App Features
01
Multilingual app
Connects with farmers in their preferred
language from a list of 11 Indian languages.
![](https://kshema.co/wp-content/uploads/2024/05/app-feature1-1.png)
02
Hassle-free & paperless
Streamlines the insurance process, making it easy
and eco-friendly with paperless transactions.
![](https://kshema.co/wp-content/uploads/2024/05/app-feature2-1.png)
03
Satellite-based imagery
Uses satellite-based imagery to validate farm
details and verify claims for quick settlement.
![](https://kshema.co/wp-content/uploads/2024/05/app-feature3.png)
04
Comprehensive coverage
Covers 100+ crops catering to both
seasonal and perennial needs.
![](https://kshema.co/wp-content/uploads/2024/05/app-feature4-1.png)
05
Quick digital processes
Simplified verification process with quick and secure
digital KYC and seamless online claims option.
![](https://kshema.co/wp-content/uploads/2024/05/app-feature5-1.png)
06
Tailor-made products
Choose among our products Prakriti and Sukriti based on your needs or opt for PMFBY, if available in your state.
![](https://kshema.co/wp-content/uploads/2024/05/app-feature6-21.png)
![](https://kshema.co/wp-content/uploads/2024/05/app-feature6-11.png)
Kshema app is our proprietary risk management platform that enables us to adopt a progressive approach of strategic resilience towards risk by building mechanisms that allow timely information flow and transparency.
- It uses each farm unit to recognise, assess and price the risk adequately across 127 Micro-climatic zones of India.
- Data transparency and adequate risk pricing are achieved through satellite-based imagery
![](https://kshema.co/wp-content/uploads/2024/05/wheat-leafs.jpg)
With the Kshema app, you can protect your crops from 9 perils*
![Kshema](https://kshema.co/wp-content/uploads/2024/04/firelight-damages.png)
![FireLighting](https://kshema.co/wp-content/uploads/2024/04/fire.png)
![Kshema](https://kshema.co/wp-content/uploads/2024/04/aircraft-damages.png)
![FireLighting](https://kshema.co/wp-content/uploads/2024/04/fire.png)
![Kshema](https://kshema.co/wp-content/uploads/2024/04/landslide-damages.png)
![FireLighting](https://kshema.co/wp-content/uploads/2024/04/fire.png)
![Kshema](https://kshema.co/wp-content/uploads/2024/04/cyclone-damages.jpg)
![FireLighting](https://kshema.co/wp-content/uploads/2024/04/fire.png)
![Kshema](https://kshema.co/wp-content/uploads/2024/04/flood-damages.jpg)
![FireLighting](https://kshema.co/wp-content/uploads/2024/04/fire.png)
![Kshema](https://kshema.co/wp-content/uploads/2024/04/inundation-damages.jpg)
![FireLighting](https://kshema.co/wp-content/uploads/2024/04/fire.png)
![Kshema](https://kshema.co/wp-content/uploads/2024/04/earthquake-damages.jpeg)
![FireLighting](https://kshema.co/wp-content/uploads/2024/04/fire.png)
![Kshema](https://kshema.co/wp-content/uploads/2024/04/animal-damages.jpg)
![FireLighting](https://kshema.co/wp-content/uploads/2024/04/fire.png)
![Kshema](https://kshema.co/wp-content/uploads/2024/04/hailstorm-damages.jpg)
![FireLighting](https://kshema.co/wp-content/uploads/2024/04/fire.png)
* the number of perils covered may vary according to the plan that you take.