one crop at a time.
We guard farmers from income shocks. We build financial resilience.
Kshema is a fully digital insurance provider created to make India’s farmers financially more resilient and independent
Through hi-tech yet simple-to-use solutions, we are securing the future of India’s farmers against unpredictable climate events which are becoming more frequent and intense.
One app to
guard against
8 perils.
The Kshema app offers a seamless experience to the farmer from buying an insurance product for their crop to settlement of claims.
Protect your crop in easy steps.
- Download the Kshema app.
- Set up your profile.
- Buy an online crop insurance policy for your needs.
Happy Customers
What sets us apart
Our approach is different from that of traditional insurance providers. We use cutting-edge algorithms and spatial-temporal technology to assess, model and price insurance, and address pre-harvest risks at the farm level.
Empowering
every farmer
- Covers 100+ crops against 8 perils
- Available in 10+ languages
- 127 agro-climatic zones covered
Precise and
fair premiums
- Affordable insurance premiums
- Customised insurance coverages
- Digital KYC process
Tomorrow’s
technology
- Satellite based farm monitoring
- Geo-tagging
- Paperless & hassle-free process
Our Milestones & The Road Ahead
8 Perils,
1 Solution.
Explore our customised, and comprehensive
insurance products for farmers.
Fire due to lightning
Landslide
Cyclone
Flood
Inundation
Earthquake
Animal attack
Hailstorm
Kshema Offerings
Kshema Prakriti is a comprehensive crop insurance solution for farmers protecting their crops against 8 perils.
Kshema Sukriti is the most affordable crop insurance policy that offers tailormade protection to crops for a fixed basic premium of only Rs 499 per acre.
Kshema Samriddhi is the most-affordable crop insurance policy that caters to farmers with small land holdings, ranging from 1 to 25 cents.
The Kshema Bharat Griha Raksha policy is a comprehensive property insurance policy that protects your home building and its contents from losses due to unexpected events.
The Kshema Home Insurance Policy is a comprehensive property insurance policy that protects your home building and its contents from losses due to unexpected events.
The Kshema Bharat Laghu Udyam Suraksha policy provides comprehensive protection to the hard-earned investments in your small business from loss due to unexpected risks and damages.
The Kshema Bharat Sookshma Udyam Suraksha policy provides comprehensive protection micro Eenterprise from losses due to unforeseen risks.
Every commercial vehicle plays a crucial role in keeping businesses and services running smoothly.
Transporting goods across cities, states, or even rural roads comes with its own set of challenges and risks.
* Minimum premium for Kshema Sukriti and Prakriti is ₹499 per policy
Crop Insurance
Calculate Your Premium
Here’s a step-by-step guide to the
Kshema app to insure with us
Buy or renew policies, file claims and check their real-time status, and much more
