Simple and affordable general insurance solutions curated to safeguard Bharat in every aspect of life.
68 Lakh+
Claims Settled
₹1739 Cr.+
Claim Amount Disbursed
2.80 Cr.+
Policies Issued
We combine traditional general insurance with modern technology to deliver a range of insurance solutions so that we can be there for you when you need the most.
IRDAI-licensed general insurer
Quick claim intimation with minimal documentation
Customer support in the language you prefer
Buy and manage policies using your smartphone
Choose from our wide range of insurance products designed to protect what matters most to you.
Prakriti
Comprehensive crop insurance against 8 listed perils
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Sukriti
Choose crop cover against 2 out of 8 perils
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Samriddhi
Comprehensive crop insurance from 1 - 25 cent farm size
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Kisan Sathi
Dual-benefit bancassurance product combining crop & personal accident insurance
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El Niño Index Insurance
Protects farmers against El Niño-related weather risks.
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A government crop insurance scheme
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A weather-based government crop insurance scheme
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I want to thank Kshema. Their representatives are very helpful whenever we need their advice. We understood that the loss we suffer during the monsoon season could be reduced by Kshema Crop insurance. We bought it and we have benefited from it.
I bought crop insurance from Kshema and the process was quick and easy. Natural calamities frequently affect our fields, but now I feel secure knowing my crops are insured. I advise all my relatives and acquaintances to buy crop insurance from Kshema.
Cyclone Michaung completely damaged my crop. I had purchased Kshema Sukriti through the Kshema App. I received the claim amount within 48 hrs of intimation due to this, me & family are able to face the financial hurdles.
I had insured my paddy crop with Kshema General Insurance, and the company provided a fair compensation for my loss. I strongly recommend fellow farmers to secure their crops with insurance.
I found it very easy to buy policy from Kshema. Their representatives are very helpful.

14th GAIP - InsureTek Golden Shield Excellence Awards, 2026
ITC Asia, 2026
India Insurance Summit & Awards, 2026
Iimjobs.com, 2026