Prakriti
A Kshema product
Kshema Prakriti is a comprehensive crop insurance solution for farmers protecting their crops against 8 perils. The premium payable on the policy, and the sum insured is calculated based on the cost of cultivation for each crop, the duration of each crop, and location.
- Farm-based coverage.
- 100+ crops covered.
- Buy as you sow, no cutoff dates.
Protect your crops from 8 Natural Perils
Fire due to lightning
Landslide
Cyclone
Flood
Inundation
Earthquake
Animal attack
Hailstorm
Compare and Select the Best Insurance
Starts at
₹499 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
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.
a) Cyclone
b) Earthquake
c) Flood
d) Hailstorm
e) Inundation (not applicable to Hydrophilic crops)
f) Landslide
g) Natural fire due to lightning.
h) Animal attack by Monkey / Wild Boar / Elephant / Rabbit only for a maximum Sum
Insured of 25% of the Policy Sum Insured.
The sum insured under this policy is decided based on the cost of cultivation for each crop with respect to the location of the farm. The Sum Insured under animal attack coverage is restricted for a maximum Sum Insured of 25% of the policy Sum Insured.
The premium payable on the policy would be dependent on the crop, duration and location. The minimum premium under this policy is Rs.1499/- (Rupees One Thousand Four Hundred and Ninety-Nine only) (Including GST).
Policy incepts from the next day of sowing or receipt of premium whichever is later.Accordion Content
Enrolment into Kshema App, 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.
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.
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.
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.
You can cancel this Policy at any time by giving Us notice in writing or through Kshema
Application. The Policy will terminate when we receive Your notice. Premium will be refunded proportionately for unexpired period.
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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.