{"uin":"IRDAN106P0001V01201011","name":"Fasal Bima Yojna","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011","insurer":{"slug":"iffco-tokio-general-insurance","name":"IFFCO TOKIO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/iffco-tokio-general-insurance"},"line":"general","category":"rural","category_name":"Crop, cattle and rural","irdai_type":null,"kind":"product","status":"active","approved_on":"2011-01-13","withdrawn_on":null,"summary":"Fasal Bima Yojna is a crop insurance policy for crops cultivated in the insured area, with standing crop, prevented sowing or planting and post-harvest cyclone covers. Claims require immediate notice and written notice within 24 hours, and an admissible claim is offered for settlement or rejected within 30 days of receipt of all relevant documents and any required investigation or assessment report.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:43:35.897632+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["FASAL BIMA(MICRO) YOJNA","FASAL BIMA YOJNA"],"display":"FASAL BIMA(MICRO) YOJNA; FASAL BIMA YOJNA","note":"The two policy wordings under the same UIN are for the micro and non-micro versions.","quote":"FASAL BIMA(MICRO) YOJNA\n(INSURANCE POLICY) ... FASAL BIMA YOJNA\n(INSURANCE POLICY)","sources":[{"clause":null,"heading":"FASAL BIMA(MICRO) YOJNA","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8841#c-fasal-bima-micro-yojna"},{"clause":null,"heading":"FASAL BIMA YOJNA","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-fasal-bima-yojna"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines the Policy Period by the Policy Schedule rather than printing a fixed term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Give immediate notice of the occurrence of loss and written notice within 24 hours after the occurrence of the loss in the prescribed format.","display":"Immediate notice, and written notice within 24 hours after the loss","note":"A later Duties after a loss condition also says written notice within 48 hours after the occurrence.","quote":"A) Give the Company immediate notice of the occurrence of the loss. B) Give the Company written notice within 24 hours after the occurrence of the loss in the prescribed format. ... 21.1.Give the Company written notice within 48 hours after the occurrence.","sources":[{"clause":null,"heading":"UIN: IRDAN106P0001V01201011","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-uin-irdan106p0001v01201011-7"},{"clause":"21","heading":"Duties after a loss","page":15,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-21-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form","Land records as per Government norms","Certificate from certifying agency nominated by Government or authorized by the Company","Copy of Certificate of Insurance","Other than Government subsidized scheme, two photographs of damaged or loss incurred area of Crop which shows the loss under the Policy","Sowing Certificate or other relevant document to this effect"],"display":"Claim form, land records, certifying-agency certificate, Certificate of Insurance copy, two photographs where applicable, and sowing certificate or relevant document","note":null,"quote":"Claim Documents:\nThe Insured shall be required to furnish the following for or in support of a claim under the Policy:\n-- Duly completed claim form;\n-- Land records as per Government norms;\n-- Certificate from certifying agency nominated by Government or authorized by the Company.\n-- Copy of Certificate of Insurance.\n-- Other than Government subsidized scheme, two photographs of damaged or loss incurred area of Crop which shows the loss under the Policy.\n-- Sowing Certificate or other relevant document to this effect.","sources":[{"clause":null,"heading":"UIN: IRDAN106P0001V01201011","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-uin-irdan106p0001v01201011-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"If the claim is found admissible, the insurer will make an offer of settlement or convey rejection within 30 days of receipt of all relevant documents and Investigation/ Assessment Report, if required.","display":"Within 30 days of receipt of all relevant documents and Investigation/ Assessment Report, if required","note":null,"quote":"In the event of a claim, if the same is found admissible under the Policy, we shall make an offer of settlement or convey the rejection of the claim within 30 days of receipt of all relevant documents and Investigation/ Assessment Report (if required).","sources":[{"clause":"26","heading":"Protection of Policy Holder’s Interest","page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-26-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["The burning of the Crop by order of any public authority or subterranean fire","Consequential loss whether or not caused by a peril covered under the Policy","Malicious, wilful act or gross negligence of the Insured or any of his representative(s) or employee(s)","Fire during harvest due to spark originating from engine exhaust and/or other hot machinery parts on harvesters and/or tractors","Instances where recognized good farming and harvesting practices have not been followed","Controllable diseases, weeds and/or controllable insect infestations","Theft / clandestine sale of the Crop","Intentional destruction of the Crop","Poor Crop stand due to defective seed or sampling","Action of birds and animals","Any peril not specifically covered under the Policy","any act of Terrorism","Any damage to harvested Crops and crop in