KSHEMA GENERAL INSURANCE LIMITED

Kshema Sukriti

UIN: IRDAN162RPCR0006V02202425

Kshema Sukriti

Customer Information Sheet

This document provides only key information about your policy. Please refer to the policy document for detail
terms and conditions.

Policy Section
Sl No Title Description
Number

(Please refer to applicable Policy Clause

Number in next column)

Name of
1 Insurance Kshema Sukriti Section 1
Product

Unique Ident
ification Nu
2 IRDAN162RPCR0006V02202425
mber allotte
d by IRDAI
Indemnity : The Indemnity amount shall be arrived
Structure/Ty after applying the percentage of loss determine
3 pe of Insura through satellite image / pictures obtained through Section 10(e)
nce Product app / drone images on the value of the crop
corresponding the duration of the crop.
Sum Insuredrefers to the maximum amount that
an insurance company agrees to pay in the event of
admissible loss or claim. It represents the peak
4 Sum Insured Section 4
value of the crop insured. Sum insured for the crop
is based on the input cost as determined by
SLCCC/internal data.
Interests ins
ured/Segmen For Farmers/ Cultivators - cultivation seasonal
5
ts for covera crops less than 180 days
ge
Loss or Damage caused by the operation of
any two of the following Perils selected by the
farmer. The farmer can select 1 peril from
each of the categories.
Major Perils
a) Cyclone
b) Flood
Policy
c) Hailstorm
Coverage
6 (What the d) Inundation (Not applicable to Hydrophilic Section 3
crops)
policy
covers?) Minor Perils
a) Animal Attack by Monkey / Wild Boar/
Elephant/ Rabbit only for a maximum sum
insured of 25% of the policy sum insured
b) Earthquake
c) Landslide
d) Natural fire due to lightening

Available
Add on
7 covers for No add on’s
the said
Product
 Deductible /
Excess / Co-P
8 No Excess. Section 7i
ay and Depre
ciation, unde
r-insurance
The Company shall not cover losses and damages
occurred due to the following.

a) War Risk: Loss as a consequence of war,

invasion, act of foreign enemy, hostilities
(whether war be declared or not), civil
war,rebellion, revolution, insurrection,
military or usurped power,confiscation,
nationalization, civil commotion, loot, pillage
in connection therewith;
b) Nuclear Risk: Any loss to the insured crop
arising from ionizing radiation or
contamination by radioactivity from any
nuclear fuel or from any nuclear waste from
the combustion of nuclear fuel or the
radioactive, toxic, explosive or hazardous
properties of any nuclear assembly or nuclear
component;
c) Consequential loss: Consequential loss of any
kind or description
d) Malicious damage, arson and other
Exclusions preventable risks;
(what the e) Terrorism: Any loss to Crop on account of
9 terrorist activities; Section 5
policy does
not cover) f) Pollution or contamination of any kind;
g) Political risk or Loss or damage caused by an
order of any governments or any other
authority;
h) Volcanic eruption, costal or river erosion or
other convulsions of nature;
i) Theft, riot and strike;
j) Non cultivation of Crop during the Period of
Insurance;
k) Post harvest losses for crops which are
required to be dried in cut and spread / small,
bundled condition depending on the
requirement of the crops in that area kept in
the field.
l) Animal attack caused by any animal other
than the animal specified in the clause 3 of
the policy schedule i.e. Coverage;
m) Coverage of Hydrophilic crops against
inundation
n) By any other peril, which is not explicitly
covered in the Policy Schedule.
On occurrence of loss, proportional Sum Insured to
Special the extent of area under loss stands reduced from
Conditions the total Sum Insured for the area Insured.
10 and Any special provisions subject to which this Policy Section 8 & 12
warranties has been entered into and endorsed in the Policy
(if any) shall be deemed to be part of this Policy and shall
have effect accordingly.
Procedure of Applying Claim:

a) Report the loss immediately via Kshema App,

email, or toll-free number within 24 hours.
b) Minimize the loss as if no insurance coverage
exists.
c) Take photos of the damaged crop using
Admissibility Kshema App.
11 Section 6,10
of Claim
d) Record a video of the entire affected field as
per Kshema's video guide.
e) Provide a detailed description and estimated
loss without including any profit.
 f) Disclose details of other insurances covering
the same crop.

g) Protect the damaged crop and reduce further

loss until assessment is complete.

