Explore our customised insurance products.
Choose from multiple crop insurance products that are accessible, affordable, customisable, and reliable.
Three convenient ways to buy Kshema’s crop insurance
01
Select the plan most suited to your needs Explore our range of insurance plans to find the perfect fit for your needs. Customisable and comprehensive, we have you covered every step of the way.
02
Connect with Our Expert Adviser Get personalised guidance from our expert adviser who will assist you in selecting the ideal insurance product for your crop.
03
Speak with a Kshema Agent We have dedicated Kshema agents to walk you through the process of buying the right crop insurance product. Our agents are committed to ensuring a smooth and seamless experience for you.
Why Kshema?
- Coverage for 100+ crops.
- Farm-based approach to crop insurance.
- Individualised premiums based on location-aware risk evaluation.
- Risk is spatially diversified.
- Using technology to give farmers control and visibility.
- Customised insurance cover starting at just ₹499.
Our Offerings
A Kshema product
Prakriti
A comprehensive insurance policy against 8 perils providing maximum coverage based on input cost of the crop.
Offers protection from
Cyclone, inundation, flood, hailstorm, landslide, earthquake, fire due to lightning, animal attack.
100+
seasonal crops covered
A Kshema product
Sukriti
A customisable insurance policy that provides more flexibility to farmers with enhanced sum insured for extra premium.
Offers protection from
A combination of 1 major peril and
1 minor peril from a list of 8 perils
100+
seasonal crops covered
₹499
Starts at only ₹499 per acre
A Kshema product
Samriddhi
A comprehensive insurance policy catering to the farmers with land holdings in the range of 1 to 25 cents.
Offers protection from
Cyclone, inundation, flood, landslide, earthquake, fire due to lightning.
100+
seasonal crops covered
₹199
Starts at only ₹199
Pradhan Mantri Fasal Bima Yojana
A government crop insurance scheme providing financial support to farmers suffering crop loss/damage arising out of unforeseen circumstances.
Restructured Weather Based Crop Insurance Scheme
A government scheme to mitigate the hardships of the insured farmers against the likelihood of financial loss on account of anticipated crop loss resulting from adverse weather conditions.
* Minimum premium for Kshema Sukirti and Prakriti is Rs. 499 per acre.
Frequently Asked Questions
You can apply through Kshema app from your registered mobile number.
If you are using an Android mobile phone, go to the Play Store, type “ Kshema app”, select and download to install. Register on the app.
The required documents are land record proof, sowing certificate, PAN card, bank passbook, tenant certificate if you are a tenant, Aadhaar card and a photo of the insuree.
The government officials from the agriculture department in your area will issue the sowing certificate.
Fire due to lightning
Landslide
Hailstorm
Cyclone
Flood
Inundation
Earthquake
Animal attack by Elephant, Monkey, Wild boar and rabbit.
The sum insured varies depending upon the crop, location and crop duration.
Yes, you can cancel your policy at any time by giving us notice or by writing to us through the Kshema app.
You should immediately intimate the loss through the Kshema app or by email to customer.support@kshema.co.
Loss is assessed through remote sensing technology and satellite imagery. On-site assessment is also done in special cases.
Mention your policy details and upload proof of damage (photo/video) that clearly shows the affected area.
Protect your
crop today!
Connect with us and explore our crop insurance plans tailored to your needs.
