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Aquaculture Insurance Icon

Aquaculture Insurance
Shrimp & Prawn Farming Cover

India’s most trusted aquaculture insurance — shrimp insurance and prawn insurance covering White Spot Disease (WSSV), cyclone, flood, summer kill, vibriosis, IMN, EHP and all major disease outbreaks. PM-MKSSY 50% subsidy on prawn insurance premium available for eligible farmers.
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WSSV, IMN, EHP & Disease Outbreak Cover
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Cyclone, Flood & Summer Kill Coverage
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PM-MKSSY 50% Shrimp Insurance Subsidy Available
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What is Aquaculture Insurance in India?

Aquaculture insurance — also known as shrimp insurance, prawn insurance, or shrimp farm insurance — is a specialised agricultural insurance product that compensates aquaculture farmers for financial losses caused by disease outbreaks, natural calamities, and environmental hazards. India is the world’s second-largest shrimp exporter, and aquaculture is a critical livelihood for coastal farming communities in Andhra Pradesh, Odisha, Gujarat, Tamil Nadu, West Bengal, and Kerala. A single disease outbreak — particularly White Spot Syndrome Virus (WSSV) — can wipe out an entire crop within 48–72 hours, causing losses of several lakhs per hectare.

The Government of India supports aquaculture insurance through the Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY) and the Pradhan Mantri Matsya Sampada Yojana (PMMSY), which provide up to 50% subsidy on shrimp insurance premium for eligible farmers. The National Fisheries Development Board (NFDB) also promotes aquaculture insurance incentives. TropoGo helps shrimp and prawn farmers across India — including shrimp insurance in Andhra Pradesh, shrimp insurance in Odisha, and all other coastal states — compare aquaculture insurance quotes, understand subsidy eligibility, and buy shrimp insurance online.

Did you know?

India exported 7.76 lakh metric tonnes of shrimp worth over ₹50,000 crore in FY2023–24, making it the single largest export commodity in the fisheries sector. Yet less than 5% of aquaculture farmers in India have insurance coverage. A White Spot Disease (WSSV) outbreak — the most devastating shrimp disease — can cause 100% crop loss in a pond within days. Shrimp farm insurance premium for a 1-hectare pond typically starts at ₹4,000–₹8,000 per crop cycle after subsidy — one of the most affordable risk management tools available to coastal farmers.

Government Aquaculture Insurance Schemes & Subsidies

India has multiple government-backed schemes that provide subsidies on shrimp insurance premium and prawn crop insurance cost. Understanding these is essential before you buy shrimp insurance online.

🐠 PM-MKSSY Shrimp Insurance

Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY) provides a 50% subsidy on prawn insurance premium for small and marginal aquaculture farmers. The scheme covers shrimp, prawn, and fish farmers in designated coastal states. Eligible farmers can avail PM-MKSSY shrimp insurance through empanelled insurers with the government bearing half the premium cost.

🌊 PMMSY Aquaculture Insurance

Pradhan Mantri Matsya Sampada Yojana (PMMSY) promotes sustainable and responsible aquaculture development. Under PMMSY, aquaculture insurance is a supported component — state fisheries departments facilitate insurance linkages for beneficiaries. PMMSY aquaculture insurance benefits are available in all major coastal and inland aquaculture states.

🏛️ NFDB Aquaculture Insurance Incentive

The National Fisheries Development Board (NFDB) provides aquaculture insurance incentives through financial assistance for premium payment. NFDB-registered farmers and farmer producer organisations (FPOs) in fisheries can access subsidised prawn insurance through NFDB-empanelled insurance companies including New India Assurance and National Insurance Company.

🏦 State Government Schemes

Several state governments run their own aquaculture insurance support programmes. Andhra Pradesh, Odisha, West Bengal, and Gujarat offer additional state-level subsidies on top of central subsidies for shrimp insurance. Check with your district fisheries office for state-specific aquaculture insurance near me programmes.

🏢 New India Assurance Prawn Insurance

New India Assurance prawn insurance is one of the most widely available public sector aquaculture insurance products in India. It covers shrimp and prawn crop losses due to disease, natural calamities, and environmental factors under a standardised policy structure approved by IRDAI.

🏢 National Insurance Company Shrimp Scheme

National Insurance Company shrimp scheme offers crop insurance for marine shrimp and freshwater prawn farmers. The scheme is implemented through district-level fisheries offices and cooperative banks. Coverage includes disease outbreaks, natural disasters, and environmental mortality events.
How to Access Shrimp Insurance Subsidy

To avail the 50% subsidy on shrimp insurance premium under PM-MKSSY or PMMSY: Register with your district fisheries department, obtain a fisheries ID, apply through your nearest bank or empanelled insurer, and submit pond registration details, stocking records, and Aadhaar-linked bank account. TropoGo helps farmers navigate subsidy eligibility and connect with empanelled insurers for low-cost aquaculture insurance.