Loss Assessment:

a) Loss event detection will be done through

remote sensing satellite image/ drone /
Pictures captured through app/ local news
b) If total sum insured mentioned in the policy or
total sum insured equal to the stage of the
crop is paid as per the table below, the policy
automatically get cancelled.
c) The amount of loss would be assessed based
on the below Compensation table.
Compensation
Percentage of
percentage
Stages Duration of the
(Proportionate
Crop from the date
of Sum
of sowing
Insured)
1 up to 15% 15%
2 Above 15% up to 30% 25%
3 Above 30% up to 60% 60%
4 Above 60% up to 85% 80%
5 Above 85% 100%

The Indemnity amount shall be arrived after

applying the percentage of loss determine through
satellite image / pictures obtained through app /
drone images on the value of the crop
corresponding the duration of the crop.
In case the extent of crop damage is determined to
be more than 85%, the loss would be treated as
total loss and total value of the crop corresponding
to the stage is payable. The policy stands cancelled
upon payment of loss.

In the event of claim falling under the stages I to 4,

proportionate sum insured will be exhausted for the
affected area and the Policy shall continue for the
remaining period for unaffected area with the
reduced sum insured. The Loss shall be arrived by
using the formula:

Compensation = Sum insured x corresponding

Compensation percentage to the stage of the crop x
extent of insured area affected x Loss percentage

Example:
Area insured 1 Ac
Area affected 50%
Stage of the crop - 3
Sum Insured= Rs 20000/​
Duration of crop 180 days
Damage on 80th day.
Loss percentage based on Image algorithm - 50%
Percentage of duration of crop= 80/180 x 100 =
44%
Compensation Percentage applied on 80th day=
60%
Sum insured x corresponding Compensation
percentage to the stage of the crop x extent of
insured area affected x Loss percentage
Claim Payable = 20000 x 60% x50% x50% = Rs
3000/-

Toll free / IVRS number of the insurer: Toll free

No.1800 572 3013
 Website / Email: Visit www.kshema.co OR
customer.support@kshema.co
Policy
Servicing - In the unfortunate event of occurrence of any
peril/’s covered under this Policy, which is
Claim
12 mentioned in section 3, that resulted in loss or Section 6 & 22
Intimation
damage to the Crop, You are required to take
and
following actions:
Processing
a) Immediately intimate the loss through Kshema
Application or by email to
customer.support@kshema.co or Toll-Free
number 18005723013 along with your Policy
details not later than 24 hours of occurrence of
peril;
b) Take all steps to minimize the loss, as if no
insurance has been taken;
c) Take photographs of the loss/ damage crop
through Kshema Application;
d) Take video of the entire affected field as per
the instruction in the video guide of Kshema
Application;
e) Inform particulars of all other insurances
covering the same Crop at the time of loss;
The protection of policyholders' interests is a
fundamental aspect of the insurance industry aimed
at safeguarding the rights and ensuring fair
treatment of individuals or entities holding
Grievance Re
insurance policies. Various regulatory frameworks,
dressal and
13 guidelines, and industry practices are in place to Section 22
Policyholder uphold the interests of policyholders in order to
s Protection ensure Transparency & disclosures, Fair treatment,
Compliance with regulations, Privacy and data
protection, Prompt claims settlement, Grievance
Redressal Mechanisms etc
Details of Grievance Redressal Officer of the
insurer: Chief Grievance Officer at gro@kshema.co
Bima Bharosa Portal:
https://bimabharosa.irdai.gov.in/
Ombudsman:
http://www.cioins.co.in/ombudsman.htm
Toll free No.1800 572 3013 or email us at
customer.support@kshema.co
To disclose all material information at time of filling
the proposal form:
You are at obligation to disclose all material
information in the Proposal form. In the event of
fraud by you, the Policy shall be void.
You can cancel this Policy at any time by giving Us
notice in writing or through Kshema Application. The
Policy will terminate when we receive Your notice.
We will not cancel the Policy during the policy period
except on the grounds of fraud. In both the cases,
proportionate Premium for the unexpired period
shall be refunded.
Obligations of
In case of any change / modification / addition to the
prospective
14 already declared information the same shall be Section 7,15,20
Policyholder /
brought to the notice of the insurer immediately.
Customer
a) Incontestability and Duty of Disclosure: The
Policy shall be null, and void and no benefit
shall be payable in the event of untrue or
incorrect statements, misrepresentation,
misdescription, or non​ disclosure of any
Material change or particular in the proposal
form and/or personal statement and/or
declaration made through proposal form
(WPF/DPF/VPF) and/or connected documents.
b) Reasonable Care: You shall take all
reasonable steps to safeguard the interests of
the insured property (Crop) against loss or
 damage that may give rise to a claim.
c) Observance of terms and conditions: The due
observance and fulfilment of the terms,
conditions, and endorsement of this Policy in
so far as they relate to anything to be done or
complied with by You shall be a condition
precedent to any liability of Us to make any
payment under this Policy.
d) Change of sowing date: No change in sowing
date shall be allowed more than 2 times
during the enrolment window. No further
change is allowed after the cut-off date.
Change of sowing date shall be only
prospective to the initial date of sowing
declared. No change in sowing date shall be
made after claim is reported.
e) Change of Crop: No change in crop shall be
allowed for more than once during the
enrolment window. No further change is
allowed after the cut-off date. The change
shall be intimated before sowing of the
proposed crop. No change in sowing date
shall be made after claim is reported.
f) The Policy becomes void from inception, and
no loss/damage shall be payable if the Crop as
declared for insurance by the insured in the
Proposal Form, and the actual Crop on the
field are different.
g) Any expenses whatsoever incurred by You in
connection with or in respect of any loss,
howsoever caused, even if such loss results in
diminished agricultural output/ yield or
increased operational costs shall not be
payable.
h) Any expenses whatsoever incurred by You for
removal of any damaged crops, debris, or any
substance from the farm, whether such
damaged occurred due to covered perils or
otherwise, shall not be payable.
i) Excess: Nil
j) Contribution clause: In the event the same
crop in the same farm land is insured under
more than one insurance and If loss arises on
the said farm land and the loss is covered
under both the insurance policies, We shall be
liable to pay ratable proportion of the claim
amount based on the coverage the insurance
policy provides.
k) Non-adherence to the terms and conditions of
this Policy shall render the Policy voidable.
Disclosure of other material information
during the policy period: Insured can contact our
Customer Services over phone at the Toll free
No.1800 572 3013 or write to us at
customer.support@kshema.co to intimate any
change to the material information affecting the
policy.
This policy is mobile application driven the details
have to be provided in the application itself. The
farm boundaries are to be geo-tagged and should
upload documents required for KYC and Farm
details.

