These individuals are known for their hard work, patience, resilience. They wear less, toils their sweat, work more with minimal infrastructure, gambles with monsoons, and gives their best to see everybody in the country is fed. They by their perseverance raised the India from food deficit country to food surplus country. The individual whom we are referring to is none other than our great Indian farmer.Agriculture is weather sensitive and hence it is the greatest adversary for Indian farmer. Farmers frequently face floods, drought, pests, disease, and a plethora of other natural disasters. But farming is inevitable for the man’s existence, hence despite all odds, farming has been in existence since the caveman turned his spear in for a hoe. Farming has come a long way since then; nevertheless; farmers are still at the mercy of the rains. To mitigate the risks involved in agriculture, many measures were taken from time immemorial by the successive governments. They tried to develop the irrigation system, quality seeds, fertilizers, pesticides, crop insurance, etc. But unfortunately none of the measures were completely implemented, for example; the Crop insurance is a risk management tool that farmers can protect themselves against the adversity. The Government of India as early as 1972 initiated the administered insurance schemes. But the lack of political and bureaucratic will failed the nobler scheme leaving the farmer to his fate. By 2010-11, National Agriculture Insurance Scheme is covering only 15 percent of farm households. The remaining 85% of farmers were excluded from the benefits of NAIS. More over only few crops like paddy, wheat and groundnut took the major chunk of insurance and rest of the crops are either excluded or given less priority
