, this was the new story of the crop insurance scheme. Now there is less ‘risk’ and more ‘safety’ in farming. Just learn to use the mobile app and get your crop insured with these new conditions from 2026.
