Kisan Sathi
A Kshema product
Kshema Kisan Sathi is Kshema’s flagship bancassurance product which is specially designed as a dual-benefit insurance policy for India’s rural and Agri-focused bank customers. It offers protection towards loss of input cost and security to the family by combining crop insurance and personal accident insurance for valued bancassurance farmer customers.
- Coverage for crops for which a loan from the bank has been obtained
- 100+ crops covered
- Protection against 9 perils
- Personal accident cover during the policy period
Protect your crops from 9 Natural Perils and Personal Accident
Landslide
Fire due to lightning
Cyclone
Flood
Inundation
Earthquake
Animal Attack
Hailstorm
Tsunami
Personal Accident
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Which Type of Farmer you are ?
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Frequently Asked Questions
It is a comprehensive insurance policy designed for bank customer who are the Cultivator, covering crop insurance and personal accident insurance.
There are two parts under Kshema Kisan Sathi Insurance Policy
Part I: Crop Insurance
Part II: Personal Accident Insurance
Yes, when any customer is opting for crop insurance, the coverage against Personal accident is mandatory. You must be insured under both the coverages
The policy period shall start from the day the premium is paid or sowing date of the crop whichever is later till the date calculated as per the duration of the crop from the crop sowing date.
Yes, since both the coverages are part of the same policy, the personal accident insurance also starts and ends as mentioned in the policy period.
The policy coverage for the crop continues till the expiry of the policy period or harvest of the crop whichever is earlier.
The PA coverage will continue till the policy expiry date.
Yes, the contribution clause shall apply. If the same crop on the same farmland is insured under more than one policy, and a loss occurs that is covered by both policies, we shall be liable to pay a ratable proportion of the claim amount based on the respective coverage under each policy.
No, the contribution clause shall not apply.
The sum insured is determined to the extent of crop loan amount sanctioned by the bank.
The loan amount sanctioned by bank towards crop insurance is the sum insured under Personal accident insurance.
No, the sum insured is restricted up to the crop loan amount.
Under Part I: Crop (₹500 per claim).
Under Part II: Nil.
Under Part I: For crop insurance, the first 7 days from the policy start date.
Under Part II: Nil.
No, Post harvest losses are not covered under Part I of the policy as it is an exclusion.
Farmers between 18 to 70 years of age are eligible for PA cover.
Cyclone, earthquake, fire due to lightning, flood, hailstorm, inundation (except hydrophilic crops), landslide, tsunami, and animal attacks (only for a maximum sum insured of 25% of the policy sum insured) (elephant and wild boar).
Accidental death resulting from a sudden, violent, and external event.
Photos / video of the loss or damage through Kshema app on every alternative day till the loss or damage ends.
Yes, you can cancel the policy at any time during the term, by informing us in writing.
Yes, we can cancel the policy only on the grounds of established fraud, by giving minimum notice of 7 days to the policy holder.
Refund in proportion to the unexpired policy period.
“In case of claim, no refund is allowed.”
Yes, only one-time change of sowing date is allowed.
No, Crop change is not permitted.
Any loss of or damage to crop arising from one or more of the insured perils during the period of 72 consecutive hours starting from the inception of loss occurring event shall be deemed as a single event and therefore subject to one excess and one claim.
Compensation = Sum Insured x corresponding Compensation percentage to the stage of the crop x extent of insured area affected x Loss Percentage x Indemnity Percentage -Excess/Deductible.
Claim detection and loss assessment will be done through remote sensing satellite image/photos/video submitted through Kshema Application using inhouse developed algorithm.
Intimate the loss along with your Policy details not later than 24 hours of occurrence of incident through Kshema Application or You can call our call-centre team T: +91 40 2340 9918 or Email customer.support@kshema.co or visit the registered office.
Since, the crop duration expires, you can take another fresh policy for the new season.
Yes, your policy is hypothecated to the bank in case you have obtained the loan from the bank.
No, in the case of farmer who has obtained a loan, the claim amount will be credited to your loan account and any amount over and above the loan will be paid to you.
The claim amount after adjusting against the loan will be paid to your nominee.
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