Indian Journal of Science and Technology

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Background/Objectives: WBCIS products proposed by three insurance providers were evaluated using historical weather data for kharif rice in Dharmapuri, Theni, Tirunelveli and Virudhunagar districts of Tamil Nadu. Rice is sensitive to moisture stress at reproductive stage as it consumes large amount of water during the major part of reproductive phase. Results/ Findings: Evaluation of the strike events revealed that all the study districts are highly vulnerable to deficit rainfall risk. The soil factor and the intensity of rainfall during critical stages of the crops must be considered for excess rainfall. Water holding capacity of the soil and the daily ET must be taken into account for consecutive dry days. Conclusion/Application: Hypothetical analysis showed that the product designed by AIC for Virudhunagar was reliable both in terms of threshold values and compensation rate per mm of rainfall under different phases of crop growing period. This could be supported through higher monetary returns benefited by the farmer at Virudhunagar district.

Keywords

Insurance Companies, Payout, Product Design, Rice, Strike Events
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