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</a> <ul id="toc-Economic_interactions-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-References" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#References"> <div class="vector-toc-text"> <span class="vector-toc-numb">4</span> <span>References</span> </div> </a> <ul id="toc-References-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-External_links" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#External_links"> <div class="vector-toc-text"> <span class="vector-toc-numb">5</span> <span>External links</span> </div> </a> <ul id="toc-External_links-sublist" class="vector-toc-list"> </ul> </li> </ul> </div> </div> </nav> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <nav aria-label="Contents" class="vector-toc-landmark"> <div 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class="mw-page-title-main">Agricultural insurance in India</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Go to an article in another language. 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It is necessary to protect the farmers from natural calamities and ensure their credit eligibility for the next season. For this purpose, the <a href="/wiki/Government_of_India" title="Government of India">Government of India</a> introduced many agricultural social insurances throughout the country, the most important one of them being <a href="/wiki/Pradhan_Mantri_Fasal_Bima_Yojana" title="Pradhan Mantri Fasal Bima Yojana">Pradhan Mantri Fasal Bima Yojana</a>. </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="Current_insurance_schemes">Current insurance schemes</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Agricultural_insurance_in_India&action=edit&section=1" title="Edit section: Current insurance schemes"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="mw-heading mw-heading3"><h3 id="Pradhan_Mantri_Fasal_Bima_Yojana">Pradhan Mantri Fasal Bima Yojana</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Agricultural_insurance_in_India&action=edit&section=2" title="Edit section: Pradhan Mantri Fasal Bima Yojana"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The <a href="/wiki/Pradhan_Mantri_Fasal_Bima_Yojana" title="Pradhan Mantri Fasal Bima Yojana">Pradhan Mantri Fasal Bima Yojana</a> (Prime Minister's Crop Insurance Scheme) was launched by <a href="/wiki/Prime_Minister_of_India" title="Prime Minister of India">Prime Minister of India</a> <a href="/wiki/Narendra_Modi" title="Narendra Modi">Narendra Modi</a> on 13 February 2016.<sup id="cite_ref-toi_1-0" class="reference"><a href="#cite_note-toi-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Livestock_Insurance_Scheme">Livestock Insurance Scheme</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Agricultural_insurance_in_India&action=edit&section=3" title="Edit section: Livestock Insurance Scheme"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p><span class="anchor" id="LIS"></span><span class="anchor" id="Livestock_Insurance_Scheme"></span> </p><p><b>Livestock Insurance Scheme in India</b> provided "provide protection mechanism to the farmers and cattle rearers against any eventual loss of their animals due to death and to demonstrate the benefit of the insurance of livestock to the people and popularize it with the ultimate goal of attaining qualitative improvement in livestock and their products."<sup id="cite_ref-ins1_3-0" class="reference"><a href="#cite_note-ins1-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Other_agriculture_schemes_launched_by_Modi_regime">Other agriculture schemes launched by Modi regime</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Agricultural_insurance_in_India&action=edit&section=4" title="Edit section: Other agriculture schemes launched by Modi regime"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Agriculture initiatives schemes launched by the Modi regime are:<sup id="cite_ref-ins1_3-1" class="reference"><a href="#cite_note-ins1-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> </p> <ul><li><a href="/wiki/2020_Indian_agriculture_acts" title="2020 Indian agriculture acts">2020 Indian agriculture acts</a></li> <li><a href="/wiki/Atal_Bhujal_Yojana" title="Atal Bhujal Yojana">Atal Bhujal Yojana</a></li> <li><a href="/wiki/E-NAM" title="E-NAM">E-NAM</a> for online agrimarketing</li> <li><a href="/wiki/Gramin_Bhandaran_Yojana" title="Gramin Bhandaran Yojana">Gramin Bhandaran Yojana</a> for local storage</li> <li><a href="/wiki/Irrigation_in_India#MIcro" title="Irrigation