{"uin":"IRDAN125RP0005V01201617","name":"Restructured Weather Based Crop Insurance Scheme (RWBCIS)","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617","insurer":{"slug":"hdfc-ergo-general-insurance","name":"HDFC ERGO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-ergo-general-insurance"},"line":"general","category":"rural","category_name":"Crop, cattle and rural","irdai_type":null,"kind":"product","status":"active","approved_on":"2017-03-24","withdrawn_on":null,"summary":"This is a rural crop insurance product that compensates insured farmers for agricultural economic activity losses resulting from deviation of the Observed Weather Index from the Strike Index. It also has Add on/Index Plus Cover for localized hailstorm and cloudburst, with intimation within 48 hours of the loss event.","analysis":{"state":"machine","analysed_at":"2026-10-20 09:10:52.157089+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":"not-stated","value":null,"display":null,"note":"No named plan variants are stated; Weather Index Cover and Add on/Index Plus Cover are cover types.","quote":null,"sources":[],"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 specimen wording points to the Period of Insurance / Policy Period in the schedule, but no duration is printed.","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":"For Weather Index Cover, delivery to the company is not earlier than expiry of the Period of Insurance and not later than 90 days from expiry, and in some cases the insured is not required to deliver to the company. For Add on/Index Plus Cover, immediate intimation within 48 hours of the loss event is required.","display":"Weather Index Cover: not later than 90 days from expiry of Period of Insurance; Add on/Index Plus Cover: within 48 hours of the loss event.","note":null,"quote":"Weather Index Cover ... not earlier than the expiry of the Period of Insurance specified in Part I of the Policy Schedule and not later than 90 days from the expiry of the Period of Insurance ... or there may be some cases where the Insured shall not require to deliver to the Company ... Add on/Index Plus Cover ... insured shall give immediate intimation (within 48 hours of the loss event)","sources":[{"clause":null,"heading":"Weather Index Cover","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-weather-index-cover-2"},{"clause":null,"heading":"Add on/Index Plus Cover","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-add-on-index-plus-cover-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":["a detailed statement in writing as per the claim form","any other material particular","duly completed claim form","all reasonable information, assistance and proofs","title deeds and other documents as may be required","books of accounts, receipts, documents relating to or containing entries relating to the loss","Land records as per government norms"],"display":"Claim form/detailed statement, material particulars, reasonable information and proofs, ownership documents if required, loss records, and for localized calamities land records.","note":"The land-record requirement is printed in the prospectus for identified localized calamities.","quote":"a detailed statement in writing as per the claim form and any other material particular, relevant to the making of such claim alongwith duly completed claim form ... all reasonable information, assistance and proofs in connection with any claim hereunder ... such title deeds and other documents as may be required by the Company for verification of his/her ownership ... produce all books of accounts, receipts, documents relating to or containing entries relating to the loss ... • Duly completed claim form as applicable (only addon/index plus localized cover)\n• Land records as per government norms","sources":[{"clause":null,"heading":"Weather Index Cover","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-weather-index-cover-2"},{"clause":"7.2","heading":"Legal Ownership","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-7-2"},{"clause":"13","heading":"Right to inspect","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-13"},{"clause":null,"heading":"CLAIM DOCUMENTS","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6817#c-claim-documents"}],"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":"For Weather Index Cover, payment is not earlier than expiry of the Period of Insurance and not later than 90 days from expiry of the Period of Insurance. The CIS also gives TATs for claims settlement: surveyor appointment within 24 hours from claim intimation, survey report within 15 days from allotment of survey, and decision within 7 days from survey report.","display":"Weather Index Cover: payment not later than 90 days from expiry of Period of Insurance; CIS TAT: surveyor 24 hours, report 15 days, decision 7 days.","note":"The 24 hours / 15 days / 7 days TATs are from the CIS.","quote":"payment shall be made to the insured, which is irrespective of the date on which the event shall have occurred, but not earlier than the expiry of the Period of Insurance specified in Part I of the Schedule and not later than 90 days from the expiry of the