e. All farmers can change the name of insured crop up to 2 working days before cut-off date for enrolment subject to terms & conditions and provisions mentioned in Operational Guidelines of Revamped R-WBCIS. It is mandatory to upload the farmer coverage on the National Portal www.pmfby.gov.in by the concerned Financial Institutions / intermediaries 2. Season Insurance coverage under the scheme would be provided for Apple, Mango, Citrus, Plum & Peach fruit crops for the Rabi season 2020-21, 2021-22 & 2022-23. 3. Crops to be covered The Apple, Mango, Citrus, Plum & Peach fruit crops of trees in age category >5 years of age are to be covered during Rabi 2020-21, 2021-22 & 2022-23 seasons in the areas mentioned in the point no. 5 below. 4. Implementing Agencies On the basis of online tender process completion and the weighted average mean of premium quoted by each company for all the fruit crops in a district Iffco-Tokio GIC Ltd., HDFC Ergo GIC Ltd. and Agriculture Insurance Company of India Ltd. has been allocated cluster I, II & III respectively. The fruit wise term sheets describing insurance covers with risk period, weather parameters/strikes/triggers and corresponding pay-out/sum- insured and premium payable etc. for Rabi season 2020-21, 2021-22 & 2022- 23 are attached at Annexure-1 to 32. 5. Area approach The scheme shall operate on the principle of “Area Approach” in selected notified Reference Unit Areas. Area Approach signifies that a Reference Unit Area shall be considered as a unit area of insurance for the purpose of acceptance of risk and assessment of compensation as well. Therefore, all insured cultivators of a notified crop in the notified Reference Unit Area shall be deemed to be at par so far as their terms of insurance coverage and assessment of compensation are concerned. 2 Cluster-wise Districts, Crops RUAs and risk period are mentioned hereunder: Rabi Season 2020-21 Cluster-1: Allotted to Iffco-Tokio General Insurance Company Ltd. District Crop Reference Unit Area (RUA) (Dev. Blocks) Insurance Cover Period Apple Nagar, Kullu, Nirmand, Ani, & Banjar 21-12-2020 to 31-07-2021 Kullu Plum Naggar, Kullu, Banjar 01-03-2021 to 31-05-2021 Mango Sadar, Ghumarwin & Jhandutta 21-12-2020 to 30-06-2021 Bilaspur Citrus Jhandutta 15-02-2021 to 30-06-2021 Tissa, Salooni, Chamba, Bharmour, Mehla 21-12-2020 to 31-07-2021 Apple and Pangi Chamba Mango Bhatiyat 21-12-2020 to 30-06-2021 Plum Chamba 01-03-2021 to 31-05-2021 Hamirpur, Nadaun, Bamson, Bihjri, Bhoranj & 21-12-2020 to 30-06-2021 Hamirpur Mango Sujanpur Cluster-II: Allotted to HDFC-ERGO General Insurance Company Ltd. District Crop Reference Unit Area (RUA) (Dev. Blocks) Insurance Cover Period Apple Baijnath 21-12-2020 to 31-07-2021 Baijnath, Dehra, Lambagaon, Pragpur, 21-12-2020 to 30-06-2021 Panchrukhi, Kangra, Bhawarna, Rait, Mango Kangra Nagrota-Bagwan, Sulah, Nagrota- Suriyan, Nurpur, Fatehpur, Indora Nagrota-Surian, Fatehpur, Indora, Pragpur, 15-02-2021 to 30-06-2021 Citrus Nurpur & Dehra Kinnaur Apple Nichar, Kalpa, Pooh 21-12-2020 to 31-07-2021 Lahaul & Lahaul , Spiti 21-12-2020 to 31-07-2021 Apple Spiti Karsog, Seraj (Janjehalli), Gohar, 21-12-2020 to 31-07-2021 Apple Sundernagar, Sadar (Mandi), Dharampur, Gopalpur, Darang, Balh