Cattle and Crop Insurance in India
Protect your farm, your livestock, and your livelihood.
DigiSafe compares cattle and crop insurance from 20+ IRDAI-approved insurers, covering livestock loss, crop failure, drought, floods, and pest damage. Paperless, instant policies. Unbiased advice, always.
20+
Insurer partners
10 yr
Max policy term
100%
Paperless issuance
Why Choose DigiSafe for Cattle and Crop Insurance in India
Compare plans from 20+ insurers
We help you compare cattle and crop insurance plans from leading insurers, including Agriculture Insurance Company of India, HDFC ERGO, TATA AIG, Bajaj General Insurance, and 16+ others, side by side.
Unbiased advice tailored to your farm
As an IRDAI-licensed broker, DigiSafe recommends policies based on your crop type, livestock holding, location, flood or drought risk, and coverage needs, not insurer targets.
Complete support from quote to claim
From calculating the correct sum insured to policy issuance, renewals, and claim assistance, DigiSafe supports you throughout your entire insurance journey.
Designed for Every Kind of Farmer and Livestock Owner
Every agricultural household has different risks, coverage needs, and budgets. DigiSafe helps you compare the right insurance policy for your farming situation.
Smallholder and Marginal Farmers
Protection for crops against weather, pests, and yield losses.
Dairy Farmers and Milch Cattle Owners
Coverage for cattle loss due to disease, accidents, and disasters.
Poultry and Sheep or Goat Farmers
Protection for poultry and livestock against mortality and disease.
Large Agricultural & Commercial Farm Operators
Coverage for commercial farms, plantations, and high-value crops.
Rural SHGs and Farmer-Producer Organisations
Affordable group insurance solutions for SHGs and FPO members.
Aquaculture and Inland Fisheries Operators
Protection for fish and shrimp farms against disease and floods.
What Affects Your Cattle and Crop Insurance Premium?
Location and agro-climatic zone
Flood and drought risks increase premiums.
Crop type and variety
High-value crops attract higher premiums.
Livestock species and breed
Crossbred and exotic breeds cost more to insure.
Sum insured
Crop and livestock value affects insurance costs.
Add-ons chosen
Supplementary covers raise total premiums.
Policy term
Government-backed schemes have lower premiums.
Three Types of Cover: Choose What
Fits Your Situation
Every farm has different protection needs. DigiSafe helps you compare the right type of agricultural insurance coverage across 20+ leading insurers in India.
Crop insurance covers yield losses on standing crops caused by drought, floods, hailstorms, cyclones, pest and disease attacks, and post-harvest losses for notified crops in eligible areas.
Crop Insurance
Livestock insurance covers the death of cattle, buffaloes, sheep, goats, pigs, and poultry due to accident, disease, fire, flood, lightning, and other insured perils, based on the animal's market value.
Livestock and Cattle Insurance
Combined farm insurance protects both standing crops and livestock under a single policy, offering broader coverage for agricultural households that depend on multiple income streams simultaneously.
Combined Farm Insurance
What's Covered and What's Not: Inclusions and Exclusions at a Glance
The biggest mistake in agricultural insurance is assuming everything is covered. Here is exactly what a standard policy includes and excludes.
What Cattle and Crop Insurance Covers | What It Does Not Cover |
|---|---|
Drought, dry spells, and deficit rainfall | Intentional harm or neglect of livestock by the owner |
Floods, inundation, cyclones, and storms | War, nuclear, and radioactive risks |
Hailstorms and unseasonal rainfall | Pre-existing diseases not disclosed at policy inception |
Pest and disease attacks on standing crops | Natural mortality or old age of livestock |
Post-harvest losses under specified conditions | Animals in poor health or below the minimum age at policy start |
Death of cattle due to accident, disease, or surgical risk | Consequential or indirect economic losses |
Fire, lightning, and natural calamities affect livestock | Theft or straying of livestock |
Transit risk cover for livestock under some policies | Crops grown on unregistered or ineligible land parcels |
Localised calamities such as landslides for eligible crops | Loss of income from price fluctuations or market shifts |
How DigiSafe Helps You Buy Cattle and Crop Insurance
Our Process
Simple, paperless, and fully guided, from understanding your agricultural risks to receiving the right policy digitally.
