Premium starts at just INR 199
Ideal for farmers with small land parcel
100+ crops covered.
Coverage against 6 natural perils as defined under the policy
Kshema Samriddhi is the most-affordable crop insurance policy that caters to farmers with land holdings ranging from 1 to 25 cents. It offers comprehensive coverage against 6 natural perils.
Premium starts at 199 INR100+ crops covered.Exclusively available in Uttarakhand and Himachal Pradesh
Any farmer can buy our crop insurance policies according to their need.
Individual farmers who own agricultural land and cultivate crops on it.
Farmers who lease or rent agricultural land for cultivation purposes.
Farmers who cultivate land owned by others and share the crop yield as compensation.
Farmers with land holdings ranging from 1 to 25 cents.
Affordable crop insurance solution for small farms
Suitable for farmers with small land holdings seeking comprehensive crop protection
Coverage against 6 natural perils as defined under the policy
Pocket-friendly crop insurance for farmers with the premium starting at just INR 199
Claims are assessed using defined processes supported by satellite imagery and submitted evidence
Once you purchase any of Kshema’s crop insurance policy, your policy documents are shared digitally with all coverage details.
Protection against 6 key perils
Compare and select the best crop insurance policy based on your farming risks.
Timing is critical for crop insurance. Ensure you purchase your policy within the designated enrolment windows to stay protected.
Available only during state‑specific seasonal windows.
Must be applied within 15 days of sowing the insured crop.
Only within the enrolment window (allowed if sowing is delayed).
If the sowing date is more than 15 days earlier than the quote date, the policy becomes void.
Scan to download our App
Buy policies, file claims, track status, and get support - all from our easy-to-use mobile app. Available in Hindi, English, and 10+ regional languages.
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.
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