Weather-based Crop Insurance Scheme (WBCIS) is being implemented as component of National Crop Insurance Programme (NCIP). This scheme provides insurance coverage and financial support to the farmers in the event of failure of crops due to Adverse Weather Incidence and subsequent crop loss. 

The Adverse Weather Incidences leading to crop loss and subsequent indemnity under WBCIS are as follows: Rainfall – Deficit Rainfall, Unseasonal Rainfall, Excess rainfall, Rainy days, Dry-spell, Dry days Relative Humidity Temperature – High temperature (heat), Low temperature (frost) Wind Speed A combination of the above Hailstorms and cloudburst

Thank you Suresh for providing information. But my concern is basically on how product is designed in each weather incidences? is it same for all crops and locations? if not, how they determine the triggers?.  It would be nice if you elaborate  a little bit

Happy to see a scientific discussion on the topic. As an example, a soil test indicating an EC of 8 dS m-1 with high pH. What could be base that correlates plant tolerances to various levels of salinity (ECs). So, how exactly does soil salt level influence plant survival and growth? Water is absorbed into plants because of a gradient that exists between the soil solution and the cell sap of the interior root cells (both passive and active systems are involved). As the concentration of neutral salts such as sodium chloride and sodium sulfate increases in the soil solution, its water potential becomes more negative, making water movement to the root cells more difficult. If the soil solution potential becomes negative enough, water may actually migrate out of the plant cells and into soil solution. There may be ample available soil moisture for plant growth; it ís just that the plant cannot extract it because of the strong negative potential. The effect is essentially the same as drought - the plant can not get enough water to maintain proper growth, or it takes so much plant energy extracting the water that growth suffers. The situation is exacerbated under water stress conditions, particularly on fine-textured soils where it takes more pull for the plant to remove water at a given soil moisture level. In addition to the osmotic effect, certain ions are directly toxic to plants. Also, ions such as Na can influence soil chemistry and biology to such a degree as to limit plant nutrient availability as previously described. Lastly, certain ions negatively influence soil structure and permeability characteristics, thereby retarding plant growth.

Dear Krishna, I wanted to tag above answer to some other question, but by mistake it has come here. You may ignore it

Okey, Suresh.