Declaration by the Policyholder:

I have read the above and confirm having noted the details.

Place:
(Signature of the Policyholder)
Date:

Note:
1. You may go through the policy related documents including CIS on our website at https://kshema.co/
2. In case of any conflict, the terms and conditions mentioned in the policy document shall prevail.

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad - 500 016, Telangana, India Corp Off: 10th floor,
Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081 T: 18005723013 | E: customer.support@kshema.co|
www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED

Kshema Sukriti

UIN: IRDAN162RPCR0006V02202425

KSHEMA GENERAL INSURANCE LTD.

Regd. Office: #413, 4th Floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad, Telangana, India- 500016
Kshema Sukriti-Policy Schedule
IRDAI Registration. No: 162 CIN No: U66000TG2018PLC125484 HSN/SAC No: 997139
Policy Number: 000000131639 Transaction No: SBdUZtCOByACnPU
Policy Issuing Office
KSHEMA GENERAL INSURANCE LTD. #413, 4th Floor, My Home Tycoon,
Address:
BlockA, KundanBagh, Begumpet, Hyderabad-500016.

Phone Number: Email ID:

Website: www.kshema.co
040-23409917 customer.support@kshema.co
Distribution Details:
Channel Code : Mobile No:
Channel Name: Direct Channel Email ID:
999-999 18005723013
POSP Name: Not POSP Code : Not Mobile No: Not
Applicable Applicable Applicable
Claim Contact: Through Kshema App Toll Free Number 18005723013
Policy Risk Coverages: Peril 1: Flood Peril 2: Animal Attack Excess: NIL
Exclusions/ not
As mentioned under Section 5 of the attached Policy Wordings
covered
Insured details:
Insured Full Name: Customer ID: Contact No:
Owner/Tenant: Tenant
Aswini kumar Ratha F00055335 9777479228
If Tenant, name of the
Address: Nischintpur, Balipatna, Khordha, Odisha,
Email Id: Not Provided owner: Rabindranath
752102
Ratha
Policy Details:

Period of Cover: From: 16-07-2025 To: 12-12-2025 Season: Kharif

Time : 00:00:01 Hrs Time: 23:59:59 Hrs

Subject Matter Details:

Name of the Crop: Padd Date of Sowing: Rainfed/Irrigated:

y
Variety: Not Specified
15-07-2025 Irrigated

Insured Acreage: 0.43 Acre(s) Insured Polygon

(zero acre - forty-three cents
Village/District: Indemnity
Nischintpur/Khordha
ID/Farm lot lag: P32152
only) 060604593869946880 Percentage: 100%

Survey No./No's: 338|338

Policy Sum Insured: INR 15802/- (fifteen thousand, eight hundred and two rupees )

List of Animals (in case of

Elephant,Monkey,Rabbit,Wild Boar
Animal Attack)

Note: The Sum Insured under animal attack coverage is restricted for a maximum Sum Insured of 25% of
the policy Sum Insured.