in India">Micro Irrigation Fund (MIF)</a></li> <li><a href="/wiki/National_Action_Plan_for_Climate_Change#NMSA" title="National Action Plan for Climate Change">National Mission For Sustainable Agriculture (NMSA)</a></li> <li>National Scheme on Fisheries Training and Extension</li> <li>National Scheme on Welfare of Fishermen</li> <li><a href="/wiki/Pradhan_Mantri_Kisan_Samman_Nidhi" title="Pradhan Mantri Kisan Samman Nidhi">Pradhan Mantri Kisan Samman Nidhi (PMKSN)</a> for minimum support scheme</li> <li><a href="/wiki/Pradhan_Mantri_Krishi_Sinchai_Yojana" title="Pradhan Mantri Krishi Sinchai Yojana">Pradhan Mantri Krishi Sinchai Yojana (PMKSY)</a> for irrigation</li> <li><a href="/wiki/Agriculture_in_India#OF" title="Agriculture in India">Paramparagat Krishi Vikas Yojana (PKVY)</a> for organic farming</li> <li><a href="/wiki/Pradhan_Mantri_Fasal_Bima_Yojana" title="Pradhan Mantri Fasal Bima Yojana">Pradhan Mantri Fasal Bima Yojana (PMFBY)</a> for crop insurance</li> <li><a href="/wiki/Farmer_Income_Protection_Scheme_(PM_AASHA)" title="Farmer Income Protection Scheme (PM AASHA)">Farmer Income Protection Scheme (PM AASHA)</a></li></ul> <div class="mw-heading mw-heading2"><h2 id="Previous_schemes">Previous schemes</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Agricultural_insurance_in_India&action=edit&section=5" title="Edit section: Previous schemes"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="mw-heading mw-heading3"><h3 id="Farm_Income_Insurance_Scheme">Farm Income Insurance Scheme</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Agricultural_insurance_in_India&action=edit&section=6" title="Edit section: Farm Income Insurance Scheme"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The Central Government formulated the Farm Income Insurance Scheme (FIIS) during 2003-04. The two critical components of a farmer's income are yield and price. FIIS targeted these two components through a single insurance policy so that the insured farmer could get a guaranteed income.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (August 2017)">citation needed</span></a></i>]</sup> </p><p>The scheme provided income protection to the farmers by insuring production and market risks. The insured farmers were ensured minimum guaranteed income (that is, average yield multiplied by the minimum support price). If the actual income was less than the guaranteed income, the insured would be compensated to the extent of the shortfall by the <a href="/wiki/Agriculture_Insurance_Company_of_India" title="Agriculture Insurance Company of India">Agriculture Insurance Company of India</a>. Initially, the scheme would cover only wheat and rice and would be compulsory for farmers availing crop loans. NAIS (explained in the section below) would be withdrawn for the crops covered under FIIS, but would continue to be applicable for other crops.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (August 2017)">citation needed</span></a></i>]</sup> </p><p>The FIIS was withdrawn in 2004.<sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> <sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="National_Agriculture_Insurance_Scheme">National Agriculture Insurance Scheme</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Agricultural_insurance_in_India&action=edit&section=7" title="Edit section: National Agriculture Insurance Scheme"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The Government of India experimented with a comprehensive crop insurance scheme which failed. The Government then introduced in 1999-2000, a new scheme titled “National Agricultural Insurance Scheme” (NAIS) or “Rashtriya Krishi Bima Yojana” (RKBY).<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> NAIS envisages coverage of all food crops (cereals and pulses), oilseeds, horticultural and commercial crops. It covers all farmers, both loanees and non-loanees, under the scheme. </p><p>The <a href="/wiki/Insurance_premium" class="mw-redirect" title="Insurance premium">premium</a> rates vary from 1.5 percent to 3.5 percent of sum assured for food crops. In the case of horticultural and commercial crops, actuarial rates are charged. Small and marginal farmers are entitled to a subsidy of 50 percent of the premium charged- the subsidy is shared equally between the Government of India and the States. The subsidy is to be phased out over a period of 5 years. </p><p>NAIS operates on the basis of </p> <ol><li>Area approach</li> <li>On individual basis- for localized calamities such as hailstorms, landslides, cyclones and floods.