Indore: HDFC ERGO General Insurance Company, one of India’s leading private sector general insurance companies, has been authorized by the Government of Madhya Pradesh to implement the Pradhan Mantri Fasal Bima Yojana (PMFBY) for the Rabi Season 2026. The scheme will cover both loanee and non-loanee farmers in the districts of Alirajpur, Barwani, Burhanpur, Dhar, Jhabua, Khandwa (East Nimar), and Khargone.
Under the scheme, insurance coverage will be provided for the crops notified by the State Government in these districts. Farmers will be required to pay only the prescribed share of the premium, while the remaining premium will be subsidized under the PMFBY. The last date for premium deduction from farmers’ bank accounts and enrollment under the scheme is July 31, 2026.
The Pradhan Mantri Fasal Bima Yojana provides financial protection against crop losses caused by drought, floods, natural calamities, landslides, cyclones, storms, heavy rainfall, inundation, pests, diseases, and other external risks.
To assess crop losses, the State Government will conduct Crop Cutting Experiments (CCEs) in the notified areas. If the recorded yield is lower than the threshold yield, the affected farmers will be eligible to receive insurance claims under the provisions of the scheme.
The insurance coverage extends to all stages of the crop cycle, including pre-sowing, standing crop, harvesting, and post-harvest risks, ensuring comprehensive protection for farmers.
Eligible Districts
Farmers from the following districts can avail themselves of the scheme:
- Alirajpur
- Barwani
- Burhanpur
- Dhar
- Jhabua
- Khandwa (East Nimar)
- Khargone
Farmers can enroll through their banks, Common Service Centres (CSCs), or authorized HDFC ERGO representatives.
They can also complete self-enrollment through the PMFBY Farmer App or by visiting the official PMFBY portal at https://pmfby.gov.in/farmerLogin.
The Agriculture Department has urged all eligible farmers to complete their enrollment and insure their notified crops before July 31, 2026, to safeguard themselves against financial losses arising from unforeseen natural disasters.
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