7 covers. 1 policy. 1 premium. Personal accident, children's education, hospitalisation, agricultural pump set, farm equipment, livestock, and farmhouse — all bundled in one the insurer rural insurance policy. The only product in the the insurer rural series that replaces 7 separate policies with one.
Rural Insurance· The Series Climax
The the insurer Farmers' Package Policy is an omnibus / multi-section insurance policy that bundles seven distinct covers under a single policy and single premium. It is the most comprehensive rural insurance product in India — and the final product in the the insurer rural insurance series. Probitas Insurance Brokers Pvt. Ltd. (IRDAI Lic. No. 528) is your licensed broker.
The 7 Sections — Deep Dive
Each of the seven sections operates independently — with its own coverage, sum insured, exclusions, and claim timeline. You can select any combination of sections; all go through ONE policy and ONE claim contact.
The Farmers' Package Policy does NOT include crop insurance. PMFBY is a separate government-subsidised crop insurance scheme. This package covers everything on the farm EXCEPT the standing crop:
PMFBY + Farmers' Package Policy = complete farm protection.
Section VI provides the identical coverage as the standalone Cattle Insurance, Pig Insurance, Sheep/Goat Insurance, and Poultry Insurance products in this series. Same ear tag identification, same vet certification, same disease/accident/calamity coverage — but now bundled with 6 other sections under one policy and one premium.
Who Can Apply
Any farmer engaged in agricultural activity — owning or leasing agricultural land — can apply. You can choose any combination of sections; you don't need to take all 7. The more sections, the greater the package discount.
1–2 hectares; crop + 2–3 livestock + pump set + pucca farmhouse; best suited for Standard or Full Package
Under 1 hectare; backyard livestock + hand pump; Basic Package (3 sections) is ideal starting point
Kisan Credit Card holder through NABARD / bank; package linked to KCC for premium financing; bank-facilitated enrollment
Women's SHG or Farmer Producer Organisation; group enrollment; collective package at discounted premium
You are not required to take all 7 sections. Choose the sections relevant to your farm situation. However, the package offers increasingly attractive discounts as more sections are added — the Full 7-Section Package typically costs 20–40% less than buying 7 individual policies.
The Farmers' Package Policy is linked to the Kisan Credit Card (KCC) scheme — farmers with KCC accounts through NABARD-partnered banks can access the package through bank-linked insurance at subsidised rates. NABARD provides refinance support for rural banks offering this package. PM-KISAN beneficiaries can also access the package.
How to File a Claim
The claim process depends on which section the claim falls under. All claims go through ONE contact point — Probitas 022 4302 0000 — regardless of which section. Critical timelines differ by section type.
All claims under all sections of the Farmers' Package Policy go through Probitas Insurance Brokers — 022 4302 0000. You do not need different contacts for livestock claims vs. pump set claims vs. farmhouse claims. One number handles everything — livestock death (24 hrs), farmhouse fire (24 hrs), hospitalisation discharge (30 days), mechanical pump failure (72 hrs).
Livestock death (Section VI)· Fire damage to pump / farmhouse (Sections IV, V, VII)· Flood damage to pump / farmhouse / equipment· Any calamity-related loss
Mechanical breakdown of pump set (Section IV)· Mechanical / electrical damage to farm equipment (Section V)
Personal accident (Sections I & II)· Accidental death· Hospitalisation discharge (Section III — submit bills within 30 days of discharge)
The Power of the Package
A farmer whose buffalo dies in February (Section VI), is hospitalised in June (Section III), and whose diesel pump is flood-damaged in August (Section IV) CAN CLAIM ALL THREE in the same policy year — under three separate sections of the same policy, through one call to Probitas (022 4302 0000). This is the defining advantage of the package over standalone products.
