Kshema is a digital first insurance provider offering a broad range of products across both retail and corporate segments, with a primary focus on serving rural customers and contributing to the vision of a financially resilient Bharat. Founded in 2018, the company initially specialised in crop insurance and has since diversified its portfolio to include health, motor, property, fire, and liability insurance. Leveraging data-driven AI technologies, Kshema delivers a seamless and consistent experience for its customers and partners.
Powered by Kshema's proprietary platform, we continuously improve our services to meet customer needs. We offer a wide range of insurance solutions that help protect individuals, businesses, and communities from different types of risks.
Prakriti
Comprehensive crop insurance against 8 listed perils
View Details
Sukriti
Choose crop cover against 2 out of 8 perils
View Details
Samriddhi
Comprehensive crop insurance from 1 - 25 cent farm size
View Details
Kisan Sathi
Dual-benefit bancassurance product combining crop & personal accident insurance
View Details
El Niño Index Insurance
Protects farmers against El Niño-related weather risks.
View Details
A government crop insurance scheme
View Details
A weather-based government crop insurance scheme
View Details
Create and enable a progressive approach of strategic resilience towards risk in contrast to conventional defensive risk management practices.
Enable resilience among cultivators across the country, from income shocks due to extreme climate events and other vagaries, with insurance.
Behind every milestone lies a dedicated team and visionary leadership – get to know ours.
Discover how we're making a difference in the agricultural community through our comprehensive approach
Respecting our customers and caring for them is at the core of everything we do. It defines our work every day.
We are relentless in our endeavour to not only connect customers but make it simpler for them to access the best insurance solutions on their fingertips.
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.
We are committed to delivering our promise of building financial resilience by making insurance accessible and the settlement of claims quicker.
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.
Need help with finding the best insurance solution?
Our representative will guide you through the plans and help you buy a policy.