Total Amount in
Premium SGST CGST IGST
INR Rs.
INR 422.88/- Not Applicable Not Applicable INR 76.12 /- INR 499.00/-
Mode of Payment: Payment Transaction ID: Receipt No. and date:
Unified Payments 587622664524 CR-29980560604690703712256 and 29-06-2025
Nominee Details:
Age: *(In case of Minor
Name of the Nominee: provide guardian Details): Guardian Details: Not
Kalpana Ratha 62 Relation: Son Applicable

Tax Invoice No: 000000131639 GSTIN Issuing Office: Hyderabad

Name of Financier / Hypothecation to: Not Applicable
Disclaimer:

This Policy shall be void from inception if the premium in full is not realized by the Company.
In the event of misrepresentation, fraud, or non-disclosure of material fact, the Company reserves the
right to cancel the Policy.
Policy wording are attached along with this policy schedule.

Relevant stamp duty has been paid Date: 08 July 2025 Place: Hyderabad

Date: 08-07-2025

Authorized Signatory
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

Kshema Sukriti
POLICY WORDINGS

1. Operative Clause
WHEREAS YOU the Insured named in the Schedule chose this Kshema Sukriti (hereinafter
referred as “Policy”) and have applied to Us, Kshema General Insurance Limited (hereinafter
referred as “the Company”) for insurance cover as stated in the policy. You further gave Us
the information about yourself, your crop, and confirmation of your insurable interest in the
crop being cultivated in the specified farm location through written Proposal form and/or
Digital Proposal and/or Video Proposal form on the platform of Kshema Mobile Application
and based on your confirmation that the information submitted is true and correct and having
received the premium paid by You, we promise to provide You insurance as stated in the
Policy Schedule subject to the terms, conditions, provisions and exclusions set out in this
Policy or as contained in any endorsement that may be issued.
2. Definition of Words:

a) You/Your/Insured: The person (s) named as Insured in the Policy Schedule;

b) We/Us/Our/the Company: Kshema General Insurance Limited;
c) Written Proposal Form (WPF): The application form signed by You for availing this
insurance and/or any other information, in writing, provided by You, or which is provided
to Us on Your behalf;
d) Digital Proposal Form (DPF): A form digitally recorded & stored with us, wherein You
or Your representative authorised by You, by way of confirmation through One Time
Password [“OTP”], generated from Your notified mobile number as registered in
Kshema Application, has provided information in respect of the farm and crop You wish
to insure;
e) Video Proposal Form (VPF): A video, recorded & stored with us, wherein You or Your
representative authorised by You, by way of confirmation through OTP, generated from
Your notified mobile number as registered in Kshema Application, has provided
information in respect of the farm and crop You wish to insure; The term proposal form
wherever referred shall include any of the above three proposal form.
f) Policy: Policy means these Policy wordings, the Policy Schedule and any applicable
endorsements or extensions attaching to or forming part thereof. The Policy contains
details of the extent of cover available to the Insured person, what is excluded from the
cover and the terms & conditions on which the Policy is issued to the Insured person.
g) Commencement of risk / Policy start date: Commencement or risk start date is the
date of commencement of coverage under this Policy as specified in the Policy
Schedule;
h) Policy end date: Policy shall end on completion of harvesting, as defined below, on the
farm or on the end/expiry date mentioned on the policy schedule based on the duration
of the crop, whichever is earlier;
i) Harvesting: Means any operation undertaken to reap the produce from the crop
insured.

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

j) Endorsement: It means any alteration requested by You in writing or through Kshema

Mobile Application to be made in the Policy and which has been agreed to by Us in
writing;
k) Policy Schedule: The document which contains Your information, the cover in force,
the Period of Insurance, Sum Insured and other details. Any Annexure or Endorsement
to the Schedule shall also be a part of the Policy Schedule;
l) Sum Insured: The amount shown in the Policy Schedule which shall be our maximum
liability under the Policy for any one claim or in the aggregate for all claims during the
Period of Insurance;
m) Period of Insurance: The time period for which the contract of insurance is valid as
shown in the Policy Schedule, unless the Policy is cancelled in which case the Period
of Insurance will end on the effective date of the cancellation;
n) Indemnity Percentage: It is the percentage of actual loss or sum insured whichever is
less that will be indemnified in the event of any loss/claim.
o) Crop: Crop shall mean a plant of the same kind cultivated at one place in a defined
boundary farm and harvested extensively for profit or subsistence and which can be
grown from seeds or by any of the vegetative propagation methods and which is
mentioned in the Policy Schedule;
p) Premium: The amount specified as such in Policy Schedule and any premium adjusted
/ reflected in an endorsement to this Policy;
q) Material change: Those changes which materially affect the decision of the Insurer for
underwriting the risk, including but not limited to change in sowing dates or change of
insured Crop;
r) Enrolment window: The period as declared by the Company for enrolment under this
Policy for a particular crop season;
s) Cut-off date: It is the date where enrolment window for crop insurance under this policy
ends for the crop season;
t) Animal attack: loss or Damage caused to the insured crop from raiding/grazing by
Monkey, Wild boar, Elephant or Rabbit only.

