UP Kisan Sarvhit Bima — Comprehensive Farm Insurance

What is UP Kisan Sarvhit Bima?

UP Kisan Sarvhit Bima Yojana is Uttar Pradesh government's comprehensive farmer insurance scheme that provides ₹5 lakh accidental death/permanent disability cover and additional benefits to farmers aged 18–70. The entire premium is paid by the UP government — farmers pay nothing.

Key Benefits

Who is Eligible?

• Farmers registered with Uttar Pradesh agriculture department (verified land record)
• Age 18 to 70 years
• Landholding up to 2 hectares (5 acres) — small and marginal farmers
• Must have Kisan Credit Card (KCC) or registered on upagripardarshi.gov.in

How Enrollment Works

Enrollment is automatic for farmers registered with the UP Agriculture Department:

1. UP government pays insurance premium to the insurer (United India Insurance / empanelled insurer)
2. Farmer is covered from the date of registration
3. Farmers receive an insurance certificate after enrollment

If you are not yet registered, enroll at upagripardarshi.gov.in or at your district agriculture office.

How to Claim Insurance

For Accidental Death:

Step 1 — File FIR (for road accidents, animal attacks) at local police station

Step 2 — Get death certificate from municipality / gram panchayat

Step 3 — Apply at Tehsil / Collector office Submit:

• Death certificate
• FIR / post-mortem report (if applicable)
• Land records of deceased farmer
• Aadhaar of deceased and nominee
• Bank details of nominee (Aadhaar-linked)
• Photograph

Step 4 — Insurance disbursement After verification by the District Agriculture Officer, claim is processed. ₹5 lakh credited to nominee's bank account.

For Hospitalization (Accident):

• Admit in empanelled government hospital
• Hospital directly processes cashless treatment up to ₹25,000
• Or submit bills at district agriculture office for reimbursement

Claim Timeline

• Claim must be filed within 45 days of the incident
• Insurance company processes within 30 days of complete documentation
• Payment directly to nominee/farmer via DBT

Frequently Asked Questions

1. My husband died in a tractor accident. He was a farmer with 1.5 acres. How do I claim?

Go to your Tehsil Agriculture Office immediately. Bring: FIR, death certificate, his land record (khasra), Aadhaar of both of you, and your bank passbook. The office will process the claim for ₹5 lakh.

2. I am a farmer but don't have a Kisan Credit Card. Am I covered?

Registration at upagripardarshi.gov.in is the key requirement. You don't necessarily need a KCC — register your land details on the portal or at the district agriculture office to get covered.

3. My father is 72 and a farmer. Is he covered?

Maximum age under Kisan Sarvhit Bima is 70 years. A 72-year-old farmer is not covered under this scheme. He may be covered under other state/central schemes — check with the agriculture office.

4. Does this cover crop damage due to flood?

This scheme primarily covers personal accident (death, disability, hospitalization). Crop damage due to flood/drought is covered under PM Fasal Bima Yojana — a separate scheme. Apply on pmfby.gov.in.

5. Do tenant farmers (those who lease land) get this insurance?

Kisan Sarvhit Bima primarily covers landowners registered with the agriculture department. Tenant farmers should check with the district agriculture office — in some cases, tenants registered as cultivators are eligible.

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