Kshema is a fully digital insurance provider building financial resilience among farmers from income shocks due to extreme climate events and other perils.
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.
A Kshema product
A comprehensive insurance policy against 8 perils providing maximum coverage based on input cost of the crop.
Cyclone, inundation, flood, hailstorm, landslide, earthquake, fire due to lightning, animal attack.
seasonal crops covered
A Kshema product
Our customised solution which allows a farmer to protect their crops by choosing a combination of 2 natural perils – one major and one minor – from a predetermined list.
A combination of 1 major peril and
1 minor peril from a list of 8 perils
seasonal crops covered
Starts at only ₹499 per acre
* Minimum premium for Kshema Sukirti and Prakriti is ₹499 per policy.
Behind every milestone lies a dedicated team and visionary leadership – get to know ours.
Respecting our customers and caring for them is at the core of everything we do. It defines our work every day.
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.
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.
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 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.
