Question: query about pradhan mantri fasal bima yojana.
Answer: enrolment channels: banks/pacs, common service centre(csc), designated insurance intermediaries, online enrolment through pmfby portal, crop insurance app.
coverage of risks and exclusions under pmfby scheme:
             following stages of the crop risks leading to crop loss are covered under the scheme. addition of new risks by the state govt other than the one mentioned below, by the state govt. is not permitted.

prevented sowing/planting/germination risk: insured area is prevented from sowing / planting / germination due to deficit rainfall or adverse seasonal/weather conditions. 25% of the sum insured will be paid and the policy will be terminated.
standing crop (sowing to harvesting): comprehensive risk insurance is provided to cover yield losses due to non-preventable risks, viz. drought, dry spell, flood, inundation, widespread pests and disease attack, landslides, fire due to natural causes ,lightening, storm, hailstorm and cyclone.
post-harvest losses: coverage is available only upto a maximum period of two weeks from harvesting, for those crops which are required to be dried in cut and spread / small bundled condition in the field after harvesting against specific perils of hailstorm, cyclone, cyclonic rains and unseasonal rains.
localized calamities: loss/damage to notified insured crops resulting from occurrence of identified localized risks of hailstorm, landslide, inundation, cloud burst and natural fire due to lightening affecting isolated farms in the notified area.