On a sweltering afternoon, an Indian farmer stares at his parched, cracked field. Months of effort have been undone due to an erratic monsoon. Elsewhere, relentless downpours trigger floods that wipe out crops before they can be harvested. Farmers today are aware of crop insurance against natural calamities and pestilence. But despite many such schemes like the Pradhan Mantri Fasal Bima Yojana, few are fully prepared to fall back on those policies when disasters strike.
In many cases, errors in claim filing and/or inadequate documents hinder…
