Explanation:

All the crops are covered under modified National agricultural insurance scheme (mNAIS).

The approved scheme has the following features:
(i) Actuarial premiums will be paid for insuring the crops, hence the claims liability would be on the insurer;
(ii) The unit area of insurance for major crops is village panchayat;
(iii) Indemnity amount shall be payable for prevented sowing/planting risk and for post harvest losses due to cyclone;
(iv) On account payment up to 25% of likely claims would be released as advance for providing immediate relief to farmers;
(v) Uniform seasonality discipline for loanee and non-loanee farmers;
(vi) More proficient basis for calculation of threshold yield and minimum indemnity level of 70% instead of 60%;
(vii) Modified NAIS with improved features will have two components i.e. compulsory and voluntary. Loanee farmers will be insured under ‘compulsory category’ while non-loanee farmers will be insured under ‘voluntary category’;
(viii) Private sector insurers with adequate infrastructure and experience would also be allowed in the implementation of MNAIS.