3. Coverage:
Loss or Damage caused by the operation of Perils selected by the farmer and as stated in
the policy schedule.
Major Perils

a) Cyclone
b) Flood
c) Hailstorm
d) Inundation (Not applicable to Hydrophilic crops)

Minor Perils

a) Animal Attack by Monkey / Wild Boar / Elephant / Rabbit only for a maximum Sum Insured
of 25% of the policy Sum Insured
b) Earthquake
c) Landslide
d) Natural fire due to lightening

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

4. Sum Insured:

Sum insured under this policy is predetermined based on the cost of cultivation. Sum insured
is the maximum liability under the policy as mentioned in the policy schedule.

5. The following losses will not be paid under this policy

The Company shall not cover losses and damages occurred due to the following;
a) War Risk: Loss as a consequence of war, invasion, act of foreign enemy, hostilities
(whether war be declared or not) civil war, rebellion, revolution, insurrection, military
or usurped power, confiscation, nationalisation, civil commotion, loot, pillage in
connection therewith;
b) Nuclear Risk: Any loss to the insured crop arising from ionising radiation or
contamination by radioactivity from any nuclear fuel or from any nuclear waste from
the combustion of nuclear fuel or the radioactive, toxic, explosive or hazardous
properties of any nuclear assembly or nuclear component;
c) Consequential Loss: Consequential loss of any kind or description.
d) Malicious damage, arson and other preventable risks;
e) Terrorism: Any loss to Crop on account of terrorist activities;
f) Pollution or contamination of any kind;
g) Political risk or Loss or damage caused by an order of any governments or any other
authority;
h) Volcanic eruption, costal or river erosion or other convulsions of nature;
i) Theft, riot and strike;
j) Non cultivation of Crop as mentioned in the policy schedule during the Period of
Insurance;
k) Post harvest losses for crop produce even if lying in cut and spread condition in the
field;
l) Damage/loss caused by any other animal other than mentioned under section 3 i.e.
Coverage;
m) Coverage of Hydrophilic crops against inundation
n) By any other peril, which is not explicitly covered in the Policy Schedule.

6. How to apply for a claim and Your responsibility

In the unfortunate event of occurrence of any perils covered under this Policy, that resulted
in loss or damage to the Crop, you are required to take following actions:

a) Immediately intimate the loss through Kshema Application or by email to

customer.support@kshema.co or Toll-Free number 1800 572 3013 along with your
Policy details not later than 24 hours of occurrence of peril;
b) Take all steps to minimize the loss, as if no insurance has been taken;
c) Take photographs of the loss/ damage crop through Kshema Application;
d) Take video of the entire affected field as per the instruction in the video guide of Kshema
Application;

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

e) Give a complete description of the damage/loss with estimated loss having regard to
their values as on the time and date and place of loss. Do not include profit of any kind
in the estimated loss;
f) Inform particulars of all other insurances covering the same Crop at the time of loss;
g) Safeguard the damaged crop till loss assessment is made but take steps to reduce the
loss.

7. Terms & Conditions:

a) Incontestability and Duty of Disclosure: The Policy shall be null and void and no
benefit shall be payable in the event of untrue or incorrect statements,
misrepresentation, misdescription, or non-disclosure of any Material change or
particular in the proposal form and/or personal statement and/or declaration made
through proposal form (WPF/DPF/VPF) and/or connected documents.

b) Reasonable Care: You shall take all reasonable steps to safeguard the interests of the
insured property (Crop) against loss or damage that may give rise to a claim.

c) Observance of terms and conditions: The due observance and fulfilment of the
terms, conditions, and endorsement of this Policy in so far as they relate to anything to
be done or complied with by You shall be a condition precedent to any liability on Us to
make any payment under this Policy.

d) Change of sowing date: No change in sowing date shall be allowed more than 2 times
during the enrolment window. No further change is allowed after the cut-off date.
Change of sowing date shall be only prospective to the initial date of sowing declared.
No change in sowing date shall be made after claim is reported.

e) Change of Crop: No change in crop shall be allowed for more than once during the
enrolment window. No change is allowed after the cut-off date. The change shall be
intimated before sowing of the proposed crop. No change in sowing date shall be made
after claim is reported.

f) The Policy becomes void from inception, and no loss/damage shall be payable if the
Crop as declared for insurance by the insured in the Proposal Form, and the actual Crop
on the field are different.

g) Any expenses whatsoever incurred by You in connection with or in respect of any loss,
howsoever caused, even if such loss results in diminished agricultural output/ yield or
increased operational costs shall not be payable.

h) Any expenses whatsoever incurred by You for removal of any damaged crops, debris,
or any substance from the farm, whether such damage occurred due to covered perils
or otherwise, shall not be payable.

i) Excess: Nil

j) Contribution clause: In the event of the same farmland is insured under more than
one insurance and If loss arises on the said farmland and the loss is covered under

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

more than one insurance policies, We shall be liable to pay ratable proportion of the
claim amount based on the coverage the insurance policies provides.

k) Non-adherence to the terms and conditions of this Policy shall render the Policy
voidable.

