ACTIVITIES 7

Nature of payout: Payout shall be given phase wise 

COVER 4: Unseasonal / Excess Rainfall

Cover Objective: To cover anticipated yield loss because of higher number of rainy days during the cover period (flowering) 

Rainy day: A day with a rainfall of 2.5 mm or more is counted as a rainy day. 

Cover Period: 16th March to 30th April 

Trigger (No. of rainy days) 10
Exit (100% payout ) 25

Age group of trees à 5-15 Year 15-40 Year Payout per mm (Rs.) 4.67 9.33 Sum Insured ( Rs.): 70 140

Nature of payout: Consolidated payout for the entire cover period 

 PRODUCT SUMMARY 

Age group of trees à 5-15 Year 15-40 Year Total Sum Insured (Rs.) per Tree: 350 700 Total Premium incl S.T.(Rs.) per Tree: 44.40 88.80 Central Govt. Premium incl S. Tax(Rs.): 11.10 22.20 State Govt. Premium incl S. Tax(Rs.): 11.10 22.20 Farmer Premium incl S. Tax(Rs.): 22.20 44.40

Annexure-II 

District Block Reference Weather

Station (RWS)

Reference

Unit area

(RUA)

Areas covered Backup

Weather

Station

KULLU ANI Ani (O/o SMS) Ani Annexure C-1 Dalash

HEC Dalash Dalash Annexure C-2 Ani

COVER 1: Chilling requirement 

Cover Objective: To cover anticipated yield loss if winter chilling requirements are not met.

Cover period 1st December to 31st March 

Hour’s Temperature Range (°C) 1.4 1.4

to

2.4

 2.4 to

9.1

 9.1 to

12.4

 12.4 to

15.9

 15.9 to

18

 >=18
Chill Units 0 0.5 1 0.5 0 -0.4 -0.75

 

Trigger (payout begins at): 900 chill units

Exit (100% payout): 700 chill units 

Age group of trees à 5-15 Year 15-40 Year
Payment per chill unit (Rs.): 0.35 0.70
Sum Insured (Rs.): 70 140

Nature of payout: Consolidated payout for the entire cover period 

COVER 2: Temperature fluctuations

Cover Objective: To cover anticipated yield loss due to temperature fluctuations

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