Crop insurance policies help farmers protect their crops from sudden and unpredictable events such as floods, cyclones, hailstorms and animal attacks. Small and large farmers across India face rising climate risks, and understanding what perils are covered is essential for securing farm income. This guide clearly explains the major perils covered under crop insurance policies and how Kshema’s crop insurance policies ensures farmers stay financially protected.
Farmers cannot always predict weather events or control external dangers, which makes crop insurance policies vital for every cropping season. Whether it is standing crop loss, soil erosion or physical crop damage, knowing the covered perils helps farmers choose the right protection.
Introduction to Kshema’s Crop Insurance Policies
Farming is an uncertain activity in the best of circumstances. However, irrespective of the number of precautions undertaken, crop yields can still be impacted significantly by factors beyond the control of farmers. Whether it’s a weather-related disaster, or an animal attack, these risks can have devastating consequences. Kshema crop insurance policies are designed to offer protection against these specific dangers. These insurance policies cover a variety of natural and external events that can lead to crop loss, offering farmers financial support and helping them recover more quickly.
1. Fire Due to Lightning
2. Landslides
3. Cyclone
4. Flood
5. Inundation
Inundation refers to prolonged waterlogging where farmland remains submerged for many hours or days, causing crop suffocation and complete failure. This can occur due to floods or heavy rainfall that overwhelms the land’s drainage capacity. Inundation can cause crops to drown, leading to reduced growth or complete crop failure. Kshema’s crop insurance policies cover losses due to inundation, ensuring farmers have the requisite protection if their crops are ruined due to excessive water exposure.
6. Earthquake
7. Animal Attack
Animals such as rabbits, monkeys, wild boars and elephants can destroy crops by eating, trampling or digging into fields. These sudden attacks can wipe out crops overnight, making insurance protection essential.”. An unexpected animal attack can cause extensive damage to an entire crop field, making it difficult for farmers to recover financially. Kshema covers losses caused by animal attacks, ringfencing the income of farmers.
8. Hailstorm
Why Farmers Need Kshema Crop Insurance
The perils covered by Kshema are some of the most significant risks that farmers face in their profession. Without insurance, a single event—whether it’s a cyclone, hailstorm, or animal attack—can wipe out a year’s worth of hard work and financial investment. By offering coverage for these specific perils, Kshema helps to alleviate financial stress and allows farmers to recover, replant for the next season, and rebuild after a loss.
Additionally, the peace of mind that comes with knowing that their crops are protected against a range of unpredictable events is invaluable to the farmers. This sense of security enables them to focus on improving their agricultural practices and growing their businesses, knowing that they have financial support when disaster strikes.
How Crop Insurance Policies Help Farmers Recover
Crop insurance policies ensure farmers do not bear the full cost of crop loss. After disasters like floods, hailstorms or animal attacks, farmers receive compensation that helps them replant, buy inputs and prepare for the next season without falling into debt.
Conclusion
Crop insurance policies give farmers strong protection against unpredictable natural and external risks. By covering perils such as lightning fires, flood, cyclone, hailstorm and animal attacks, Kshema ensures farmers can continue farming without financial fear. With reliable compensation and flexible coverage options, Kshema General Insurance helps farmers secure their livelihood and prepare confidently for the next season.
Frequently Asked Questions (FAQs)
1. What perils do crop insurance policies cover?
They cover flood, cyclone, hailstorm, lightning fires, earthquake and animal damage.
2. Are localised weather events covered?
Yes, many policies include protection from specific localised climate risks.
3. Does crop insurance cover sowing failure?
Some policies include sowing failure under weather triggered risks.
4. Are post harvest losses included?
Certain policies cover post harvest damage from unseasonal rain.
5. How can farmers see which perils are covered?
Farmers can check coverage details on the Kshema App or policy document.