8. Special Provisions:

Any special provisions subject to which this Policy has been entered into and endorsed in the
Policy shall be deemed to be part of this Policy and shall have effect accordingly.

9. Rights of the Company on happening of loss or damage:

On the happening of loss or damage, or circumstances that have given rise to a claim under
this Policy, We may:
a) Enter and/or take possession of the damaged Crop;
b) Keep possession of any substance or particulars from the insured property and
examine, sort, arrange, remove or otherwise deal with the same; and,
c) Sell any such property or dispose of the same for account of whom it may concern. The
powers conferred by this condition shall be exercisable by Us at any time unless notice
in writing is given by You that You make no claim under the Policy, or if any claim is
made unless such claim is finally determined or withdrawn.
If You or any person on Your behalf shall not comply with the Policy terms & conditions all
benefits under the Policy shall be forfeited at Our option.

10. Loss Assessment:

a) Claim detection and loss assessment will be done only through remote sensing
satellite image /Drone Image/Pictures submitted through Kshema Application using
inhouse developed algorithm.

b) Compensation shall be payable proportionally based on the extent of loss

determined as above corresponding to the value of the Crop as determined in the
indemnity table. [mentioned under point (e)].

c) If the extent of damage to the Crop is more than 85% the claim shall be treated as
total loss and claim shall be settled subject to Excess / Deductible/Indemnity
percentage. The Policy shall stand cancelled upon payment of loss.

d) You shall not be entitled to abandon the Crop, whether We have taken possession
of the same or not, till 7 days after making the claim. In case the damaged Crop is
harvested or removed from the farmland within 7 days, no claim shall be payable.

e) The amount of loss would be assessed based on the below indemnity table.

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

Indemnity Table:

Stages Percentage of Duration of the Crop Compensation percentage

from the date of sowing (Proportionate of Sum
Insured)
1 up to 15% 15%
2 Above 15% up to 30% 25%
3 Above 30% up to 60% 60%
4 Above 60% up to 85% 80%
5 Above 85% 100%

The compensation amount shall be arrived after applying the percentage of loss determine
through satellite image / pictures obtained through app / drone images on the value of the
crop corresponding the duration of the crop.

In case the extent of crop area damage is determined to be more than 85%, the loss would
be treated as total loss and total value of the crop corresponding to the stage is payable. The
policy stands cancelled upon payment of loss.

In the event of claim falling under the stages 1 to 4, proportionate sum insured will be
exhausted for the affected area and the Policy shall continue for the remaining period for
unaffected area with the reduced sum insured. The Loss shall be arrived by using the
formula:

Compensation = Sum insured x corresponding Compensation percentage to the stage of the

crop x extent of insured area affected x Loss percentage x Indemnity percentage – excess /
Deductible.

11. Animal Attack Clause:

Coverage of Loss or Damage caused by raiding/grazing by Monkey, Wild boar, Elephant, and
Rabbits for a maximum of 25% of the policy sum insured. The incidence and loss must be
substantiated by media reports/coverage in the local media or the reports of the Agriculture /
Forest / Revenue department. We may also consider other reports of damage including reports
of Panchayati Raj/ Gram Sabha etc. Immediate intimation (within 24 hours) with Photographs
of the damage taken from Kshema Application are to be submitted.

The loss assessment procedure as stated under above section shall be followed. The payable
claim would be in proportion to the Sum Insured based on the stage of crop. Claims paid under
this cover would be adjusted based on the area damaged and claims paid under other covers
for the same insured field. Maximum claims would be subject to Sum Insured.

12. Position of policy after the claim:

On occurrence of loss, proportional Sum Insured to the extent of area under loss stands
reduced from the total Sum Insured of the area insured.

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

13. Declaration:

a) The Company shall have no liability towards any claim arising under this Policy if You
make any false/ incorrect declaration/information in the Proposal form for insurance,
which is material for accepting the risk and offering the cover under the Policy.

b) The Company further understands that You have read the Policy and prospectus and
have understood the implications of the contents prior to affixing Your signature on the
Proposal from or giving confirmation on WPF/DPF/VPF.

c) You further undertake that the responsibility of the declaration signed or recited by You
will be binding on all other persons included in the Policy, if any, and thus agree to
indemnify the Company in any loss arising consequent to their non-adherence or
challenging any of the Policy terms and conditions.

