Securing lives & livelihoods of small farmers

Campaign aims to create sustainable habit among small and marginal farmers to adopt for health, crop and livestock insurance,

Marginal Farmer family

Lack of health insurance is one of the major financial exclusions in the tribal areas. Sudden medical expenses cause severe hardship due to which heavy loss of personal savings, distress sale of assets built over lifetime push farmers into viscious debt cycles.

Icon Farmers

1 lakh Farmers

1,00,000 Small/marginal farmers being sponsored to Hospital Cash Insurance  initiating their journey towards secure their life and livlihood

Odisha, India

Small/marginal farmers from all of Odisha state, India, where highest density of marginal and tribal farmers exist.

3 full Years

A relentless, on ground, marginal farmers literacy on insuring their life & livelihood, including agri best practice.

Objective: This is a project with an ambition to initiate small/marginal farmers across Odisha, through demonstration of power of a secure life and livelihood by nudging them into a habit of insuring themselves, their crops and their livestock.

Nudge2Include is an initiative to provide financial inclusion support to 1 lac farmers in the state of Odisha comprising 40% tribals and >35% female farmers in the disadvantaged segment. The campaign aims to educate them on insurance necessity, the impact of health risk in life, quelling fears on claims process, develop belief and habit to insure themselves and their livelihoods, prepare them not to fall prey to distress sale of their life savings. It will be done through a rigorous 3 years of  hand-holding engagement, and most importantly, financially supporting them by bearing a significant part of their initial policy charges.

A nudge by initial hand holding, demonstrative learning for the farmers can open them to adopt and secure their life and livelihood through initiating a habit of insuring themselves, their crops and livestock.

This we do through inviting individuals, NGO's and FPOs to enrol farmer members from their organisations or general groups who qualify the criteria of land holding of 1 hectare or less.

Here is a programme to initiate insurance coverage to One Lakh (1,00,000) small & marginal farmers of Odisha, educate them on insurance necessity, quelling fears on claims process, develop belief and habit to insure their livelihoods, prepare them never to fall prey to distress sale of their life savings  through 3 full years of  hand-holding engagement, and most importantly, financially support them by bearing a significant part of their initial policy charges.

Under nudge2include, the first component is the The Hospital Cash insurance that is crafted to cover a farmer for instant cash for upto Rs 1,000/- a day during hospitalisation, and SEWAK will facilitate policy registration, generating 2/3 portion of the annual policy cost from sponsors for the first year and continuation too is rewarded in an ease-out manner.

Hospital Cash Insurance Features Chart

Inviting leading NGOs from across the world,  consortiums of FPOs from across Odisha, and most importantly well meaning citizens who are aware, capable and keen to provide small farmers of this world, an immediate and long term safety net for their lives and livelihood and their priceless smile to stay.

Step 1: Enroll 1,00,000+ small & marginal farmers, from across West and South Odisha, India.

This we do through inviting individuals, NGO's and FPOs to enroll farmer members from their organisations or general groups who qualify the criteria of land holding of 1 hectare or less.

Step 2: Create a Hospital Cash Insurance Policy in partnership with insurance provider.

We have included custom features and also remove many barriers for easy adoption, renewal nudge and easy claim process.

Step 3: Enable and manage donor  contributions, towards funding to cover a part of the policy.

The funds generated would be towards covering 2/3rd (INR.200 / USD2.77 ) for a policy Rs 300 ( USD ~4.16 ) per person pey annum (pppa). We invite NGO's, Corporate CSR, Individual Donors to contribute generously.

Step 4: Service the policy on ground, by being on the farmers’ side throughout the process.

Farmers will require hand holding, step by step guidance. FPOs on ground support and on call support will be available.

Step 5: Educate farmers on the necessity of insuring livelihood, by creating small knowledge snippets.

By creating a digitally sharable education modules about insurance of various types, their coverage, claim process, fellow farmers testimonials, digital financial literacy, expert views as well as educating on crop and livestock.

Step 6: Followup on voluntary renewals of policies, by nudging the farmers over a 3 year period.

This is the toughest part of the campaign where in the results of the campaign shows up and we measure the success of the campaign. All measures of educational best practice would be employed to ensure the results are high and true.

SEWAK Complex, Rangiamunda.

SEWAK the Org: Self Employed Workers' Association Kendra, Sundargarh, Odisha.

This project is organised and run by SEWAK, located in Sundergarh Dist, Odisha. SEWAK is a secular, non-profit, non-Government Social Service Organisation registered in 1995 under Societies Registration Act XXI, 1860 in Sundargarh district of Odisha in India. The acronym SEWAK means ‘servant’.

SEWAK's Key Focus: Bringing about steady transformation in the lives of people and communities.

SEWAK is dedicated to the service of rural and urban poor, unemployed youth, backward and tribal communities, and vulnerable segments of the population of Sundargarh District.. It has been implementing self-funded and supported developmental projects in the district setting off a process of steady transformation in the lives of the people and communities.

Supporting NGOs logos

Supporting NGOs: Many NGOs and Farmer Organisations in Odisha are supporting the campaign.

Right from mobilisation of their member farmers or in areas of infulence, these NGOs are supporting the campaing in creating a better better literacy on Risks, Solutions and Digital literacy with a belief that this will bring long term impact in theor lives of small and marginal farmers.

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Pragati Koraput Logo

Pragati Koraput

Pragati Koraput, is working for socio-economic well-being of forest dependent communities, small and marginal farmers, women headed and migrant households in the most fragile landscape of Odisha, India. Our collaboration with Government, Research Institutions, National and International Donors and Civil Society Networks has strengthened our efforts for realization of larger societal goals.

SGF Foundation Logo

SGF Foundation

"Saunta Gaunta"- A popular saying among the Santhali tribe in Northern Odisha which literally means "Together We Can" is the driving force behind the work of Santa Gaunta Foundation. Established in 2005, the organisation relishes the power of togetherness and strives to work among the Tribal Groups in order to bring them into mainstream society through livelihood projects.

Govindalaya Logo


Odisha Millets Mission is a flagship programme of Department of Agriculture and Farmers Empowerment, Government of Odisha. Special Programme for Promotion of Millets in Tribal Areas of Odisha (Odisha Millets Mission) was launched by Govt of Odisha in 2017 to revive millets in farms and on plates.  It emerged from a consultation between Government, Academia (NCDS) and Civil Society Organisations (RRA Network, ASHA Network and local NGOs). It is first of its kind of agriculture programme with priority on increasing consumptions in Odisha.

WOSCA Organisation Logo

Women’s Organisation for Socio-Cultural Awareness

WOSCA works in Governance and Livelihood development, Health and Education, Child rights and women empowerment and Environment Preservation. It’s funding partner agencies including Government of Odisha, Government of India, DFID, DRDA, NHM, UNDP, NABARD, Plan-International, OXFAM, The Hunger Project, UNICEF, DMF, CHILDLINE India Foundation & others.

Your support is most needed to secure lives and livelihood of small/marginal farmers

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How to support the campaign

Donate to Farmers' Insurance

Contribute towards Insurance, by donating towards a part of the Hospital Cash Insurance for 5 farmers or multiples and helping them develop a safety habit.

Be our Ambassadors

Join hands with the Campaign, volunteer for an on ground field activity or be an online ambassador in taking the programme to the world.

Mobilise Farmers

Identify and enrol farmers, as many as possible from your side, so they benefit getting this special insurance at very very low premium.