A Kshema product

Kshema Prakriti is a comprehensive crop insurance solution for farmers protecting their crops against 9 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.

Protect your crops from 9 Natural Perils

Policy Documents


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
Aircraft damage
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

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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