Customised and comprehensive crop insurance policies for India’s farmers
100+ crops
Quick claims
Solutions to protect farmers from income loss caused by damaged crops
Crop insurance is a protection plan that protects farmers from financial losses when crops are affected by natural perils
Major Perils: Flood, Inundation, Named Cyclone, Storm
Minor Perils: Animal Attack, Earthquake including Tsunami, Fire due to Lightning, Landslide
Ensure you purchase crop insurance at the right time to maximise coverage and meet policy enrolment requirements.
Purchase your policy during the designated enrolment period for the respective crop season.
Ensure you buy the policy within two weeks of sowing.
Make sure you complete the enrolment process before your state’s cut-off date for PMFBY or RWBCIS.
Any farmer can buy our crop insurance policies according to their need.
Individual farmers who own agricultural land and cultivate crops on it.
Farmers who lease or rent agricultural land for cultivation purposes.
Farmers who cultivate land owned by others and share the crop yield as compensation.
Learn the BasicsUnderstanding these common terms will help you make informed decisions when choosing crop insurance.
A farmer faces direct financial loss if the insured crop is damaged, typically proven by land records, tenancy agreements, or bank loan documents.
The specific period during which farmers can purchase crop insurance for a particular crop season.
Events or risks such as floods, cyclones, fire due to lightning, or animal attack that can damage crops.
Specific situations or conditions under which crop losses are not covered by the policy.
The main crop seasons in India, with Kharif crops sown during monsoon and Rabi crops during winter.
The date on which the crop is planted, used to determine policy eligibility and coverage timelines.
The maximum amount payable by the insurer in case of crop loss. Typically, calculation is based on crop type and input costs.
The clearly defined outer limits of a farm or agricultural land parcel, used to identify the insured area for coverage, assessment, and claim settlement under a crop insurance policy.
Refers to the development phase of the crop, such as sowing, vegetative, or harvesting.
Understanding these factors helps determine your crop insurance premium
Learn the BasicsChoose a crop insurance plan that fits your needs by evaluating risks in your area and the key factors affecting coverage and premium.
Different crops carry different risks. Choose a plan that covers the specific crop you cultivate.
Ensure your farm area meets eligibility requirements, as coverage may vary by insured land size.
Assess local climate risks such as flood, cyclone, or animal attack and select relevant peril coverage.
Check sowing date timelines and crop duration to ensure the plan aligns with your crop cycle.
Consider no claim bonus and loyalty benefits that may help lower premiums over time.
Crop coverage designed to protect your income
Crop loss assessment supported by satellite imagery to enable faster claim evaluation
App-based journey from buying to filing claims makes it easier to manage your crop insurance policy
Choose coverage based on relevant perils and requirement
Our OfferingsThrough hi-tech yet simple-to-use solutions, we are securing the future of India’s farmers against unpredictable climate events which are becoming more frequent and intense.
Prakriti
Comprehensive crop insurance against 8 listed perils
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Sukriti
Choose crop cover against 2 out of 8 perils
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Samriddhi
Comprehensive crop insurance from 1 - 25 cent farm size
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Kisan Sathi
Dual-benefit bancassurance product combining crop & personal accident insurance
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A weather-based government crop insurance scheme
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A government crop insurance scheme
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We offer protection against 8 key perils. Please refer to our individual crop insurance policies to select coverage based on your crop and location.
Compare and select the best crop insurance policy based on your farming risks.
| Feature / Coverage | Prakriti | Sukriti | Samriddhi |
|---|---|---|---|
| Starts at | INR 1499 | INR 499 | INR 199 |
| Coverage | Comprehensive | Customisable | Affordable |
| No of Perils | 8 | 2 | 6 |
| Perils Covered | Flood, Inundation (Not applicable to Hydrophilic crops), Named Cyclone, Storm, Animal Attack (Elephant, Wild Boar), Earthquake including Tsunami, Fire due to lightning, Landslide | Combination of 1 major peril and 1 minor peril from the list of 8 perils | 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 for farmers to select perils | Ideal for small land holdings (1 to 25 cents), covers 6 natural perils, exclusively available in Himachal Pradesh and Uttarakhand |
PMFBY is a government crop insurance scheme that provides financial support to farmers suffering loss/damage arising out of unforeseen circumstances. It aims to ensure the stabilization of income for farmers to aid their continuance in agriculture.
Once you purchase any of Kshema’s crop insurance policy, your policy documents are shared digitally with all coverage details.
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Buy policies, file claims, track status, and get support - all from our easy-to-use mobile app. Available in Hindi, English, and 10+ regional languages.
Documentation GuideComplete guide for documents required to buy and claim crop insurance policies
I want to thank Kshema. Their representatives are very helpful whenever we need their advice. We understood that the loss we suffer during the monsoon season could be reduced by Kshema Crop insurance. We bought it and we have benefited form it.
I bought crop insurance from Kshema and the process was quick and easy. Natural calamities frequently affect our fields, but now I feel secure knowing my crops are insured. I advise all my relatives and acquaintances to buy crop insurance from Kshema.
Cyclone Michaung completely damaged my crop. I had purchased Kshema Sukriti through the Kshema App. I recieved the claim amount within 48 hrs of intimation due to this, me & family are able to face the financial hurdles.
Need help with finding the best insurance solution ? Our representative will guide you through the plans and help you buy a policy.