14. Fraudulent claims

If any claim in any respect fraudulent, or if any false statement or declaration is made or used
in support thereof, or if any fraudulent means or devices are used by You or anyone acting
on Your behalf to obtain any benefit under this Policy, We shall have absolute right, in our
sole discretion, to avoid our liability under the Policy or void this Policy in its entirety, and in
such cases, all cover for loss under this Policy shall be forfeited and all premium deemed
fully earned and non-refundable.

15. Cancellation:

a) Cancellation by you at any time

You can cancel this Policy at any time by giving Us notice in writing or through Kshema
Application. The Policy will terminate when we receive Your notice.

b) Cancellation by Us

We will not cancel the Policy during the policy period except on the grounds of fraud with a
prior notice of 7 days. All the benefits under this policy shall be forfeited from the inception of
the policy.
In both the above cases mentioned in section 15, proportionate premium for the unexpired
period shall be refunded.
16. Policy Disputes
It has been agreed between You and Us that any dispute concerning the interpretation of the
terms, conditions, limitations, and/or exclusions contained herein is understood and agreed
to be adjudicated or interpreted in accordance with the Laws of India and only competent
Courts of India shall have the exclusive jurisdiction to try all or any matters arising hereunder.
The matter shall be determined or adjudicated in accordance with the law and practice of
such Court. It is further agreed by You that where a claim is made, either paid or rejected and

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

no court action or suit is filed/invoked within twelve (12) calendar months from the date of
such payment or rejection, all benefits under this Policy shall be forfeited.
17. Entire Contract
The Policy constitutes the complete contract of insurance. No change or alteration in this
Policy shall be valid or effective unless approved in writing by the Company, which approval
shall be evidenced by an endorsement on the Policy. No agent shall or has the authority to
change in any respect whatsoever any term of this Policy or waive any of its provisions. The
Company shall not be liable to make any payment for a claim made under the Policy until
such time as it has been fully satisfied by the Insured of the existence of Insured property,
amount of a claim and the Company’s liability for it.
18. Severability
If any section, provision or portion of this Policy is held to be invalid or void by a court of proper
jurisdiction, the remainder of this Policy shall subsist and continue in full force and effect.
19. What if You ever need to complain?
We hope, of course, that You will never feel the need to complain. Nevertheless, sometimes
things do go wrong. When they do, We want to know straight away, so We can put them right
as quickly as possible and take steps to make sure they don’t happen again. In all instances,
e-mail Us at customer.support@kshema.co or post us at Regd. Office #413, 4th Floor, My
Home Tycoon, Kundan Bagh, Begumpet, Hyderabad, Telangana, India- 500016.
20. In case You wish to serve Notice
Any notice, direction or instruction given under this Policy shall be in writing and delivered by
hand, post, email, if any, in case of the Insured, at the address and e-mail specified in Part I
of the Policy Schedule.
In case of the Company: KSHEMA GENERAL INSURANCE LIMITED, Regd. Office #413, 4th
Floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad, Telangana, India- 500016.
E-mail customer.support@kshema.co
Notice and instructions will be deemed served 7 days after posting or immediately upon
receipt in the case of hand delivery or e-mail.
21. If at any time You require any clarification or assistance

You may contact Our offices at the address specified on the policy, during normal business
hours.
22. Grievance Redressal Clause
If You have a grievance about any matter relating to the Policy, or Our decision on any matter,
or the claim, You can address your grievance as follows:
1) For resolution of any query or grievance, You may contact the Policy issuing office or
email Us at customer.support@kshema.co or through Kshema Mobile Application
or write to Us at Grievance Redressal Officer, KSHEMA GENERAL INSURANCE
LIMITED, Regd. Office #413, 4th Floor, My Home Tycoon, Kundan Bagh, Begumpet,
Hyderabad, Telangana, India- 500016.

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

2) If You are not satisfied with the resolution provided, You may escalate to our Nodal
Desk E-mail gro@kshema.co or can write to us at the sub section “Grievance
Redressal” on our website www.kshema.co (Customer Support section).

3) In case Your complaint is not fully addressed by Us, you may use the Bima Bharosa, a
Grievance Redressal Portal of IRDAI (Bima Bharosa) for escalating the complaint to
IRDAI. Through Bima Bharosa You can register Your complaint online and track its
status. For registration, please visit Website https://bimabharosa.irdai.gov.in/

4) If the issue still remains unresolved, You may, subject to vested jurisdiction, approach
Insurance Ombudsman for the redressal of the grievance at https://www.cioins.co.in.
Details of the Ombudsman are mentioned below.

