However premium rates will be capped at 11%, and 9% (of sum insured) for food&oilseeds crop of Kharif and Rabi seasons respectively, and for annual commercial/horticultural crop, it is proposed at 13%. In case of the crops whose premium will be higher than the cap level, then their sum insured will be reduced in proportion to cap level. These caps may be reviewed&revised after/for every Five Year Plan Period, if felt necessary.