and Chauntra Mandi Mango Sundernagar, Balh 21-12-2020 to 30-06-2021 Plum Sadar, Gohar, Balh and Sundernagar 01-03-2021 to 31-05-2021 Peach Sadar (Mandi) 01-03-2021 to 30-06-2021 Cluster-III: Allotted to Agriculture Insurance Company of India Ltd. District Crop Reference Unit Area (RUA) (Dev. Blocks) Insurance Cover Period Theog, Jubbal Kotkhai, Mashobra, Nankhari, 21-12-2020 to 31-07-2021 Apple Rohru, Chuahara (Chirgaon), Narkanda, Rampur, Basantpur, Chopal Shimla Mango Mashobra, Basantpur & Narkanda 21-12-2020 to 30-06-2021 Plum Rampur 01-03-2021 to 31-05-2021 Apple Sangrah, Rajgarh, Shillai 21-12-2020 to 31-07-2021 Mango Paonta Sahib & Nahan 21-12-2020 to 30-06-2021 Nahan, Poanta-Sahib, Pachhad 15-02-2021 to 30-06-2021 Sirmour Citrus Plum Sangrah, Pachhad, Rajgarh 01-03-2021 to 31-05-2021 Peach Rajgarh, Pachhad 01-03-2021 to 30-06-2021 Apple Kandaghat, Solan 21-12-2020 to 31-07-2021 Mango Nalagarh, Dharampur, Kunihar 21-12-2020 to 30-06-2021 Solan Citrus Solan, Kandaghat & Kunihar 15-02-2021 to 30-06-2021 Plum Kandaghat, Solan 01-03-2021 to 31-05-2021 Peach Solan, Kandaghat 01-03-2021 to 30-06-2021 Mango Amb, Gagret, Una, Haroli, Bangana 21-12-2020 to 30-06-2021 Una Citrus Una, Amb, Gagret, Bangana Haroli 15-02-2021 to 30-06-2021 3 Rabi Season 2021-22 Cluster-1: Allotted to Iffco-Tokio General Insurance Company Ltd. District Crop Reference Unit Area (RUA) (Dev. Blocks) Insurance Cover Period Apple Nagar, Kullu, Nirmand, Ani, & Banjar 21-12-2021 to 31-07-2022 Kullu Plum Naggar, Kullu, Banjar 01-03-2022 to 31-05-2022 Mango Sadar, Ghumarwin & Jhandutta 21-12-2021 to 30-06-2022 Bilaspur Citrus Jhandutta 15-02-2022 to 30-06-2022 Tissa, Salooni, Chamba, Bharmour, Mehla 21-12-2021 to 31-07-2022 Apple and Pangi Chamba Mango Bhatiyat 21-12-2021 to 30-06-2022 Plum Chamba 01-03-2021 to 31-05-2022 Hamirpur, Nadaun, Bamson, Bihjri, Bhoranj & 21-12-2021 to 30-06-2022 Hamirpur Mango Sujanpur Cluster-II: Allotted to HDFC-ERGO General Insurance Company Ltd. District Crop Reference Unit Area (RUA) (Dev. Blocks) Insurance Cover Period Apple Baijnath 21-12-2021 to 31-07-2022 Baijnath, Dehra, Lambagaon, Pragpur, 21-12-2021 to 30-06-2022 Panchrukhi, Kangra, Bhawarna, Rait, Mango Kangra Nagrota-Bagwan, Sulah, Nagrota- Suriyan, Nurpur, Fatehpur, Indora Nagrota-Surian, Fatehpur, Indora, Pragpur, 15-02-2022 to 30-06-2022 Citrus Nurpur & Dehra Kinnaur Apple Nichar, Kalpa, Pooh 21-12-2021 to 31-07-2022 Lahaul & Lahaul , Spiti 21-12-2021 to 31-07-2022 Apple Spiti Karsog, Seraj (Janjehalli), Gohar, 21-12-2021 to 31-07-2022 Apple Sundernagar, Sadar (Mandi), Dharampur, Gopalpur, Darang, Balh and Chauntra Mandi Mango Sundernagar, Balh 21-12-2021 to 30-06-2022 Plum Sadar, Gohar, Balh and Sundernagar 01-03-2022 to 31-05-2022 Peach Sadar (Mandi) 01-03-2022 to 30-06-2022 Cluster-III: Allotted to Agriculture Insurance Company of India Ltd. District Crop Reference Unit Area (RUA) (Dev. Blocks) Insurance Cover Period Theog, Jubbal Kotkhai, Mashobra, Nankhari, 21-12-2021 to 31-07-2022 Apple Rohru, Chuahara (Chirgaon), Narkanda, Rampur, Basantpur, Chopal Shimla Mango Mashobra, Basantpur & Narkanda 21-12-2021 to 30-06-2022 Plum Rampur 01-03-2022 to 31-05-2022 Apple Sangrah, Rajgarh, Shillai 21-12-2021 to 31-07-2022 