questions: query about pmfby. 
 answers: risks covered under the scheme:
yield losses (standing crops, on notified area basis). comprehensive risk insurance is provided to cover yield losses due to non-preventable risks, such as natural fire and lightning, storm, hailstorm, cyclone, typhoon, tempest, hurricane, tornado. risks due to flood, inundation and landslide, drought, dry spells, pests/ diseases also will be covered.
in cases where majority of the insured farmers of a notified area, having intent to sow/plant and incurred expenditure for the purpose, are prevented from sowing/planting the insured crop due to adverse weather conditions, shall be eligible for indemnity claims upto a maximum of 25 per cent of the sum-insured.
in post-harvest losses, coverage will be available up to a maximum period of 14 days from harvesting for those crops which are kept in “cut & spread” condition to dry in the field.
for certain localized problems, loss / damage resulting from occurrence of identified localized risks like hailstorm, landslide, and inundation affecting isolated farms in the notified area would also be covered.