What Does Aquaculture Insurance Cover?

A comprehensive shrimp farm insurance policy covers crop losses from disease outbreaks, natural calamities, and environmental hazards. Here is a detailed breakdown of aquaculture insurance coverage:

🦠 White Spot Disease (WSSV)

Insurance for White Spot Disease in shrimp — WSSV crop loss coverage — is the most critical benefit of aquaculture insurance. White Spot Syndrome Virus is the most devastating shrimp pathogen globally, capable of causing 100% crop mortality within 3–10 days of outbreak. WSSV is a notifiable disease and triggers immediate claim settlement under most aquaculture insurance policies.

🧬 IMN & EHP Disease Cover

IMN and EHP shrimp insurance covers Infectious Myonecrosis (IMN) and Enterocytozoon hepatopenaei (EHP) — two emerging and economically devastating shrimp diseases. EHP causes stunted growth and massive production losses without visible mortality, making it particularly insidious. Insurance coverage for IMN and EHP is now available under select aquaculture insurance policies.

💧 Vibriosis Outbreak Insurance

Vibriosis outbreak insurance covers crop losses due to bacterial Vibrio infections — including V. harveyi, V. parahaemolyticus (EMS/AHPND) — which cause Early Mortality Syndrome and acute hepatopancreatic necrosis disease in shrimp. Vibriosis is a major cause of early crop failure, particularly in the first 30–45 days post-stocking.

🌀 Cyclone & Storm Surge

Shrimp farm cyclone insurance covers physical damage to pond infrastructure (dykes, aerators, sluice gates, pump houses) and crop losses due to cyclonic storms and storm surge inundation. Critical for coastal farms in Odisha, Andhra Pradesh, and Tamil Nadu which face annual cyclone threats from the Bay of Bengal.

🌊 Flood & Inundation

Aquaculture flood damage coverage compensates for crop losses when pond embankments are breached by flood waters, causing shrimp to escape or die from sudden changes in water quality. Covers both freshwater flood inundation and tidal surge events in coastal ponds.

☀️ Summer Kill

Summer kill insurance for prawns covers mass mortality events caused by extreme heat, dissolved oxygen crashes, and thermal stress during summer months (March–June). Summer kills are a major risk in inland aquaculture ponds in Andhra Pradesh, Telangana, and Odisha during peak summer.

💀 Toxic Algal Bloom

Mortality caused by harmful algal blooms (HABs) — including cyanobacteria, dinoflagellates, and diatom blooms — which deplete dissolved oxygen or produce toxic compounds lethal to shrimp. Common during monsoon transition periods and in ponds with poor water management.

🌧️ Lightning & Natural Perils

Direct crop mortality and farm infrastructure damage caused by lightning strikes, earthquakes, landslides, and other natural perils listed in the policy schedule. Coverage for infrastructure includes aerator motors, pump sets, electrical equipment, and pond liners.

Shrimp Insurance Premium Calculator & Eligibility Rules

Prawn crop insurance cost depends on several farm-specific parameters. Understanding aquaculture insurance rules — including stocking density, biosecurity requirements, and water quality monitoring — is essential before you apply.
ParameterStandard CoverEnhanced / Higher Premium
SpeciesLitopenaeus vannamei (Whiteleg shrimp)Penaeus monodon (Black Tiger), freshwater prawn (M. rosenbergii)
Stocking DensityUp to 25–40 PL/m² (semi-intensive)40–80+ PL/m² (intensive) — higher disease risk, higher premium
Pond Size0.2–2 hectares per pondLarger farms eligible for group/portfolio policies
Culture Period90–120 day crop cycleExtended cycles and year-round production farms
Biosecurity LevelBasic biosecurity (fencing, entry protocol)Enhanced biosecurity with SPF seed and PCR testing — lower premium possible
Water Quality MonitoringDaily DO, pH, salinity records maintainedAutomated IoT sensors with digital logs — preferred by insurers
Seed SourceMPEDA-certified hatchery, SPF seedNon-certified seed — may be excluded or attract loading
Location / ZoneInland brackish water pondsHigh-risk cyclone zones (Odisha coast, AP delta) — higher premium
Indicative Shrimp Farm Insurance Premium (FY2025–26)

Gross premium: 4%–8% of sum insured per crop cycle • After 50% PM-MKSSY subsidy: effective farmer premium 2%–4% • For a 1-hectare L. vannamei pond stocked at 30 PL/m² with projected crop value ₹8 lakh: gross premium ~₹40,000–₹64,000; after subsidy ~₹20,000–₹32,000 • Prawn crop insurance cost per hectare varies by state, insurer, and disease risk profile. Contact TropoGo for a personalised aquaculture insurance quote.

