Sukriti
A Kshema product
Kshema Sukriti is the most affordable crop insurance policy that offers tailormade protection to crops for a basic premium, starting at 499 INR. This product gives a farmer the freedom to choose protection against a combination of one major and one minor peril from 8 predetermined perils.
- Choose protection against any 2 perils from our list of 8 predetermined perils.
- Get additional insurance when the policy begins, to the nearest multiple of 5000 INR.
- Premium starts at 499 INR.
- Kshema Nilgai Protection Add On Cover is applicable to Madhya Pradesh State only.
Choose protection against any 2 perils
Major Perils
Minor Perils
Compare and Select the Best Insurance
Starts at
1499 INR |
Starts at
499 INR |
Starts at
199 INR |
|
|---|---|---|---|
| Coverage | Comprehensive | Customizable | Budget-friendly |
| Perils Covered | Flood, Inundation (Not applicable to Hydrophilic crops), Named Cyclone, Storm, Animal Attack by ( Elephant, Wild Boar) , Earthquake including Tsunami, Fire due to lightning, Landslide | Combination of 1 major peril and 1 minor peril from a list of 8 perils (will add the list also) | Flood, Inundation (Not applicable to Hydrophilic crops), Named Cyclone, Earthquake, Fire due to lightning, Landslide |
| 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 |
Policy Documents
पॉलिसी दस्तावेज़
ಪಾಲಿಸಿ ದಾಖಲೆಗಳು
கொள்கை ஆவணங்கள்
વારંવાર પૂછાતા પ્રશ્નો
নীতি সংক্রান্ত নথি
ପଲିସି ଡକ୍ଯ଼ୁମେଣ୍ଟ
ਨੀਤੀ ਦਸਤਾਵੇਜ਼
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 selected perils by You one from the major perils and one from the minor perils from the list below:
Major Perils
a) Flood
b) Inundation (Not applicable to Hydrophilic crops)
c) Named Cyclone
d) Storm
Minor Perils
a) Animal Attack by
1.Elephant
2.Wild Boar
b) Earthquake including Tsunami
c)Fire due to lightning
d)Landslide
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 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, perils and location. The minimum premium under this policy is 499 INR (Four Hundred Ninety-Nine.) (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 documents as required based on the proposal.
Loss is assessed through remote sensing technology and satellite imagery.
Yes, there is 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.
Yes, you can cancel this Policy at any time by intimating to us in writing or through Kshema Application. The Policy will terminate when we receive Your notice.
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
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.
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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.
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