This covers rainfall deficient at critical stages where the respective crop requires it. These stages are germination, vegetative, reproduction and maturity. It also covers rainfall excess in the same stages as each crop has its rainfall maximum requirements. The index is a proxy that is designed to monitor the rainfall as compared to the previous 30 years rainfall pattern. This rainfall data comes from satellite.

Benefits

• Insured farms have greater access to agriculture credit since a crop policy document is accepted by financing institutions as alternative form of security.
  
• Insurance cushions farmers against losses by acting as a fall back in the event of a bad crop season.
  
• Crop insurance is a finance innovation that stimulates investments in agriculture sector through increased access to funding and motivation to all stake holders.