Period of Insurance. ... • Turn Around Time (TAT) in working hours/ days for claims settlement - Surveyor appointment- 24 hours from claim intimation - Survey report- 15 days from allotment of survey - Decision of claim to insured - 7 days from survey report","sources":[{"clause":null,"heading":"Weather Index Cover","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-weather-index-cover-2"},{"clause":"5.2.1","heading":"Add-on coverage: The States may consider providing","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6743#c-5-2-1"}],"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":["Ionizing radiations or contaminations by radioactivity from any nuclear waste from the combustion of nuclear fuel","The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof","any event leading to diminished agricultural or non-agricultural output/yield, or increased operational costs, howsoever caused, other than on account of a deviation in weather parameters","Acts of Terrorism Loss or damage, cost or expenses","War, war-like operations, act of foreign enemy, invasion of Indian territory","untrue or incorrect statements, misrepresentation, mis-description or on non- disclosure","a claim being fraudulent or any fraudulent means or devices"],"display":"Nuclear/radioactivity, non-weather output/yield or operational-cost loss, terrorism, war and similar events, misrepresentation/non-disclosure, and fraudulent claims.","note":null,"quote":"Ionizing radiations or contaminations by radioactivity from any nuclear waste from the combustion of nuclear fuel ... The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. ... any event leading to diminished agricultural or non-agricultural output/yield, or increased operational costs, howsoever caused, other than on account of a deviation in weather parameters ... Acts of Terrorism Loss or damage, cost or expenses ... War, war-like operations, act of foreign enemy, invasion of Indian territory ... untrue or incorrect statements, misrepresentation, mis-description or on non- disclosure ... a claim being fraudulent or any fraudulent means or devices","sources":[{"clause":"3.1","heading":"The Company shall not be liable to make any payment under","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-3-1"},{"clause":"3.2","heading":"The Company shall not be liable to make any payment","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-3-2"},{"clause":"3.3","heading":"Acts of Terrorism Loss or damage, cost or expenses","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-3-3"},{"clause":"3.4","heading":"War, war-like operations, act of foreign enemy, invasion","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-3-4"},{"clause":"1","heading":"Incontestability and Duty of Disclosure","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-1-2"}],"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's Grievance Redressal Officer through the call centre, grievance email, branch/corporate office or website. If not satisfied, contact the Head of Customer Service at the Complaint & Grievance Redressal Cell, and then the Chief Grievance Officer before approaching IRDAI or the Insurance Ombudsman.","display":"Grievance Redressal Officer first; then Head of Customer Service / C&G Cell; then Chief Grievance Officer; then IRDAI or Ombudsman.","note":null,"quote":"Our Grievance Redressal Officer If you have a grievance that you wish us to redress, you may contact us with the details of your grievance through:\n• Call Centre: 022 6158 2020/ 022 6234 6234\n• Emails: grievance@hdfcergo.com ... If you are not satisfied with our redressal of your grievance through one of the above methods, you may contact our Head of Customer Service at The Complaint & Grievance Redressal Cell ... In case you are not satisfied with the response / resolution given / offered by the C&G cell, then you can write to the Chief Grievance Officer of the Company","sources":[{"clause":null,"heading":"Grievance Redressal Procedure","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-grievance-redressal-procedure"}],"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":["Rainfall","Temperature","Humidity","Fog","Wind Velocity","Sunshine","Hailstorm","Cloud Burst"],"display":"Rainfall, Temperature, Humidity, Fog, Wind Velocity, Sunshine, Hailstorm and Cloud Burst.","note":null,"quote":"Weather Index would be constructed with any one or a combination of the following weather parameters (this will be specified for each individual Policy under section “Coverage Details” in Schedule I):\n• Rainfall\n• Temperature\n• Humidity\n• Fog\n• Wind Velocity\n• Sunshine\n• Hailstorm\n• Cloud Burst","sources":[{"clause":null,"heading":"“Observed Weather Index”","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-observed-weather-index"}],"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":"The CIS says Loss Participation is as per policy schedule, but no deductible or excess amount is printed in the provided documents.","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":"The insured can cancel the policy at any time during the policy term by informing the company. The company refunds proportion premium for the unexpired policy period, subject to no claims made during the policy period.","display":"Cancel any time; proportion premium refund for unexpired policy period if no claim was made.","note":null,"quote":"The Insured can cancel the policy at any time during the policy term, by informing the Company. ... The Company shall refund proportion premium for unexpired policy period subject to no claim(s) made during the policy period..","sources":[{"clause":"20","heading":"Cancellation","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-20"}],"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 coverage within a specific geographical location stated in the schedule, but the provided documents do not print the territory.