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 INR.
Our Offerings
Prakriti
A comprehensive insurance policy against 8 perils providing maximum coverage based on input cost of the crop.
Offers protection from
Flood, Inundation (Not applicable to Hydrophilic crops), Named Cyclone, Storm, Animal Attack by ( Elephant, Wild Boar) , Earthquake including Tsunami, Fire due to lightning, Landslide.
Sukriti
Offers protection from
A combination of 1 major peril and 1 minor peril from a list of 8 perils.Storm, test attack Animal Attack by ( Elephant, Wiloar) ,sdfasdfsdfsdf including Tsunami, Fire due to lightning, Landslide
Samriddhi
Offers protection from
Flood, Inundation (Not applicable to Hydrophilic crops), Named Cyclone, Earthquake, Fire due to lightning, Landslide.
* Minimum premium for Kshema Sukirti is 499 INR and Prakriti is 1499 INR.
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.
Kshema Bharat Griha Raksha
The Kshema Bharat Griha Raksha policy is a comprehensive property insurance policy that protects your home building and its contents from losses due to unexpected events.
Kshema Home Insurance Policy
The Kshema Home Insurance Policy is a comprehensive property insurance policy that protects your home building and its contents from losses due to unexpected events.
Kshema Bharat Laghu Udyam Suraksha
The Kshema Bharat Laghu Udyam Suraksha policy provides comprehensive protection to the hard-earned investments in your small business from loss due to unexpected risks and damages.
Kshema Bharat Sookshma Udyam Suraksha
Kshema Miscellaneous Vehicle Liability
Kshema Goods Carrying Vehicle Liability
Frequently Asked Questions
How can I apply for the insurance?
How do I download Kshema app?
What are the documents required to apply for this policy?
Where I can get a sowing certificate?
What perils are covered?
Fire due to lightning
Landslide
Hailstorm
Cyclone
Flood
Inundation
Earthquake
Animal attack by Elephant, Monkey, Wild boar and rabbit.
What is the sum insured?
Can I cancel my policy?
How can I claim insurance?
How is loss assessment done?
Which document or proofs I have to submit for claim?
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.