Mango Paonta Sahib & Nahan 21-12-2021 to 30-06-2022 Nahan, Poanta-Sahib, Pachhad 15-02-2022 to 30-06-2022 Sirmour Citrus Plum Sangrah, Pachhad, Rajgarh 01-03-2022 to 31-05-2022 Peach Rajgarh, Pachhad 01-03-2022 to 30-06-2022 Apple Kandaghat, Solan 21-12-2021 to 31-07-2022 Mango Nalagarh, Dharampur, Kunihar 21-12-2021 to 30-06-2022 Solan Citrus Solan, Kandaghat & Kunihar 15-02-2022 to 30-06-2022 Plum Kandaghat, Solan 01-03-2022 to 31-05-2022 Peach Solan, Kandaghat 01-03-2022 to 30-06-2022 Mango Amb, Gagret, Una, Haroli, Bangana 21-12-2021 to 30-06-2022 Una Citrus Una, Amb, Gagret, Bangana Haroli 15-02-2022 to 30-06-2022 4 Rabi Season 2022-23 Cluster-1: Allotted to Iffco-Tokio General Insurance Company Ltd. District Crop Reference Unit Area (RUA) (Dev. Blocks) Insurance Cover Period Apple Nagar, Kullu, Nirmand, Ani, & Banjar 21-12-2022 to 31-07-2023 Kullu Plum Naggar, Kullu, Banjar 01-03-2023 to 31-05-2023 Mango Sadar, Ghumarwin & Jhandutta 21-12-2022 to 30-06-2023 Bilaspur Citrus Jhandutta 15-02-2023 to 30-06-2023 Tissa, Salooni, Chamba, Bharmour, Mehla 21-12-2022 to 31-07-2023 Apple and Pangi Chamba Mango Bhatiyat 21-12-2022 to 30-06-2023 Plum Chamba 01-03-2022 to 31-05-2023 Hamirpur, Nadaun, Bamson, Bihjri, Bhoranj & 21-12-2022 to 30-06-2023 Hamirpur Mango Sujanpur Cluster-II: Allotted to HDFC-ERGO General Insurance Company Ltd. District Crop Reference Unit Area (RUA) (Dev. Blocks) Insurance Cover Period Apple Baijnath 21-12-2022 to 31-07-2023 Baijnath, Dehra, Lambagaon, Pragpur, 21-12-2022 to 30-06-2023 Panchrukhi, Kangra, Bhawarna, Rait, Mango Kangra Nagrota-Bagwan, Sulah, Nagrota- Suriyan, Nurpur, Fatehpur, Indora Nagrota-Surian, Fatehpur, Indora, Pragpur, 15-02-2023 to 30-06-2023 Citrus Nurpur & Dehra Kinnaur Apple Nichar, Kalpa, Pooh 21-12-2022 to 31-07-2023 Lahaul & Lahaul , Spiti 21-12-2022 to 31-07-2023 Apple Spiti Karsog, Seraj (Janjehalli), Gohar, 21-12-2022 to 31-07-2023 Apple Sundernagar, Sadar (Mandi), Dharampur, Gopalpur, Darang, Balh and Chauntra Mandi Mango Sundernagar, Balh 21-12-2022 to 30-06-2023 Plum Sadar, Gohar, Balh and Sundernagar 01-03-2023 to 31-05-2023 Peach Sadar (Mandi) 01-03-2023 to 30-06-2023 Cluster-III: Allotted to Agriculture Insurance Company of India Ltd. District Crop Reference Unit Area (RUA) (Dev. Blocks) Insurance Cover Period Theog, Jubbal Kotkhai, Mashobra, Nankhari, 21-12-2022 to 31-07-2023 Apple Rohru, Chuahara (Chirgaon), Narkanda, Rampur, Basantpur, Chopal Shimla Mango Mashobra, Basantpur & Narkanda 21-12-2022 to 30-06-2023 Plum Rampur 01-03-2023 to 31-05-2023 Apple Sangrah, Rajgarh, Shillai 21-12-2022 to 31-07-2023 Mango Paonta Sahib & Nahan 21-12-2022 to 30-06-2023 Nahan, Poanta-Sahib, Pachhad 15-02-2023 to 30-06-2023 Sirmour Citrus Plum Sangrah, Pachhad, Rajgarh 01-03-2023 to 31-05-2023 Peach Rajgarh, Pachhad 01-03-2023 to 30-06-2023 Apple Kandaghat, Solan 21-12-2022 to 31-07-2023 Mango Nalagarh, Dharampur, Kunihar 21-12-2022 to 30-06-2023 Solan Citrus Solan, Kandaghat & Kunihar 15-02-2023 to 30-06-2023 Plum Kandaghat, Solan 01-03-2023 to 31-05-2023 Peach Solan, Kandaghat 01-03-2023 to 30-06-2023 Mango Amb, Gagret, Una, Haroli, Bangana 21-12-2022 to 30-06-2023 Una Citrus Una, Amb, Gagret, Bangana Haroli 15-02-2023 to 30-06-2023 5 6.