Samriddhi
A Kshema product
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
- 100+ crops covered.
- *Waiting period of 15 days apply
- Exclusively available in Uttarakhand and Himachal Pradesh
Protect your crops from 6 Natural Perils
Compare and Select the Best Insurance
Starts at
₹1499 per acre |
Starts at
₹499 per acre |
Starts at
₹199 per acre |
|
|---|---|---|---|
| Coverage | Comprehensive | Customizable | Budget-friendly |
| Perils Covered | Cyclone, inundation, flood, hailstorm, landslide, earthquake, fire due to lightning, animal attack | Combination of 1 major peril and 1 minor peril from a list of 8 perils (will add the list also) | Cyclone, inundation, flood, landslide, earthquake, fire due to lightning |
| Special Features | Covers 100+ seasonal crops, maximum coverage based on input cost of the crop | Provides more flexibility to farmers to select perils | Ideal for small land holdings (1 to 25 cents), covers 6 natural perils, a beneficial policy |
Frequently Asked Questions
a) Cyclone
b) Earthquake
c) Flood
d) Inundation (not applicable to Hydrophilic crops)
e) Landslide
f) Natural fire due to lightning
If an accident occurs, you must promptly inform us by calling our 24-hour Customer Care on 1800 572 3013 or you can email us on customer.support@kshema.co, supply all required information and documentation, and adhere to the claims process detailed in your policy documents.
No, there is no any Renewal Benefit/No Claim Bonus applicable under this Policy
The government officials from the agriculture department in your area will issue the sowing certificate.
Loss is assessed through remote sensing technology and satellite imagery. On-site assessment is also done in special cases.
No, there is no any Excess applicable under this Policy
The policy will terminate in the following scenarios:
• Harvest of the Crop
• Destruction of crop due to an uninsured event
• Payment of full sum insured in case of a Total Loss
Mention your policy details and upload proof of damage (photo/video) that clearly shows the affected area.
Yes, you can cancel your policy at any time by giving us notice or by writing to us through the Kshema app.
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- Coverage for 100+ crops.
- Premiums evaluated for each farm, not each area.
- Policies created based on risks faced by each individual location.