About Kshema

Kshema is a digital insurance provider offering a broad range of products across both retail and corporate segments, with a primary focus on serving rural customers and contributing to the vision of a financially resilient Bharat. Founded in 2018, the company initially specialised in crop insurance and has since diversified its portfolio to include health, motor, property, fire, and liability insurance. Leveraging data-driven AI technologies, Kshema delivers a seamless and consistent experience for its customers and partners.

The Kshema General Insurance lockup on a white cloud

Our Products

This is done through Kshema's proprietary platform Kshema – developed in-house and continuously upgraded – to sell its products – Sukriti, Prakriti and address pre-harvest risk at a farm level.

Our Vision
Create and enable comprehensive strategies of drought- resilience towards reducing multi-dimensional poverty and building socio-ecological resilience to emerging drought.
Our Mission
Enable farmers moving away to different streams like agri-tech providers thus creating more skilled manpower and other avenues, thus, improving sustainability of farming.

Amalgamating industry expertise with a zeal to bring in change

Behind every milestone lies a dedicated team and visionary leadership – get to know ours.

Our Core Strengths

Discover how we're making a difference in the agricultural community through our comprehensive approach

Customers first
Respecting our customers and caring for them is at the core of everything we do. It defines our work every day.
Accessibility
We are relentless in our endeavour to not only connect customers but make it simpler for them to access the best crop insurance solutions on their fingertips.
Succeeding as a team

We are working towards protecting the farmer from income shocks by providing the safety net of affordable crop insurance.

Climate Risk Insurance: a chart contrasting a farmer's income with and without risk management options against the poverty line

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Need help with finding the best insurance solution? Our representative will guide you through the plans and help you buy a policy.

United by our purpose, we live by a collective commitment to honesty, integrity and innovation. We believe in being open and inclusive, accepting and applying the best ideas from every part of our company.

Delivering promises

We are committed to delivering our promise of building financial resilience from natural perils among farmers by making crop insurance accessible and the settlement of claims quicker.

Integrity

Integrity is the North Star that dictates the path we take. We are honest, transparent, ethical, and fair in our dealings with customers, employees, and stakeholders alike.