</li></ol> <p>Under the scheme, each state is required to reach the level Gram Panchayat as the unit of insurance in a maximum period of 3 years. Agriculture Insurance Corporation of India is implementing the scheme. This scheme is replaced by Pradhan Mantri Fasal Bima Yojana. </p> <div class="mw-heading mw-heading2"><h2 id="Economic_interactions">Economic interactions</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Agricultural_insurance_in_India&action=edit&section=8" title="Edit section: Economic interactions"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The <a href="/wiki/Minimum_support_price_(India)" title="Minimum support price (India)">minimum support price</a> subsidy influences insurance pricing. The <a href="/wiki/Insurable_interest" title="Insurable interest">insurable interest</a> is calculated as normal for an unsubsidised <a href="/wiki/Crop" title="Crop">crop</a>, but for subsidised crops the MSP is used. This distorts the function of the insurance market. Although this program is intended to increase per farmer income – a goal advocated by <a href="/wiki/Bhimrao_Ramji_Ambedkar" class="mw-redirect" title="Bhimrao Ramji Ambedkar">Bhimrao Ramji Ambedkar</a> – setting an artificial price also impairs decision making in <a href="/wiki/Crop_insurance" title="Crop insurance">crop insurance</a> – also a major policy focus for Ambedkar, the subject of many of his public speeches, and some of his academic work.<sup id="cite_ref-Gangopadhyay-Sen-2016_7-0" class="reference"><a href="#cite_note-Gangopadhyay-Sen-2016-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Agricultural_insurance_in_India&action=edit&section=9" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style 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id="cite_note-toi-1"><span class="mw-cite-backlink"><b><a href="#cite_ref-toi_1-0">^</a></b></span> <span class="reference-text"><style data-mw-deduplicate="TemplateStyles:r1238218222">.mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free.id-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon 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.citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite class="citation cs2"><a rel="nofollow" class="external text" href="https://timesofindia.indiatimes.com/india/Fasal-Bima-Yojana-will-solve-farmers-problems-PM-Modi/articleshow/51039043.cms">"Fasal Bima Yojana will solve farmers' problems: PM Modi"</a>, <i><a href="/wiki/The_Times_of_India" title="The Times of India">The Times of India</a></i>, 18 February 2016, <a rel="nofollow" class="external text" href="https://web.archive.org/web/20210506012632/https://timesofindia.indiatimes.com/india/Fasal-Bima-Yojana-will-solve-farmers-problems-PM-Modi/articleshow/51039043.cms">archived</a> from the original on 6 May 2021<span class="reference-accessdate">, retrieved <span class="nowrap">19 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href="#cite_ref-ins1_3-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-ins1_3-1"><sup><i><b>b</b></i></sup></a></span> <span class="reference-text"><a rel="nofollow" class="external text" href="https://www.indiatoday.in/education-today/gk-current-affairs/story/10-important-government-schemes-agriculture-sector-divd-1593413-2019-08-30">10 important government schemes for agriculture sector</a>, India today, 2019-08-30.</span> </li> <li id="cite_note-4"><span class="mw-cite-backlink"><b><a href="#cite_ref-4">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.thehindubusinessline.in/2004/06/11/stories/2004061101191900.htm">"Farm Income Insurance Scheme withdrawn"</a>. <a href="/wiki/The_Hindu_Business_Line" class="mw-redirect" title="The Hindu Business Line">The Hindu Business Line</a>. 11 June 2004<span class="reference-accessdate">. Retrieved <span class="nowrap">14 October</span> 2011</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Farm+Income+Insurance+Scheme+withdrawn&rft.pub=The+Hindu+Business+Line&rft.date=2004-06-11&rft_id=http%3A%2F%2Fwww.thehindubusinessline.in%2F2004%2F06%2F11%2Fstories%2F2004061101191900.htm&rfr_id=info%3Asid%2Fen.wikipedia.org%3AAgricultural+insurance+in+India" class="Z3988"></span></span> </li> <li id="cite_note-5"><span class="mw-cite-backlink"><b><a href="#cite_ref-5">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.thehindu.com/opinion/op-ed/protecting-the-small-farmer/article7065655.ece">"Protecting the small farmer - the Hindu"</a>. <i><a