transit","losses caused by earthquake, mudflow, earth sinking, earth rising and /or volcanic activity","losses due to breakdown of irrigation equipment or part thereof"],"display":"Crop burning by public authority or subterranean fire; consequential loss; wilful or grossly negligent acts; harvest machinery fire; poor farming practices; controllable diseases, weeds or insects; theft; intentional destruction; defective seed or sampling; birds and animals; unspecified perils; terrorism; harvested crops and transit; earthquake or similar earth movement; irrigation equipment breakdown","note":null,"quote":"EXCLUSIONS:\nWe will not be liable to make any payment under this Policy in connection with or in respect of any expenses whatsoever incurred arising out of damage or loss to Crop resulting from:\ni) The burning of the Crop by order of any public authority or subterranean fire.\nii) Consequential loss whether or not caused by a peril covered under the Policy.\niii) Malicious, wilful act or gross negligence of the Insured or any of his representative(s) or employee(s).\niv) Fire during harvest due to spark originating from engine exhaust and/or other hot machinery parts on harvesters and/or tractors.\nv) Instances where recognized good farming and harvesting practices have not been followed.\nvi) Controllable diseases, weeds and/or controllable insect infestations.\nvii) Theft / clandestine sale of the Crop.\nviii) Intentional destruction of the Crop.\nix) Poor Crop stand due to defective seed or sampling.\nx) Action of birds and animals.\nxi) Loss occurring prior to the Policy Period. ... xii) Loss or damage due to or contributed to by the Insured having caused or suffered anything whereby the risks hereby insured against were unnecessarily increased;\nxiii) Any peril not specifically covered under the Policy.\nxiv) Loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.\nxv) Any damage to harvested Crops and crop in transit.\nxvi) Any Crop which has been harvested prior to inspection by our loss assessor or without the consent of the Company upon happening of a claim.\nxvii) Loss as a consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, military or usurped power, confiscation, nationalisation, civil commotion, loot or pillage in connection therewith.\nxviii) Any loss to property, consequential loss, legal liability or bodily injury, illness, disease directly or indirectly caused by or contributed to or arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or the radioactive, toxic, explosive or hazardous properties of any nuclear assembly or nuclear component.\nxix) Any expenses whatsoever incurred by an Insured Person in connection with or in respect of any loss, howsoever caused, even if such loss results in diminished agricultural output/yield.\nxx) This insurance does not cover losses caused by earthquake, mudflow, earth sinking, earth rising and /or volcanic activity.\nxxi) This policy does not cover losses due to breakdown of irrigation equipment or part thereof.","sources":[{"clause":"C(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-c-c"},{"clause":null,"heading":"UIN: IRDAN106P0001V01201011","page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-uin-irdan106p0001v01201011-10"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Company at the specified address during normal business hours. If no reply is received within one month or the insured is not satisfied with the reply, the insured may approach the Insurance Ombudsman relevant to their state.","display":"Contact the Company first; if no reply within one month or dissatisfied, approach the Insurance Ombudsman","note":null,"quote":"In case the Insured is aggrieved in any way, the Insured may contact the Company at the specified address, during normal business hours. If the situation so arises that, no reply is received from the Company within one month or the insured is not satisfied with the reply of the company, Insured may, subject to vested jurisdiction, approach Insurance Ombudsman relevant to their states for the redressal of his/her grievance.","sources":[{"clause":"28","heading":"Grievance Redressal","page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-28-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["loss resulting from natural fire and lightning, storm, hailstorm, cyclone, typhoon, tempest, hurricane, tornado, flood, inundation, landslide, drought/dry spell, pests and disease of the Crop","prevented from sowing / planting due to deficit rainfall or adverse seasonal conditions","damage to harvested crop lying in the field in ‘cut & spread’ condition due to cyclone in coastal areas","identified localized risks viz., hailstorm and landslide","Actual Yield (AY) per hectare of the insured crop for the defined area falls short of the specified Threshold Yield"],"display":"Standing crop perils, prevented sowing or planting, post-harvest cyclone losses for cut-and-spread crop, localised hailstorm and landslide, and widespread yield shortfall","note":"Standing crop and post-harvest cover apply only as stated in the Schedule and within the Insured Area and Policy Period.","quote":"We hereby agree, subject to the terms, conditions and exclusions herein contained, or otherwise expressed herein, to compensate You, in the manner specified in the Schedule, against any loss resulting from natural fire and lightning, storm, hailstorm, cyclone, typhoon, tempest, hurricane, tornado, flood, inundation, landslide, drought/dry spell, pests and disease of the Crop if such deviation is as