Prices starting at just INR 1499
Farm-based coverage.
100+ Crops
8 Perils
Comprehensive coverage designed for your peace of mind
Kshema Prakriti is a comprehensive crop insurance solution for farmers protecting their crops against 8 perils. The premium payable on the policy, and the sum insured is calculated based on the cost of cultivation for each crop, the duration of each crop, and location.
Farm-based coverage.100+ crops covered.Kshema Nilgai Protection Add On Cover is applicable to Madhya Pradesh State only
Our Crop insurance policy are available to different categories of agricultural stakeholders
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.
Comprehensive crop insurance policy designed to protect your crops from 8 listed perils
Coverage meant to protect crops against 8 perils
Claims are assessed using satellite-based imagery for faster and transparent settlement
Protection from crop damage caused by Nilgai attack is available in the state of Madhya Pradesh only
Once you purchase any of Kshema’s crop insurance policy, your policy documents are shared digitally with all coverage details.
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 | Customizable | 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 |
Timing is critical for crop insurance. Ensure you purchase your policy within the designated enrolment windows to stay protected.
Available only during state‑specific seasonal windows.
Must be applied within 15 days of sowing the insured crop.
Only within the enrolment window (allowed if sowing is delayed).
If the sowing date is more than 15 days earlier than the quote date, the policy becomes void.
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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.
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 crop insurance solution ? Our representative will guide you through the plans and help you buy a policy.
