Building Financial Resilience in the Agricultural Community
Kshema is a fully digital insurance provider building financial resilience among farmers from income shocks due to extreme climate events and other perils.
Protecting 3,000,000+ farms across India
Kshema uses cutting-edge AI-based algorithms, machine learning, big data and location awareness to assess, model, and price insurance risks adequately.
This is done through Kshema’s proprietary platform Kshema – developed in-house and continuously upgraded – to sell its products – Sukriti, Prakriti and address pre-harvest risk at a farm level.
Our Offerings
Prakriti
A comprehensive insurance policy against 8 perils providing maximum coverage based on input cost of the crop.
Offers protection from
Flood, Inundation (Not applicable to Hydrophilic crops), Named Cyclone, Storm, Animal Attack by (Elephant, Wild Boar), Earthquake including Tsunami, Fire due to lightning, Landslide
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 8 perils.orm, test attack Animal Attack by ( Elephant, Wiloar) ,sdfasdfsdfsdf including Tsunami, Fire due to lightning, Landslide0
* Minimum premium for Kshema Sukirti is 499 INR and Prakriti is 1499 INR.
OUR VISION
Create and enable a progressive approach of strategic resilience towards risk in contrast to conventional defensive risk management practices.
OUR MISSION
Amalgamating industry expertise with a zeal to bring in change
Behind every milestone lies a dedicated team and visionary leadership – get to know ours.
Our Core Values
Respecting our customers and caring for them is at the core of everything we do. It defines our work every day.
Accessibility
We are relentless in our endeavour to not only connect customers but make it simpler for them to access the best crop insurance solutions on their fingertips.
Succeeding as a team
United by our purpose, we live by a collective commitment to honesty, integrity and innovation. We believe in being open and inclusive, accepting and applying the best ideas from every part of our company.
Delivering promises
We are committed to delivering our promise of building financial resilience from natural perils among farmers by making crop insurance accessible and the settlement of claims quicker.
Integrity
Integrity is the North Star that dictates the path we take. We are honest, transparent, ethical, and fair in our dealings with customers, employees, and stakeholders alike.
We are working towards protecting the farmer from income shocks by providing the safety net of affordable crop insurance.