stated in coverage and within the Insured Area and Policy Period, subject to maximum of the Sum Insured stated in the Schedule of this Policy. ... In case farmer of an area is prevented from sowing / planting due to deficit rainfall or adverse seasonal conditions, such insured farmer who failed to sow / plant (but otherwise has every intention to sow / plant and incurred expenditure for the purpose), shall be eligible for indemnity. ... Coverage is available only for those crops(as specified in the schedule), which are allowed to dry in the field after harvesting against specified perils of cyclone in coastal areas, resulting in damage to harvested crop lying in the field in ‘cut & spread’ condition. ... The losses would be assessed on individual basis in case of loss / damage resulting from occurrence of identified localized risks viz., hailstorm and landslide. ... If the ‘Actual Yield’ (AY) per hectare of the insured crop for the defined area [on the basis of requisite number of Crop Cutting Experiments (CCEs)] in the insured season, falls short of the specified ‘Threshold Yield’ (TY), all the insured farmers growing that crop in the defined area are deemed to have suffered shortfall in their yield.","sources":[{"clause":null,"heading":"A. STANDING CROP (Sowing to Harvesting)","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-a-standing-crop-sowing-to-harvesting"},{"clause":"B","heading":"PREVENTED SOWING / PLANTING RISK","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-b"},{"clause":"C","heading":"POST HARVEST LOSSES","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-c"},{"clause":null,"heading":"UIN: IRDAN106P0001V01201011","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-uin-irdan106p0001v01201011-7"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"No deductible or excess amount for each claim is printed in the supplied wording or prospectus.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"If you cancel, the insurer refunds premium after retaining premium on the short-period scale: 25% of premium within one week of inception, 12.5% beyond one week but within 15 days, and NIL beyond 15 days.","display":"Within one week: 25% of premium; beyond one week but within 15 days: 12.5%; beyond 15 days: NIL","note":null,"quote":"You may cancel this Policy by sending written Notice to Us. We will then allow a refund after retaining the premium based on the following Short Period scale.\nCancellation Period | Refund\nWithin One Week of inception of cover | 25% of premium\nBeyond One Week of inception of cover but within 15 days of inception of cover. | 12.5% of Premium\nBeyond 15 days of inception of cover | NIL","sources":[{"clause":"22","heading":"Cancellation","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-22-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the Insured Area or Defined Area and the Schedule, but does not print a geographic area such as India, worldwide, or listed countries.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"Crop or animal covered","section":"Cover","meaning":"What is insured.","status":"quote-verified","value":"The policy covers the crop the insured cultivates, as described in the schedule, in the area under cultivation covered under the policy.","display":"The Crop cultivated by the insured in the Insured Area","note":null,"quote":"Means the variety of seed and/ or plants the Insured cultivates, as described in the Schedule to this Policy. ... It means the area under cultivation which is covered under the Policy.","sources":[{"clause":"11","heading":"Crop","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-11"},{"clause":"18","heading":"Insured Area","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842#c-18"}],"law":[]},{"key":"claim_trigger","label":"Claim trigger","section":"Claims","meaning":"What has to happen for a payout: yield loss, weather index, death of animal.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Fasal Bima (Micro) Yojna","pages":17,"fetched_at":"2026-10-17 19:49:52+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/other-insurance/fasal-bima-policy-wording-micro.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8841"},{"kind":"wording","label":"Fasal Bima Yojna","pages":18,"fetched_at":"2026-10-17 19:49:51+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/other-insurance/fasal-bima-policy-wording.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8842"},{"kind":"prospectus","label":"Fasal Bima Yojna","pages":1,"fetched_at":"2026-10-17 19:48:25+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/other-insurance/fasal-bima-yojna.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011/document/8764"}],"versions":[{"uin":"ITG-AG-P11-14-V01-10-11","version":null,"approved_on":null},{"uin":"IRDAN106P0001V01201011","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IFFCO TOKIO General Insurance official website","url":"https://www.iffcotokio.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.iffcotokio.co.in/claims","note":null},{"purpose":"claim","kind":"insurer","name":"Register a claim","url":"https://www.iffcotokio.co.in/claims/register-a-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.iffcotokio.co.in/contact-us/customer-services/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew policy","url":"https://www.iffcotokio.co.in/renew-policy","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Fasal Bima Yojna (UIN IRDAN106P0001V01201011), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/fasal-bima-yojna-irdan106p0001v01201011"}