Making crop insurance voluntary to all farmers, removal of high premium crops, giving flexibility to states to provide customised add on products -- are some of the key changes the Centre is planning to make to the Pradhan Mantri Fasal Bima Yojana    The agriculture ministry has also proposed setting up of State Level Corpus Fund, and migration of savings to a National-level Insurance Risk Pool to quell public perception that insurance companies are making profits from the scheme.  That apart, govt  suggested a premium ceiling for coverage under the scheme at 25 per cent (to be revised every year) if irrigated area within a crop is more than 50 per cent. A premium ceiling at 30 per cent has been suggested if irrigated area within a crop is less than 50 per cent