Indemnifies the insured the plantation input cost for total loss of apple plant and/or damage to fruit, when loss occurs due to fire and allied perils. The indemnity is the amount arrived at after applying percentage of loss to sum insured, franchise, excess etc. Policy also covers loss of inputs cost incurred by way of damage to fruit which is assessed by applying percentage of loss to sum insured. Coverage is available for only trees between age of 1 to 30 years to regularly bearing orchards only. Intercropping involving rice, wheat, maize and potato not allowed. In the event adverse climate prevails at the time of blossoming the insured shall resort to hand pollination or any other suitable technique.