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Crop Insurance Claim Calculator

Work out crop insurance claim instantly with clear inputs, formula shown and shareable results.

About Crop Insurance Claim Calculator

Area-yield crop insurance indemnifies the proportional shortfall between the threshold yield — usually a moving average of past yields times an indemnity level — and the actual yield assessed for the insurance unit, applied to the sum insured per hectare.

Formulas

Shortfall ratio

Shortfall % = (Threshold yield - Actual yield) / Threshold yield

Claim

Claim = Sum insured per hectare x Shortfall % x Insured area

Worked example

With the default values below, Crop Insurance Claim Calculator returns Estimated claim amount of $83,571.43. Change any input above and every figure here is recalculated in your browser.

Inputs used

Threshold (guaranteed) yield
2,800 kg/ha
Actual yield realised
1,900 kg/ha
Sum insured per hectare
65,000
Insured area
4 ha

Results

Estimated claim amount
$83,571.43
Claim per hectare
$20,892.86
Yield shortfall
32.14%
Total yield shortfall
3,600

Step by step

  1. 1Values used
  2. 2Shortfall ratio
  3. 3Claim
  4. 4Estimated claim amount= 83,571.43
  5. 5Claim per hectare= 20,892.86
  6. 6Yield shortfall= 32.14
  7. 7Total yield shortfall= 3,600

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.

Frequently Asked Questions

Is the claim based on my field or the whole area?

Under area-yield schemes it is based on the assessed yield for the defined insurance unit — a village or block — not your individual field.

What is the indemnity level?

The percentage of the average yield that is guaranteed, commonly 70%, 80% or 90% depending on the crop's risk classification.

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Crop Insurance Claim Calculator | Calcrivo