Agriculture & Crop Insurance in Nepal
Compare agriculture insurance plans. Government-subsidized crop, livestock & farm protection from Nepal's leading insurers.
What is Agriculture Insurance?
Agriculture insurance protects farmers against crop failure, livestock death, and weather-related losses. In Nepal, where 65% of the population depends on agriculture, crop and livestock insurance is subsidized up to 75% by the government through Beema Samiti. Plans cover paddy, wheat, maize, vegetables, poultry, cattle, goats, and fisheries against natural disasters, disease, and pest damage.
Why Choose Agriculture Insurance in Nepal?
Government subsidized — up to 75% premium subsidy makes agriculture insurance highly affordable for Nepali farmers
Protection against unpredictable monsoons, droughts, hailstorms, and floods that destroy crops every year
Livestock coverage for cattle, buffalo, goat, poultry, and fisheries against disease outbreaks and natural death
Enables access to agricultural loans — banks require crop/livestock insurance for farm credit disbursement
How to Compare Agriculture Insurance Plans
Select your farming type — crop (paddy, wheat, vegetables) or livestock (cattle, poultry, fisheries) insurance
Compare coverage for different perils — drought, flood, hailstorm, pest attack, and disease outbreak
Check government subsidy eligibility — most plans qualify for 50-75% premium subsidy from the Nepal government
Review claim settlement timelines — faster-settling companies help farmers recover and replant sooner
Key Factors for Agriculture Insurance
Government Subsidy
Nepal government subsidizes 50-75% of crop/livestock insurance premiums. Ensure your plan qualifies for maximum subsidy benefit.
Covered Perils
Check if the plan covers all relevant risks — flood, drought, hailstorm, pest attack, disease, and wildlife damage to crops.
Sum Insured Calculation
Based on expected yield and market price. Ensure the sum insured reflects actual production costs and expected income.
Claim Assessment
Understand how losses are assessed — crop-cutting experiments, satellite imagery, or individual farm inspection methods affect your payout.