Indian farmers often struggle with the limitations of current crop insurance models. These schemes typically compensate for immediate damage to crops but fail to account for long-term losses, such as the time and cost required to regrow damaged plants to full productivity. For example, while a farmer may receive compensation for a damaged crop, the payout often does not cover the years of lost production or the cost of nurturing replacement plants. This gap can lead to financial strain, forcing farmers to seek alternative sources of income to sustain their livelihoods.