href="/wiki/The_Hindu" title="The Hindu">The Hindu</a></i>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20210309192441/https://www.thehindu.com/opinion/op-ed/protecting-the-small-farmer/article7065655.ece">Archived</a> from the original on 9 March 2021<span class="reference-accessdate">. Retrieved <span class="nowrap">4 April</span> 2015</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=The+Hindu&rft.atitle=Protecting+the+small+farmer+-+the+Hindu&rft_id=http%3A%2F%2Fwww.thehindu.com%2Fopinion%2Fop-ed%2Fprotecting-the-small-farmer%2Farticle7065655.ece&rfr_id=info%3Asid%2Fen.wikipedia.org%3AAgricultural+insurance+in+India" class="Z3988"></span></span> </li> <li id="cite_note-6"><span class="mw-cite-backlink"><b><a href="#cite_ref-6">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="http://www.indg.in/agriculture/schemes/nationalagriculturalinsurancescheme">NationalAgriculturalInsuranceScheme (NAIS) / Rashtriya Krishi Bima Yojana (RKBY)</a> <a rel="nofollow" class="external text" href="https://web.archive.org/web/20110104142120/http://www.indg.in/agriculture/schemes/nationalagriculturalinsurancescheme">Archived</a> 4 January 2011 at the <a href="/wiki/Wayback_Machine" title="Wayback Machine">Wayback Machine</a></span> </li> <li id="cite_note-Gangopadhyay-Sen-2016-7"><span class="mw-cite-backlink"><b><a href="#cite_ref-Gangopadhyay-Sen-2016_7-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFGangopadhyaySen2016" class="citation journal cs1">Gangopadhyay, Shubhashis; Sen, Paroma (2016). "Improving the Lot of Indian Farmers". <i>Review of Market Integration</i>. <b>8</b> (1–2). <a href="/wiki/SAGE_Publishing" class="mw-redirect" title="SAGE Publishing">Sage</a>: 34–48. <a href="/wiki/Doi_(identifier)" class="mw-redirect" title="Doi (identifier)">doi</a>:<a rel="nofollow" class="external text" href="https://doi.org/10.1177%2F0974929216687907">10.1177/0974929216687907</a>. <a href="/wiki/ISSN_(identifier)" class="mw-redirect" title="ISSN (identifier)">ISSN</a> <a rel="nofollow" class="external text" href="https://search.worldcat.org/issn/0974-9292">0974-9292</a>. <a href="/wiki/S2CID_(identifier)" class="mw-redirect" title="S2CID (identifier)">S2CID</a> <a rel="nofollow" class="external text" href="https://api.semanticscholar.org/CorpusID:158722403">158722403</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Review+of+Market+Integration&rft.atitle=Improving+the+Lot+of+Indian+Farmers&rft.volume=8&rft.issue=1%E2%80%932&rft.pages=34-48&rft.date=2016&rft_id=https%3A%2F%2Fapi.semanticscholar.org%2FCorpusID%3A158722403%23id-name%3DS2CID&rft.issn=0974-9292&rft_id=info%3Adoi%2F10.1177%2F0974929216687907&rft.aulast=Gangopadhyay&rft.aufirst=Shubhashis&rft.au=Sen%2C+Paroma&rfr_id=info%3Asid%2Fen.wikipedia.org%3AAgricultural+insurance+in+India" class="Z3988"></span></span> </li> </ol></div></div> <div class="mw-heading mw-heading2"><h2 id="External_links">External links</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Agricultural_insurance_in_India&action=edit&section=10" title="Edit section: External links"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a rel="nofollow" class="external text" href="https://web.archive.org/web/20090410014734/http://des.kar.nic.in/cis/Guidelines.pdf">National Agricultural Insurance Scheme (NAIS) guidelines</a></li> <li><a rel="nofollow" class="external text" href="http://www.ncap.res.in/upload_files/others/oth_15.pdf">Agricultural Insurance in India Problems and Prospects</a></li> <li><a rel="nofollow" class="external text" href="https://web.archive.org/web/20120425064312/http://www.fair.org.eg/Review/Aricles/141/NIA%20Crop.pdf">Crop Insurance - An Indian Experience</a></li> <li><a rel="nofollow" class="external text" href="https://pmfby.gov.in">Pradhan Mantri Fasal Bima Yojana</a></li> <li><a rel="nofollow" class="external text" href="http://www.gktoday.in/blog/pradhan-mantri-fasal-bima-yojana/">gktoday</a></li></ul> <div class="navbox-styles"><style data-mw-deduplicate="TemplateStyles:r1129693374">.mw-parser-output .hlist dl,.mw-parser-output .hlist ol,.mw-parser-output .hlist ul{margin:0;padding:0}.mw-parser-output .hlist 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href="/wiki/Max_Life_Insurance" title="Max Life Insurance">Max Life</a></li> <li><a href="/wiki/Peerless_Group" title="Peerless Group">Peerless</a></li> <li><a href="/wiki/PNB_MetLife_India_Insurance_Company" title="PNB MetLife India Insurance Company">PNB MetLife</a></li> <li><a href="/wiki/Reliance_Life_Insurance" title="Reliance