How to Claim Aquaculture Insurance in India

Speed is critical in aquaculture insurance claims — especially for disease outbreaks like WSSV which cause total crop loss within days. Follow these steps immediately upon detecting crop loss:
1
Intimate Insurer Within 24–48 HoursCall your insurer’s 24×7 helpline immediately upon detecting abnormal mortality or crop loss. For WSSV and acute disease outbreaks, do NOT remove dead shrimp from the pond before the surveyor’s inspection — evidence preservation is critical for claim admissibility.
2
Collect Water Quality & Disease EvidenceDocument water quality parameters (DO, pH, salinity, temperature, ammonia) at the time of mortality. Collect shrimp samples for disease diagnosis — PCR testing for WSSV, IMN, EHP, or Vibrio is required to confirm the cause of loss. Send samples to an MPEDA or CIBA-approved diagnostic laboratory.
3
Surveyor & Laboratory InspectionThe insurer appoints a licensed aquaculture surveyor to inspect the pond, assess the mortality, and collect independent samples. PCR-confirmed diagnosis from a certified lab is typically required for disease-related claims (WSSV, IMN, EHP, vibriosis).
4
Submit Claim DocumentsSubmit all required documents including stocking records, feed purchase invoices, water quality logs, disease diagnosis report, and the filled claim form within the stipulated time (typically 7–15 days from the date of crop loss).
5
Claim SettlementPost surveyor approval, the loss quantum is calculated based on the stocked biomass, survival rate, and market rate at the time of loss. Claim amount is credited directly to the farmer’s Aadhaar-linked bank account — typically within 15–30 days of final documentation.
Documents Required for Aquaculture Insurance Claim

📋 Claim Form

Duly filled and signed claim form submitted to the insurer within 24–48 hours of detecting mortality. For WSSV claims, time of intimation is closely scrutinised — early intimation is critical.

🧬 PCR Disease Report

PCR diagnosis report from an MPEDA-approved or CIBA-approved laboratory confirming WSSV, IMN, EHP, or Vibrio infection. This is the primary evidence for disease-related claims. Must be obtained within 24–72 hours of onset.

📊 Stocking Records

Post-larvae (PL) purchase invoice from a certified hatchery, stocking date and density records, seed quality certificate (SPF certificate), and pond registration document. These establish the insured biomass and stocking density rules compliance.

💧 Water Quality Logs

Daily water quality monitoring records (DO, pH, salinity, temperature, ammonia, nitrite) maintained from stocking date to loss date. Water quality monitoring for insurance claims is a mandatory requirement — absence of logs can lead to claim rejection.

🧾 Feed & Input Invoices

Feed purchase invoices, probiotic and feed additive records, and medicine purchase receipts to establish the cost of production and the value of the lost crop. These help quantify the actual crop investment.

🪪 KYC & Policy Documents

Aadhaar card, fisheries registration certificate, pond registration document, aquaculture insurance policy, and Aadhaar-linked bank account for claim settlement. Farmers registered under PM-MKSSY must also provide their scheme beneficiary ID.

State-Wise Aquaculture Insurance & Biosecurity Requirements

Aquaculture insurance availability, subsidy levels, and biosecurity for shrimp farming insurance requirements vary by state. Here is what shrimp and prawn farmers need to know in key aquaculture states:

🌊 Andhra Pradesh

India’s largest shrimp producing state. Shrimp insurance in Andhra Pradesh is widely available under PM-MKSSY and through New India Assurance and National Insurance Company. Krishna, Guntur, and West Godavari districts have high insurance penetration. AP farmers benefit from additional state-level subsidy on aquaculture insurance premium.

🌀 Odisha

Shrimp insurance in Odisha is critical given the state’s high cyclone exposure (Bay of Bengal). Chilika Lake aquaculture and coastal shrimp farms in Puri, Kendrapara, and Jagatsinghpur districts are eligible for PM-MKSSY subsidised insurance. Shrimp farm cyclone insurance is the most sought-after cover in Odisha.

🐟 Gujarat

Gujarat has rapidly expanded its L. vannamei shrimp farming in Saurashtra and South Gujarat. Shrimp farm insurance in Gujarat covers cyclone risk from Arabian Sea systems and disease outbreak cover. Compare aquaculture insurance quotes from empanelled insurers for Gujarat farms through TropoGo.

