Unlike traditional insurance products, Alivio uses high-resolution satellite data and advanced crop modeling to provide growth stage-tailored, plot-based and geo-contextualized protection, the company said in a statement.
Alivio (which means ‘help’ in Spanish) is a breakthrough digital solution that reimagines risk mitigation while providing farmers with actionable field insights, delivered as an integrated value-added service through a mobile application, the report said.
When plot-based agronomic parameters provide security benefits, farmers can immediately redeem them with nearby Bayer channel partners, ensuring immediate access to quality seeds and crop protection products and avoiding disruptions during the crop cycle.
In practice, this means that Alivio identifies and tailors protection to the exact risks that farmers experience as most threatening in their local context, such as prolonged dry periods during flowering or extreme heat during grain filling. By tailoring coverage to these location- and phase-specific vulnerabilities, Alivio ensures that support is meaningful, relevant and directly linked to the challenges farmers face.
The initial rollout will target rain-fed maize growers in Davanagere, Karnataka and Chhatrapati Sambhajinagar, Maharashtra – areas where repeated dry spells have historically reduced yields. By monitoring field conditions, Alivio will provide assurance benefits when the corn crop experiences insufficient soil moisture during critical growth phases. These benefits are delivered to farmers through their Alivio mobile application and can be redeemed at the nearest channel partner store. In addition, farmers will receive soil moisture forecasts, spray planning support and crop scouting recommendations tailored to their fields, to name just a few data-driven insights.
“Alivio reflects Bayer’s commitment to putting digital innovation in the hands of those who need it most. By combining agronomic intelligence with intuitive design and trusted local networks, we help smallholder farmers turn uncertainty into informed action, making resilience not only possible, but practical,” said Simon Wiebusch, Country Divisional Head, Crop Science Division, Bayer in India, Bangladesh and Sri Lanka.
“For too long, crop insurance has left farmers in limbo. With this launch, we are putting farmers at the center of innovation. By combining satellite intelligence, field-level insights, growth-stage tailored coverage and strong ecosystem collaboration, we are delivering solutions that truly address the needs of farmers. Together with Bayer and United India Insurance, we are proud to be driving the transformation that the agricultural insurance industry urgently needs,” said Sanjay Radhakrishnan, CEO of Edme Insurance Brokers Ltd, in a statement.
In the coming months, Alivio will expand into onions, chillies, potatoes, grapes, tomatoes and select fruit crops, reaching more regions in India. This is part of Bayer’s global ambition to reach 100 million smallholder farmers by 2030, with digital innovations at the heart of efforts to increase productivity, resilience and sustainability, the company said.
Published on November 14, 2025
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