Farmers who grow notified crops in notifed areas and who avail seasonal agriculture operations loans from financial institutions (i.e. Farmers who have borrowed loans regarding agriculture from financial institutions) are compulsarily covered by this scheme and they do not need to apply. The farmers who are non-loanee (who do not or have not borrowed loan from financial institution for agriculture operations) may apply to AIC Ltd. and pay premoum for notified crop to nodal bank of concern.