Kerala State Crop Insurance Scheme

Why it matters

Get compensated for crop loss from pest attacks on tapioca, or natural calamities affecting banana and second-crop paddy, where central insurance schemes don't fully cover you.

What you get

Kerala has run state-level crop insurance initiatives since the early 1990s (including the State Insurance Scheme of Kerala, 1995), evolving from the earlier central Comprehensive Crop Insurance Scheme (CCIS, 1985-1999) and National Agricultural Insurance Scheme (NAIS, from Rabi 1999). The current state crop insurance arrangement, administered through the AIMS portal, specifically covers crops and risks not fully addressed by central schemes — including pest-attack losses for tapioca, natural-calamity losses for banana crops across all districts, and losses to punja (second-crop) paddy specifically in Alappuzha, Pathanamthitta and Kottayam districts. This fills a critical gap for Kerala's distinctive cropping pattern, which centres on perennial and semi-perennial crops not always well-served by national crop insurance products designed for grain crops.

Eligibility criteria

• Farmer cultivating tapioca, banana, or punja (second-crop) paddy in the notified districts of Kerala
• Registration on the AIMS crop insurance portal before the notified cut-off for the season
• Loss must be due to a covered peril (pest attack for tapioca; natural calamity for banana; as notified for punja paddy)

How to apply

1. 1

   Register and apply via the AIMS Kerala portal (aims.kerala.gov.in/cropinsurance) before the season cut-off

2. 2

   Pay the nominal premium as notified for the crop/scheme

3. 3

   Report crop loss promptly to the local Krishi Bhavan for assessment and claim processing

Documents required

• Aadhaar card
• Land records
• Bank passbook
• Crop cultivation/sowing proof