Protecting your farm, one crop at a time.
We are more than just a provider of insurance solutions.
We guard farmers from income shocks. We build financial resilience.
Need assistance?
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
9 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 insurance policy for your needs.
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 9 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
1,23,92,745 +
No. of Policies serviced so far
₹ 3,127.18 Cr. +
Sum Insured So far
₹ 508.65 Cr. +
Gross premium so far
9 Perils,
1 Solution.
Explore our customised, and comprehensive
insurance products for farmers.
Fire due to lightning
Aircraft damage
Landslide
Cyclone
Flood
Inundation
Earthquake
Animal attack
Hailstorm
A Kshema product
Prakriti
A comprehensive insurance policy against 9 perils providing maximum coverage based on input cost of the crop.
Offers protection from
Cyclone, inundation, flood, hailstorm, landslide, earthquake, fire due to lightning, animal attack, damage due to aircraft.
100+
seasonal crops covered
A Kshema product
Sukriti
A customisable insurance policy that provides more flexibility to farmers with enhanced sum insured for extra premium.
Offers protection from
A combination of 1 major peril and
1 minor peril from a list of 9 perils
100+
seasonal crops covered
₹499
Available at only ₹499 per acre
* Minimum premium for Kshema Sukriti and Prakriti is ₹499 per policy.
