| Features | NAIS | MNAIS | PMFBY |
|---|---|---|---|
| Premium rates | Low | High | Lower than even NAIS |
| One season one premium | Yes | No | Yes |
| Insurance amount cover | Full | Capped | Full |
| Localized Risk coverage | No | Hail storm, Land slides | Hail storm, Land slides |
| Post harvest losses coverage | No | Coastal areas-for cyclonic rain | cyclonic rain and seasonal rain |
| Use of technology | No | Intended | Mandatory |