Find the Right Insurance Plan for Your Needs

Comprehensive and customisable insurance solutions tailored to protect what you value, whether it’s your crops, property, vehicles, or business. Choose from our range of specialised plans designed to meet your needs.
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Simple ways to get insured

01. Choose Your Plan

Browse through our diverse insurance plans and select the one that best fits your needs and budget.

02. Get Expert Guidance

Connect with our certified insurance advisers who will help you understand different coverage options.

03. Meet Our POSPs

Reach out to our local POSPs for personalised support with policy purchase and claims assistance.

Our Offerings

A Kshema product

Kshema Prakriti

Kshema Prakriti is a comprehensive crop insurance solution for farmers protecting their crops against 8 perils.

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

Premium starts at INR 1499
100+ seasonal crops covered

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A Kshema product

Kshema Sukriti

Kshema Sukriti is the most affordable crop insurance policy that offers tailormade protection to crops for a basic premium, starting at 499 INR.

Offers protection from :: A combination of 1 major peril and 1 minor peril from a list of 8 perils

Premium starts at INR 499
100+ seasonal crops covered

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A Kshema product

Kshema Samriddhi

Kshema Samriddhi is the most-affordable crop insurance policy that caters to farmers with land holdings ranging from 1 to 25 cents.

Offers protection from ::  Flood, Inundation (Not applicable to Hydrophilic crops), Named Cyclone, Earthquake, Fire due to lightning, Landslide.

Premium starts at INR 199
100+ seasonal crops covered

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A Kshema product

Kshema Kisan Sathi​

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 combines crop insurance and personal accident insurance for valued bancassurance farmer customers.

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Pradhan Mantri Fasal Bima Yojana

A government crop insurance scheme providing financial support to farmers suffering crop loss/damage arising out of unforeseen circumstances.
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Restructured Weather Based Crop Insurance Scheme

A government scheme to mitigate the hardship of the insured farmers against the likelihood of financial loss on account of anticipated crop loss resulting from adverse weather conditions.
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A Kshema product

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.
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A Kshema product

Kshema Bharat Sookshma Udyam Suraksha

The Kshema Bharat Sookshma Udyam Suraksha policy provides comprehensive protection micro enterprise from losses due to unforeseen risks.
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A Kshema product

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.
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A Kshema product

Kshema Standard Fire and Special Perils Policy

The Kshema Standard Fire and Special Perils Policy offers comprehensive protection for your property against fire and a range of specified perils.
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A Kshema product

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.
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A Kshema product

Kshema Shop Insurance Policy

The Kshema Shop Insurance Policy offers comprehensive protection to shops and commercial establishments against losses arising from fire, burglary, and other unforeseen risks.
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A Kshema product

Kshema Individual Personal Accident Policy

The Kshema Individual Personal Accident Policy provides financial protection in case of death or disability due to an accident, as per the policy terms and conditions.
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A Kshema product

Kshema Group Personal Accident Policy

The Kshema Group Personal Accident Policy provides financial protection to the insured group members, in case of accidental death or disablement due to an accident, as per the policy terms and conditions.
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A Kshema product

Kshema Hospi DinDhan Suraksha (Retail)

Kshema Hospi DinDhan Suraksha is a daily cash benefit plan designed to ease your financial burden in case of hospitalisation, as per the policy terms and conditions.
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A Kshema product

Kshema Hospi DinDhan Suraksha (Group)

Kshema Hospi DinDhan Suraksha (Group) is a daily cash benefit plan designed to ease the financial burden on the insured group members in case of hospitalisation, as per the policy terms and conditions.
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A Kshema product

Kshema Compulsory Personal Accident Policy

Personal accident cover designed to provide financial protection in case of accidental death or disability of the owner-driver, as mandated under applicable motor insurance regulations.
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A Kshema product

Kshema Two-Wheeler Liability Only Policy

Kshema Two-Wheeler Liability Only Policy protects you against third-party legal liabilities arising from the accident caused by your two-wheeler—ensuring compliance with the Motor Vehicles Act and helping you ride with confidence.
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A Kshema product

Kshema Two Wheeler Long-Term Liability Only Policy

Kshema Two-Wheeler Long-Term Liability Only Policy protects you against third-party legal liabilities arising from your two-wheeler while ensuring long-term compliance with the Motor Vehicles Act no annual renewals, just long-lasting peace of mind.
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A Kshema product

Kshema Two-Wheeler Standalone Own Damage Policy

The Kshema Two-Wheeler Standalone Own Damage Policy offers protection for your two-wheeler against accidental damage, theft, fire, natural calamities, and other specified perils. It helps cover repair or replacement expenses arising from covered incidents, ensuring peace of mind.
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A Kshema product

Kshema Two-Wheeler Package Policy

The Kshema Two-Wheeler Package Policy offers comprehensive protection for your two-wheeler against accidents, theft, fire, natural calamities, and other specified perils. It also covers third-party liabilities arising from the use of the vehicle, indemnifying you against legal liabilities towards third parties.
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A Kshema product

Kshema Two-Wheeler Bundled Policy

The Kshema Two-Wheeler Bundled Policy offers protection for new two-wheelers by combining one year of own damage cover with five years of third-party liability cover under a single policy. It helps ensure seamless own damage coverage and financial protection against third-party liabilities.
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Kshema Private Car Liability Only Policy

The Kshema Private Car Liability Only Policy protects you from legal liabilities arising due to accidents involving your private car including third-party injury, death, or property damage while ensuring compliance with the Motor Vehicles Act.
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Kshema Private Car Long-Term Liability Only Policy

Kshema Private Car Long-Term Liability Only Policy protects you against legal liabilities to third parties over an extended coverage period helping you stay compliant with the Motor Vehicles Act while driving with peace of mind.
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A Kshema product

Kshema Passenger Carrying Vehicle Package Policy

The Kshema Passenger Carrying Vehicle Package Policy offers comprehensive protection for your commercial vehicles used for passenger transportation. It covers loss or damage to your vehicle due to accidents, theft, and specified perils, along with third-party liability.
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A Kshema product

Kshema Passenger Carrying Vehicle Liability Only Policy

The Kshema Passenger Carrying Vehicle Liability Only Policy provides mandatory coverage for legal liabilities arising from accidents involving your insured vehicle including injury or death to third parties, damage to third-party property, and personal accident cover for the owner-driver.
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A Kshema product

Kshema Goods Carrying Vehicle Liability Only Policy

Kshema Goods Carrying Vehicle Liability Policy offers third-party coverage for trucks, tempos, and other commercial goods carriers, ensuring that you stay protected from unexpected liabilities on the road.
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A Kshema product

Kshema Miscellaneous Vehicle Liability Only Policy

Third‑party liability cover for miscellaneous vehicles like tractors, road rollers, etc. protects you from financial liability arising from third‑party injury, death, or property damage due to an accident involving the vehicle.
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A Kshema product

Kshema Surety Bond Insurance

Kshema Surety Bond Insurance is structured to safeguard business & project owners against losses arising from a contractor’s failure to comply with agreed contractual obligations, whether at the bidding phase or during project execution.
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Frequently Asked Questions

How can I apply for the insurance?
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 insured.
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.

What is the sum insured?
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.

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