Who is Eligible for Crop Insurance? A Complete Guide

Crop insurance is a critical safety net. It not only protects farmers from livelihood loss but also builds financial resilience among them. 

At the heart of Kshema General Insurance lies a bold vision: to shift the mindset from traditional, defensive risk management to a strategic and progressive approach to resilience. We believe that true strength lies not just in surviving uncertainty, but in being prepared for it. 

And Kshema fulfills this vision by providing tailored crop insurance solutions to help farmers secure their livelihoods. But who qualifies to buy a crop insurance policy?  

In this guide, we’ll explore the eligibility for crop insurance, key requirements, and how Kshema General Insurance can help you protect your crops effectively. 

Who can buy a crop insurance policy? 

Individual Farmers and Landowners 

Farmers who grow crops on their own land are the major beneficiaries of crop insurance. You must: 

• Own land where you actively grow crops. 

• Cultivate insurable crops. 

• Be located in a region where crop insurance is available. 

With Kshema, farmers can access comprehensive as well as customised crop insurance policies that cover more than 100+ crops and protect from up to 8 perils. 

Tenant Farmers and Sharecroppers 

Even if you don’t own the land, you can still qualify for crop insurance. Tenant farmers and sharecroppers who lease land for cultivation are eligible if they: 

• Have a valid lease agreement with the landowner. 

• Bear the responsibility of crop management and production expenses. 

Affordable & Customisable Policy  

Kshema has designed its crop insurance plan – Kshema Sukriti – by keeping affordability and customisation in mind for farmers who are looking for tailormade solutions. 

Kshema Sukriti offers: 

• Affordable premium rate, starting at INR 499 / acre .  

• Flexibility to choose 2 out of the 8 listed perils based on the risks in your area 

Factors Affecting Crop Insurance Eligibility 

Several factors determine whether you qualify for crop insurance, including:  

Type of Crops Grown 

Certain crops are more prone to specific risks than others. Kshema covers a wide range of crops, but the availability of the insurance policy or premium may depend on: 

• Regional agricultural practices. 

• Crop-specific risk levels. 

Location and Climate Conditions 

Insurance providers assess regional risks before issuing policies. High-risk areas prone to perils like floods, or cyclones may have: 

• Higher premiums due to increased risk. 

• Limited coverage options based on historical loss data. 

Kshema General Insurance offers comprehensive plans as well apart from customised solutions, based on location-specific risks, ensuring farmers in vulnerable regions get the protection they need. 

Previous Insurance Claims and Risk History 

A history of frequent insurance claims may lead to: 

• Higher premium rates. 

• Restrictions on certain types of coverage. 

• More stringent eligibility checks. 

 How to Apply for Crop Insurance with Kshema General Insurance 

If you meet the eligibility criteria, here’s how you can apply: 

1. Choose the right policy – Explore Kshema General Insurance’s crop insurance options. 

1. Gather necessary documents – Include land ownership or lease agreements and crop production records. 

1. Download the Kshema App – Download the Kshema app on your phone, mark your farm, choose a policy and pay the premium. 

1. Consult an insurance expert – Get advice on the best policy for your farming needs by calling our toll-free number 1800 572 3013. 

1. Stay informed – Follow up on policy updates and claim procedures. 

Conclusion 

Crop insurance is essential for protecting farmers against financial losses due to natural disasters and unpredictable events. Whether you are a marginal farmer, tenant, or a large farm-land owner farmer, Kshema General Insurance offers tailored solutions to ensure your financial resilience. 

If you’re looking for a reliable crop insurance provider, Kshema General Insurance is here to help. Contact us today to explore the best insurance options for your crop! 

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