🌿 West Bengal

Tiger prawn (P. monodon) and freshwater prawn (M. rosenbergii) farming in the Sundarbans and South 24 Parganas. Prawn insurance for Sundarbans farmers is available under PMMSY with cyclone and salinity intrusion cover. West Bengal fisheries department facilitates group insurance for prawn farmers.

🛡️ Biosecurity for Shrimp Farming Insurance

Insurers require minimum biosecurity for shrimp farming insurance compliance: perimeter fencing, bird netting, foot bath at pond entry, SPF certified seed from licensed hatchery, zero-exchange or minimum-exchange water management, and PCR testing at stocking. Farms meeting higher biosecurity standards may qualify for reduced premiums.

📡 IoT & Digital Farm Management

Farms using automated water quality sensors (DO meters, pH sensors, temperature loggers) with digital data recording are increasingly favoured by insurers. Real-time water quality monitoring for insurance claims provides tamper-proof evidence and accelerates claim settlement. TropoGo partners connect with aqua-tech platforms for integrated farm management and insurance.

What is NOT Covered in Aquaculture Insurance?

Knowing exclusions is critical to avoid claim rejection. These are the most common reasons aquaculture insurance claims are rejected in India:

🚫 Non-Certified or Illegal Seed

Shrimp stocking density insurance rules require use of SPF (Specific Pathogen Free) certified post-larvae from MPEDA-licensed hatcheries. Claims are rejected if non-certified or smuggled seed is used. Seed purchase invoices from licensed hatcheries are mandatory claim documents.

🚫 Stocking Density Violations

Stocking at densities higher than the insured/approved limit voids coverage. Most policies set maximum stocking limits (e.g., 40 or 60 PL/m²). Overstocking increases disease risk and is treated as a material change in risk — a ground for claim rejection.

🚫 Poor Water Quality Management

Claims arising from negligent water quality management — failure to maintain aeration, exchange water when required, or address algal bloom warnings — may be rejected as “preventable losses.” Water quality monitoring for insurance claims is mandatory — absence of daily records is a red flag.

🚫 Delayed Intimation

Failure to intimate the insurer within 24–48 hours of detecting abnormal mortality is one of the most common grounds for claim rejection. Delayed intimation means the surveyor cannot inspect the pond with live evidence — significantly weakening the claim.

🚫 Theft & Poaching

Loss of shrimp or prawn due to theft, poaching, or deliberate drainage of ponds by third parties is not covered under standard aquaculture insurance. Separate business crime or property insurance is needed for theft protection.

🚫 Market Price Risk

Losses arising from falling market prices for shrimp or prawn are not covered. Aquaculture insurance covers only physical crop loss — disease mortality, natural calamity, and environmental hazards. Price risk management requires separate financial hedging instruments.
Why Choose TropoGo for Aquaculture Insurance?
We are India’s fastest-growing digital insurance intermediary — making it simple to compare aquaculture insurance quotes, buy shrimp insurance online, and manage your farm policy in one place.
🏆
Best Aquaculture Insurance in India — Curated for You
TropoGo works with IRDAI-licensed and NFDB-empanelled insurers including New India Assurance, National Insurance Company, Oriental Insurance, United India, and specialised aquaculture insurance providers — giving shrimp and prawn farmers genuine choice and transparent premium pricing.
Compare Aquaculture Insurance Quotes Instantly
Compare aquaculture insurance quotes from the best prawn insurance company partners in India and multiple empanelled insurers side by side. Understand PM-MKSSY subsidy eligibility, coverage scope, and net premium after subsidy — all in one place.
Dedicated Aquaculture Insurance Experts
Our team understands shrimp stocking density insurance rules, biosecurity requirements, PCR testing for claims, PM-MKSSY subsidy processes, and how to maximise your aquaculture insurance claim.
End-to-End Claim Support
From lodging your claim to coordinating with surveyors and following up for settlement, we stand by you at every step.
Buy Shrimp Insurance Online — Fast & Guided
Buy shrimp insurance online or through TropoGo’s field network. Submit pond registration, stocking records, and KYC documents digitally. Our aquaculture insurance advisors assist you through every step — from enrolment to claim.
Protect your shrimp and prawn harvest with the right aquaculture insurance from India’s best insurers
After PM-MKSSY 50% subsidy, shrimp farm insurance premium starts at just ₹20,000–₹30,000 per hectare per crop cycle. One WSSV outbreak without insurance can mean total loss. Protect your farm today.
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Frequently Asked Questions

What is aquaculture insurance and why do shrimp farmers need it?

