Premium starts at just INR 499
Customised coverage
100+ crops covered
Choose 2 out of 8 perils
Kshema Sukriti is an affordable crop insurance policy that offers tailor-made protection to crops for a basic premium, starting at INR 499. This product gives farmers the freedom to choose protection against a combination of one major and one minor peril from a list of 8 predetermined perils.
Customise the plan to protect your crop from the peril most likely to cause damagePremium starts from INR 499Get additional insurance to the nearest multiple of INR 5,000
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.
Farmers whose farm area is less than 2 hectares, looking for affordable crop insurance.
A customisable and affordable crop insurance solution that lets you choose the perils your crop needs protection from
Allows farmers to select 2 perils out of a list of 8 based on crop type, location, and local risk exposure
Claims are assessed using defined processes supported by satellite data and submitted evidence
Suitable for farmers seeking affordable and customisable protection from perils most likely to affect their crop
Once you purchase any of Kshema’s crop insurance policy, your policy documents are shared digitally with all coverage details.
Major Peril
Choose 1 peril from each category to make your combination
Minor Peril
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.
Scan to download our App
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.
