REQUIRED DOCUMENTS FOR INDIVIDUAL

BORROWING/SELF FINANCED FARMER
• Application for Crop Insurance (PCIC Pro-Forma
Individual Application) This should contain the basic
information about the farmer, the farm (e.g., planting/
harvest schedules, farm location, farm size, variety
planted, boundaries), and other details of coverage.
• Individual Farm Plan and Budget.

REQUIRED DOCUMENTS FOR BORROWING/
SELF-FINANCED FARMERS APPLYING AS A
GROUP
• Application for Crop Insurance (PCIC Pro-Forma
Group Application). This should contain the
names and addresses of borrowers/self-financed
farmers, planting/harvest schedules, farm sizes,
farm locations, adjacent lot owners/farmers, seed
varieties and signatures of the farmers/borrowers,
and other details of coverage.
• Standard Farm Plan and Budget.

WHEN TO FILE AN APPLICATION
1. For Self-Financed farmers - any day before the date
ofdirect seeding/transplanting up to thirty (30) calendar
days after direct seeding/transplanting, provided that:
• No risk insured against has occurred;
• Farms meet eligibility requirements;
• There is no imminent occurrence of calamities and
disasters or pest/disease outbreak.
2. For Borrowing farmers - Upon filing of the application
 for loan.

WHERE TO FILE AN APPLICATION
• Lending institution which provided the production
loan;
• Regional Office (RO);
• PCIC Extension Office (PEO);
• Service Desk; and
• PCIC accredited underwriting agents.

NOTICE OF DEVIATION
In case there are deviations from the FPB, or Application
for Crop Insurance, the assured farmer should file a Notice
of Deviation to the RO/PEO within ten (10) calendar days
from the actual planting date. A deviation can be a change
in any of the following:
• change in size of the actual area planted;
• change in farm location; and
• failure to plant.

CLAIM FOR INDEMNITY
In the event of loss arising from risks insured against
(such as typhoon, flood, earthquake, volcanic eruption,
hail/hailstorm or tornado), a Claim for Indemnity (CI) shall
be sent to the PCIC RO or PEO within twenty (20) calendar
days from occurrence of loss, and before the scheduled
date of harvest, provided that where the loss was caused
by any risk insured against where the onset of damage
is gradual and the full extent thereof is not immediately
apparent and determinable, said claim for indemnity
shall be filed upon the discovery of loss or damage, but
should be filed not later than 20 calendar days before the
expected date of harvest.
The claimant may file the NL thru a text message or other
forms (E-mail) to the PCIC RO/PEO and must contain
at least the name and address of the assured, type of
insurance and cause of loss, provided that a written CI
shall be submitted thereafter.

CLAIM ADJUSTMENT AND SETTLEMENT
Under a regular insurance claims situation, (wherein a
widespread calamity did not occur) claims adjustment
and verification shall be conducted, as far as practicable,
by two (2) PCIC authorized insurance adjusters. If
there is, however, an insufficient number of adjusters,
one insurance adjuster may validly conduct the claims
adjustment and verification.
Loss Categories:
• Total loss – if loss is 90% and above.
• Partial loss – if loss is more than 10% and below
90%.
• No loss – if loss is 10% or less

Amount of Indemnity- shall be based on: 
• Stage of cultivation at the time of loss; 
• Actual CPI applied or the CPI per FPB applied at
time of loss, whichever is lower;
• Percentage of yield loss; and 
• Amount of Cover.

SETTLEMENT OF CLAIM
Shall be done as quickly as possible, but not later than
twenty (20) working days from the receipt of CI.

NO-CLAIM BENEFIT
The assured is entitled to a no-claim benefit of 10% of his/
her aggregated net premiums paid during the immediately
preceding three (3) insured crop seasons if he/she has
not filed any claim for the said crop seasons.

DEATH BENEFIT
This is a built-in benefit regardless of the amount of cover.
This is equivalent to PhP10,000 per assured farmer who
died within the term of coverage, provided, he/she is not
more than eighty (80) years old at the inception of the
insurance.