Yield-based insurance is designed to protect farmers, agribusinesses, and food producers against financial losses due to low crop or livestock yield caused by natural factors such as droughts, floods, pests, and diseases.

Instead of covering specific damages, payouts are based on the actual yield levels compared to an agreed benchmark or average historical yield.

• 🌾 Crop Yield Insurance: Provides coverage if the actual harvested crop is lower than the historical average due to natural calamities.
• 🐄 Livestock Yield Insurance: Protects farmers against financial losses due to reduced milk, meat, or egg production.
• 🌱 Agricultural Yield Index Insurance: Uses satellite and government data to measure yield loss and trigger payouts.
• 💰 Revenue-Based Yield Insurance: Provides financial protection if both yield and market price drop, ensuring stable farm income.
• 🍏 Fruit & Vegetable Yield Insurance: Covers loss of fruits and vegetables due to unexpected weather conditions.

• ✔ Protects Farmers' Income: Ensures financial security even in cases of poor harvest.
• ✔ Data-Driven Payouts: Uses government and satellite data to determine yield loss.
• ✔ Encourages Agricultural Investment: Farmers can confidently invest in better seeds, fertilizers, and irrigation.
• ✔ Flexible & Scalable: Suitable for small farmers as well as large agribusinesses.
• ✔ Supports Food Security: Prevents financial crises for farmers, ensuring consistent food production.

The claim process is simple and transparent:

1. Government & Satellite Monitoring: Yield data is collected from agricultural agencies and satellite records.
2. Threshold Comparison: The actual yield is compared to the historical or insured benchmark.
3. Trigger Event: If the yield falls below the insured level, a payout is triggered automatically.
4. Verification & Approval: Authorities cross-check data, and if valid, claims are approved.
5. Payout: The compensation is deposited into the farmer’s **bank account, JazzCash, or EasyPaisa** within 7-10 working days.