Life Insurance">Reliance Nippon Life</a></li> <li><a href="/wiki/Kotak_Life_Insurance" title="Kotak Life Insurance">Kotak Mahindra Life</a></li> <li><a href="/w/index.php?title=Sahara_Life_Insurance&action=edit&redlink=1" class="new" title="Sahara Life Insurance (page does not exist)">Sahara Life</a></li> <li><a href="/wiki/SBI_Life_Insurance_Company_Limited" class="mw-redirect" title="SBI Life Insurance Company Limited">SBI Life</a></li> <li><a href="/wiki/Shriram_Life_Insurance" class="mw-redirect" title="Shriram Life Insurance">Sriram Life</a></li> <li><a href="/wiki/Tata_AIA" class="mw-redirect" title="Tata AIA">Tata AIA</a></li></ul> </div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th id="Public_sector" scope="row" class="navbox-group" style="width:1%">Public sector</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Life_Insurance_Corporation_of_India" class="mw-redirect" title="Life Insurance Corporation of India">Life Insurance Corporation of India (LIC)</a></li></ul> </div></td></tr></tbody></table><div> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Reinsurance" title="Reinsurance">Reinsurance</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/General_Insurance_Corporation_of_India" title="General Insurance Corporation of India">GIC-Re</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Insurance_Repository_in_India" title="Insurance Repository in India">Repository</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Central_Depository_Services_Limited" title="Central Depository Services Limited">CDSL</a></li> <li><a href="/wiki/National_Securities_Depository_Limited" title="National Securities Depository Limited">NSDL</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Policy</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a class="mw-selflink selflink">Agricultural insurance in India</a></li> <li><a href="/wiki/National_Health_Policy" title="National Health Policy">National Health Policy</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Government <br />schemes</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Ayushman_Bharat_Yojana" title="Ayushman Bharat Yojana">Ayushman Bharat Yojana</a></li> <li><a href="/wiki/Biju_Swastya_Kalyan_Yojana" title="Biju Swastya Kalyan Yojana">Biju Swastya Kalyan Yojana</a></li> <li><a href="/wiki/Pradhan_Mantri_Fasal_Bima_Yojana" title="Pradhan Mantri Fasal Bima Yojana">PM Fasal Bima Yojana</a></li> <li><a href="/wiki/Pradhan_Mantri_Suraksha_Bima_Yojana" title="Pradhan Mantri Suraksha Bima Yojana">PM Suraksha Bima Yojana</a></li> <li><a href="/wiki/Pradhan_Mantri_Jeevan_Jyoti_Bima_Yojana" title="Pradhan Mantri Jeevan Jyoti Bima Yojana">PM Jeevan Jyoti Bima Yojana</a></li> <li><a href="/wiki/Rashtriya_Swasthya_Bima_Yojana" title="Rashtriya Swasthya Bima Yojana">Rashtriya Swasthya Bima Yojana</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Legislations</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Insurance_Act,_1938" title="Insurance Act, 1938">Insurance Act, 1938</a></li> <li><a href="/wiki/Life_Insurance_Corporation#Nationalization_in_1956" title="Life Insurance Corporation">Industrial Policy Resolution of 1956</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Other</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Center_for_Insurance_Studies_and_Research" title="Center for Insurance Studies and Research">CISR</a></li> <li><a href="/wiki/Insurance_Institute_of_India" title="Insurance Institute of India">Insurance Institute of India</a></li> <li><a href="/wiki/Insurance_Regulatory_and_Development_Authority" title="Insurance Regulatory and Development Authority">Insurance Regulatory and Development Authority (IRDA)</a></li> <li><a href="/wiki/Insurance_Repository_in_India" title="Insurance Repository in India">Insurance Repository in India</a></li></ul> </div></td></tr><tr><td class="navbox-abovebelow" colspan="2" style="font-weight: bold;"><div> <ul><li><span class="noviewer" typeof="mw:File"><span title="Category"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/16px-Symbol_category_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/23px-Symbol_category_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/31px-Symbol_category_class.svg.png 2x" data-file-width="180" data-file-height="185" /></span></span> <a href="/wiki/Category:Insurance_in_India" title="Category:Insurance in India">Category</a></li></ul> </div></td></tr></tbody></table></div>    </div><noscript><img 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