 The Government then introduced in 1999-2000, a new scheme titled “National Agricultural Insurance Scheme” (NAIS) or “Rashtriya Krishi Bima Yojana” (RKBY).NAIS envisages coverage of all food crops (cereals and pulses), oilseeds, horticultural and commercial crops.It covers all farmers, both loanees and non-loanees, under the scheme.