| Scenario | Event 1 | Event 2 | Event 3 | Total Claim |
|---|---|---|---|---|
| Scenario 1 — Ramkishor Yadav 48 yrs, Hardoi, UP 2.5 acres· 1 buffalo· 1 diesel pump· pucca house |
Feb: Buffalo dies — FMD Section VI (Livestock) SI ₹40,000 → ₹39,500 |
Jun: Road accident — hospitalised 12 days Section III (Hospitalisation) Room ₹12,000 + Surgery ₹18,000 → ₹30,000 |
Aug: Flood — pump submerged Section IV (Pump Set) SI ₹60,000 → ₹55,000 |
₹1,24,500 Annual premium: est. ₹5,000–₹8,000 Without package: 3 separate policies, 3 claims |
| Scenario 2 — Lakshmi Bai 38 yrs, Vidarbha, MH Cotton farmer· 1 cow· electric pump· kutcha house |
Road accident — Lakshmi Bai dies on highway Section I: Death benefit → ₹1,00,000 (lump sum to nominee) |
Section II: 2 children (12 & 9 yrs) ₹5,000 × 2 children × 4 years → ₹40,000 (over 4 years) |
₹1,40,000 ₹1L lump sum + ₹40K education benefit ensures family continuity |
|
| Scenario 3 — Suresh Mahto 55 yrs, Giridih, JH Tribal farmer· mud-thatch kutcha house |
Electrical fire — farmhouse partially destroyed; stored grain (50 kg rice + 30 kg wheat) also lost Section VII (Farmhouse): Building damage ₹80,000 + Contents (furniture, utensils) ₹15,000 + Stored grain ₹8,000 |
₹1,03,000 Single section claim — package SI covers building + contents + stored produce |
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* Illustrative only. Actual claims subject to policy wordings, surveyor assessment, and applicable excess. Premium estimates vary by farm profile, SI chosen per section, and package combination. Livestock section requires ear tag identification. Pump/equipment section requires surveyor inspection before repairs.
Section Coverage Summary
| Section | Cover Type | Typical SI / Benefit | Key Exclusion | Claim Timeline |
|---|---|---|---|---|
| I — Personal Accident 👤 Farmer + Spouse | Accidental Death, PTD | ₹1,00,000 lump sum | Natural death, alcohol/drugs, suicide | 30 days |
| II — Children's Education 🎓 Dependent Children | Education continuation benefit | ₹5,000/child/yr × 2 × 4 yrs = ₹40,000 max | Natural death of farmer; children above 18 | 30 days |
| III — Hospitalisation 🏥 Farmer + Family | Medical / hospitalisation expenses | ₹25,000–₹50,000 per illness; Room ₹1,000/day; ICU ₹2,000/day; Surgery ₹30,000 | Pre-existing (waiting period); cosmetic; dental (routine) | 30 days post discharge |
| IV — Agricultural Pump Set 💧 Electric / Diesel | Fire, flood, mechanical/electrical breakdown | Electric: ₹10,000–₹1,50,000 Diesel: ₹20,000–₹2,00,000 | Wear & tear; consequential crop loss | 24 hrs (fire/flood) 72 hrs (mechanical) |
| V — Farm Equipment 🚜 Implements / Tools | Fire, flood, cyclone, accidental damage, theft | Market value: ₹10,000–₹5,00,000 | Tractors (if motor insured); wilful neglect | 24 hrs |
| VI — Livestock 🐄 All farm animals | Mortality from disease, accident, calamity | Per animal: Cattle ₹10K–₹80K; Sheep/Goat ₹1.5K–₹10K; Pig ₹3K–₹60K | Slaughter; theft without death; consequential loss | 24 hrs of death |
| VII — Farmhouse 🏡 Building + Contents + Grain | Fire, flood, cyclone, earthquake, landslide | Kutcha: ₹1L–₹5L; Pucca: ₹5L–₹50L; Contents: ₹50K–₹5L; Stored grain: ₹25K–₹5L | War; wilful arson; consequential income loss | 24 hrs |
Common Questions
Get Quote — Customise Your Package
Select the sections relevant to your farm. Additional fields appear automatically based on your selection. Our specialist will contact you within one working day with a customised section combination and premium.
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