Tell us about your location, land holding, crop type or animal species, and existing risk exposure so our advisors can understand your exact coverage requirements.
Share your farm and livestock details
01
We assess your crop's scale of finance or your livestock's market value accurately, helping you avoid underinsurance, overpaying premiums, or choosing insufficient coverage limits.
We calculate the right sum insured
02
Our advisors compare premiums, claim settlement records, coverage features, and scheme eligibility across 20+ insurers, completely unbiased and transparent.
We compare plans across insurers
03
Once you choose a plan, we handle policy issuance, renewal reminders, documentation, and claim coordination support whenever you need assistance.
You buy, we stay to support
04
Why Use DigiSafe Instead of Buying Agricultural Insurance Directly
The premium you pay is identical whether you buy direct or through DigiSafe. What you get, however, is very different.
What Matters to You | Through DigiSafe | Direct from Insurer | Bank's Tied Product |
|---|---|---|---|
Multi-insurer comparison | ✓ 20+ insurers | ✗ 1 insurer | ✗ 1–2 tied products |
Unbiased recommendation | ✓ We represent you | ✗ Insurer's own interest | ✗ Bank's tied interest |
Correct sum insured calculation | ✓ Included in advisory | ~ Self-calculated | ✗ Often incorrect |
Claim coordination support | ✓ Full guidance | ~ Self-managed | ✗ Minimal |
Extra cost to you | ✓ Zero | ✓ Zero | ✗ Often overpriced |
Coverage gap analysis | ✓ Included | ✗ Not offered | ✗ Not offered |
Renewal reminders and review | ✓ Proactive | ~ Auto-renew only | ~ Varies |
Six Things to Get Right When Buying Cattle and Crop Insurance in India
The right agricultural insurance policy is not just about the lowest premium. DigiSafe helps farmers avoid common mistakes that lead to underinsurance and rejected claims.
Insure at correct market value, not estimated value
Livestock should be insured at their actual current market value assessed at inception, not an approximate figure, to avoid proportional settlement shortfalls at claim time.
Do not underinsure your standing crop
Using a lower scale of finance or underestimating your crop area reduces your claim payout and leaves you with a significant out-of-pocket gap after a loss event.
Check scheme eligibility before buying
Government-subsidised schemes like PMFBY are available only for notified crops in notified areas. Understanding your eligibility helps you access the right product at the right price.
Check the insurer's claim settlement record
A reliable insurer with strong agricultural claim settlement performance and faster turnaround matters far more than simply choosing the cheapest premium available.
Add covers based on your specific risk profile
Flood-prone districts, high-value horticulture, post-harvest storage risks, and livestock in transit often require additional coverage beyond the standard agricultural policy features.
Disclose existing health conditions of livestock honestly
Undisclosed prior illness, injury, or disease in livestock is among the most common reasons cattle insurance claims are delayed or rejected at the time of assessment.
Any Questions
Frequently asked questions
What is Cattle and Crop Insurance in India
Cattle and crop insurance protects farmers, livestock owners, and agricultural businesses against financial losses caused by crop failure, drought, floods, pest attacks, disease outbreaks, and livestock death. Policies can cover standing crops, milch cattle, draught animals, poultry, and other agricultural assets against unexpected risks affecting farm income.
Despite India’s large agricultural economy, insurance penetration among rural households remains low, leaving many farmers financially vulnerable after natural disasters or poor harvest seasons. Whether you are a small farmer, dairy owner, agribusiness operator, or rural cooperative, the right insurance helps reduce income loss and supports faster recovery.
As an IRDAI-licensed broker, DigiSafe compares cattle and crop insurance plans from 20+ insurers, including PMFBY and private agricultural insurance products, helping farmers choose suitable coverage for their crops, livestock, and budget.