Aquaculture insurance — also called shrimp insurance or prawn insurance — compensates farmers for financial losses caused by disease outbreaks (WSSV, IMN, EHP, vibriosis), natural calamities (cyclone, flood), and environmental hazards (summer kill, algal bloom). India is the world’s second-largest shrimp exporter but less than 5% of farmers have insurance. A single WSSV outbreak can cause 100% crop loss within days. Shrimp farm insurance premium after PM-MKSSY subsidy starts at ₹20,000–₹30,000 per hectare — essential protection given the ₹5–15 lakh investment per hectare per crop cycle.

What is PM-MKSSY shrimp insurance and how do I get the 50% subsidy?

Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY) provides a 50% subsidy on prawn insurance premium for eligible small and marginal aquaculture farmers. To access the subsidy: register with your district fisheries department, obtain a fisheries ID and pond registration, approach an empanelled insurer (New India Assurance, National Insurance Company, or others) or apply through TropoGo. Submit stocking records, Aadhaar-linked bank details, and pond area documentation. The subsidy amount is credited directly to your account or adjusted against premium.

Does aquaculture insurance cover White Spot Disease (WSSV)?

Yes — insurance for White Spot Disease in shrimp (WSSV crop loss coverage) is the primary benefit of aquaculture insurance in India. WSSV is a notifiable disease and its outbreak triggers claim settlement under most policies. To make a successful WSSV claim: intimate the insurer within 24–48 hours of detecting mortality, do NOT remove dead shrimp before surveyor inspection, and get PCR confirmation from an MPEDA or CIBA-approved laboratory. Water quality logs and stocking records must be up to date.

What diseases are covered under shrimp insurance in India?

Standard aquaculture insurance covers major notified shrimp diseases including: White Spot Syndrome Virus (WSSV), Infectious Myonecrosis (IMN), Enterocytozoon hepatopenaei (EHP), Early Mortality Syndrome (EMS/AHPND caused by Vibrio parahaemolyticus), vibriosis outbreak, Taura Syndrome Virus (TSV), and Yellow Head Virus (YHV). Coverage for individual diseases varies by insurer and policy — always check the disease schedule in your aquaculture insurance policy. TropoGo can help you compare shrimp farming insurance with the broadest disease coverage.

What are the biosecurity requirements for shrimp insurance eligibility?

Biosecurity for shrimp farming insurance eligibility typically requires: use of SPF (Specific Pathogen Free) certified seed from MPEDA-licensed hatcheries, perimeter fencing and bird netting, foot bath at pond entry points, minimum water exchange protocol, daily water quality monitoring records (DO, pH, salinity, ammonia), and PCR testing at stocking. Farms that maintain higher biosecurity standards may qualify for reduced premium rates. Insurers may conduct pre-stocking farm inspection to verify biosecurity compliance before issuing the policy.

How do I compare aquaculture insurance quotes in India?

To compare aquaculture insurance and find low-cost aquaculture insurance: contact TropoGo, provide your pond area, species, stocking density, location, and projected crop value. TropoGo is among the best prawn insurance company partners in India — compares quotes from New India Assurance prawn insurance, National Insurance Company shrimp scheme, and other empanelled insurers. Key factors to compare: diseases covered, exclusions, per-hectare premium, claim process speed, surveyor network in your district, and subsidy eligibility under PM-MKSSY or NFDB aquaculture insurance incentive programmes.

Is aquaculture insurance available for freshwater prawn farming?

Yes — aquaculture insurance is available for freshwater prawn farming, including Macrobrachium rosenbergii (giant freshwater prawn) and M. nipponense (oriental river prawn). Coverage for freshwater prawn includes disease outbreaks (bacterial and viral), flood inundation, and summer kill. Premium rates for freshwater prawn insurance are generally lower than marine shrimp due to lower disease intensity. West Bengal, Andhra Pradesh, and Odisha have the highest freshwater prawn insurance uptake in India.

What documents are required for an aquaculture insurance claim in India?

Documents required for an aquaculture insurance claim: filled claim form (submitted within 24–48 hours of mortality), PCR disease diagnosis report from MPEDA or CIBA-approved lab, stocking records and SPF seed purchase invoice from certified hatchery, daily water quality monitoring logs from stocking to loss date, feed and input purchase invoices, photographs and video of mortality, surveyor inspection report, pond registration document, and Aadhaar-linked bank account details. Water quality monitoring for insurance claims is mandatory — absence of logs is a common claim rejection reason.

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