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"Crop or animal covered","section":"Cover","meaning":"What is insured.","status":"quote-verified","value":"The subject covered is the Property and/or Crop Cultivated specified in the policy schedule, including notified crops grown by insured farmers. The provided specimen documents do not name specific crops.","display":"Property and/or Crop Cultivated / notified crops.","note":null,"quote":"Property and /or Crop Cultivated as specified in Part I of the Schedule to the Policy ... Available to all insured farmers, at farm unit level, affected by above mentioned perils in a Notified Insurance Unit growing notified crops for which insurance have been availed.","sources":[{"clause":"4","heading":"BASIS OF ASSESSMENT OF CLAIMS","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-4"},{"clause":"4(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-4-i"}],"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":"quote-verified","value":"For Weather Index Cover, payout is triggered when the Observed Weather Index is greater or lower than the Strike Index in the specified geographical location and time period. For Add on/Index Plus Cover, the trigger is crop loss due to localized perils or calamities of Hailstorm and cloudburst.","display":"Observed Weather Index greater or lower than Strike Index; Add on/Index Plus crop loss from Hailstorm and cloudburst.","note":null,"quote":"In the event that, in the geographical location and during the time period specified in Part I of the Schedule to this Policy, the Observed Weather Index is greater or lower than the Strike Index, the benefit payable to the Insured shall be as per the Payment Formula specified in Part I of the Schedule, subject to a maximum of the Sum Insured. ... Add on/Index Plus Cover ... crop losses due to occurrence of localized perils/ calamities viz. Hailstorm and cloudburst","sources":[{"clause":null,"heading":"Weather Index Cover","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-weather-index-cover"},{"clause":null,"heading":"Add on/Index Plus Cover","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934#c-add-on-index-plus-cover"}],"law":[]}],"documents":[{"kind":"wording","label":"Restructured Weather based Crop Insurance Scheme","pages":10,"fetched_at":"2026-10-17 19:54:08+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/restructured-weather-based-crop-insurance-scheme-154086804532.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6934"},{"kind":"wording","label":"Restructured Weather Based Crop Insurance Scheme (RWBCIS) (IRDAI copy)","pages":20,"fetched_at":"2026-10-20 00:35:55+00","source_url":"https://irdai.gov.in/documents/37343/993134/64--RWBCIS_GEN1108.pdf/bb685e3c-2cb1-5471-a0ba-3ceb9242f00f?version=1.1&t=1668755377574&download=true","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/23995"},{"kind":"prospectus","label":"Restructured Weather Based Crop Insurance Scheme (RWBCIS)","pages":2,"fetched_at":"2026-10-17 19:51:51+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/other/41-rwbcis---prospectus-779744716436.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6817"},{"kind":"cis","label":"Restructured Weather Based Crop Insurance Scheme (RWBCIS)","pages":8,"fetched_at":"2026-10-17 19:50:06+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/docs/default-source/downloads/cis/other/restructuredweatherbasedcropinsuranceschemerwbcis-280072364269.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617/document/6743"}],"versions":[{"uin":"IRDAN125P0005V01201617","version":null,"approved_on":null},{"uin":"IRDAN125RP0005V01201617","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"HDFC ERGO General Insurance official website","url":"https://www.hdfcergo.com/","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":"Claim intimation and process","url":"https://www.hdfcergo.com/claim/register-bike-insurance-claim/cashless-claims","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.hdfcergo.com/customer-voice/grievances","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 car insurance","url":"https://www.hdfcergo.com/renew-car-insurance","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":"Restructured Weather Based Crop Insurance Scheme (RWBCIS) (UIN IRDAN125RP0005V01201617), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/restructured-weather-based-crop-insurance-scheme-rwbcis-irdan125rp0005v01201617"}