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 cent |
|
|---|---|---|---|
| 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
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.
Loss or Damage to crop insured caused by the perils listed below:
a) Named Cyclone
b) Earthquake
c) Flood
d) Inundation (not applicable to Hydrophilic crops)
e) Landslide
f) Fire due to lightning
Sum Insured is equal to the cost of cultivation as determined by the SLTC of respective district or based on our internal estimation. The sum insured varies depending upon the crop, location and crop duration.
The premium payable on the policy would be dependent on the crop, duration and location.The minimum premium under this policy is Rs. 199/- (Rupees One Hundred and Ninety-Nine only) (Including GST).
Policy incepts from the next day of sowing or receipt of premium whichever is later.
Enrollment into Kshema Application, submission of proposal form, capturing Farm Polygon, submitting land record, Tenancy certificate if tenant farmer, KYC and any other document as required based on the proposal.
No, there is no add on available for this policy.
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 Loyalty Bonus and No Claim Discount 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 assessment is also done in special cases.
No, there is no excess available for this product.
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
• Loss or damage considered for entire insured area.
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 intimating to us in writing or through Kshema Application. The Policy will terminate when we receive Your notice.
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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.
We have sent the Kshema app download link to your mobile via SMS and WhatsApp +91-
- 100+ crops covered
- Policies start from INR 499 per acre
- Hassle-free claims process