Insurance Ombudsman Offices in India :

The contact details of the Insurance Ombudsman offices are as below-

Office of the
Name of Telep
S.N Locati Designati Insurance Jurisdictio
Ombudsm hone Email
o. on on Ombudsma n
an No.
n
Jeevan
Prakash Gujarat,
079 -
Building, 6th Dadra & bimalokpa
Insurance 25501
AHEMDA Shri Collu floor, Tilak Nagar l.ahmedab
1 Ombudsm 201/0
BAD Vikas Rao Marg, Relief Haveli, ad@cioins
an 2/05/0
Road, Daman and .co.in
6
AHMEDABA Diu.
D – 380 001.
Jeevan
Soudha
Building, PID
No. 57-27-N-
080 -
19 Ground bimalokpa
Insurance 26652
BENGALU Mr Vipin Floor, 19/19, l.bengalur
2 Ombudsm Karnataka 048 /
RU Anand 24th Main u@cioins.
an 26652
Road, JP co.in
049
Nagar, Ist
Phase,
Bengaluru –
560 078.
Janak Vihar
Complex,
2nd Floor, 6, 0755
Malviya Madhya - bimalokpa
Insurance
Shri R. M. Nagar, Opp. Pradesh, 27692 l.bhopal@
3 BHOPAL Ombudsm
Singh Airtel Office, Chhattisgar 01 / cioins.co.i
an
Near New h. 27692 n
Market, 02
Bhopal –
462 003.

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

0674
62, Forest - bimalokpa
Shri Manoj Insurance
BHUBAN park, 25964 l.bhubane
4 Kumar Ombudsm Odisha
ESWAR Bhubaneswa 61 swar@cioi
Parida an
r – 751 009. /2596 ns.co.in
455
Punjab,
Haryana
(excluding
Gurugram,
Faridabad,
S.C.O. No. Sonepat
101, 102 & and
0172
103, 2nd Bahadurgar
- bimalokpa
Insurance Floor, Batra h),
CHANDIG Mr Atul 27061 l.chandiga
5 Ombudsm Building, Himachal
ARH Jerath 96 / rh@cioins
an Sector 17 – Pradesh,
27064 .co.in
D, Union
68
Chandigarh Territories
– 160 017. of Jammu
&
Kashmir,La
dakh &
Chandigarh
.
Delhi &
Fatima
following
Akhtar
Districts of 044 -
Court, 4th bimalokpa
Shri Segar Insurance Haryana - 24333
Floor, 453, l.chennai
6 CHENNAI Sampathk Ombudsm Gurugram, 668 /
Anna Salai, @cioins.c
umar an Faridabad, 24335
Teynampet, o.in
Sonepat & 284
CHENNAI –
Bahadurgar
600 018.
h.
Punjab,
Haryana
(excluding
Gurugram,
Faridabad,
2/2 A,
Sonepat
Universal
and 011 -
Insurance
Insurance Bahadurgar 23232 bimalokpa
Ms Sunita Building,
7 DELHI Ombudsm h), 481/2 l.delhi@ci
Sharma Asaf Ali
an Himachal 32135 oins.co.in
Road, New
Pradesh, 04
Delhi – 110
Union
002.
Territories
of Jammu
&
Kashmir,La
dakh &

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

Chandigarh
.

Jeevan Assam,
Nivesh, 5th Meghalaya,
Floor, Nr. Manipur, 0361 -
bimalokpa
Shri Insurance Panbazar Mizoram, 26322
GUWAHA l.guwahati
8 Somnath Ombudsm over bridge, Arunachal 04 /
TI @cioins.c
Ghosh an S.S. Road, Pradesh, 26022
o.in
Guwahati – Nagaland 05
781001(ASS and
AM). Tripura.
6-2-46, 1st
floor, "Moin Andhra
Court", Lane Pradesh,
Opp. Saleem Telangana,
bimalokpa
Insurance Function Yanam and 040 -
HYDERA Shri N. l.hyderaba
9 Ombudsm Palace,A. C. part of 23312
BAD Sankaran d@cioins.
an Guards, Union 122
co.in
Lakdi-Ka- Territory of
Pool, Puducherry
Hyderabad - .
500 004.
Jeevan Nidhi
– II Bldg.,
Shri Rajiv Insurance Gr. Floor, 0141 - bimalokpa
10 JAIPUR Dutt Ombudsm Bhawani Rajasthan 27403 l.jaipur@ci
Sharma an Singh Marg, 63 oins.co.in
Jaipur - 302
005.
2nd Floor,
Kerala,
Pulinat
Lakshadwe
Bldg.,Opp. 0484 -
ep, Mahe-a bimalokpa
Shri G. Insurance Cochin 23587
ERNAKUL part of l.ernakula
11 Radhakris Ombudsm Shipyard, M. 59 /
AM Union m@cioins.
hnan an G. 23593
Territory of co.in
Road,Ernaku 38
Puducherry
lam - 682
.
015.
Hindustan
Bldg. West
033 -
Annexe, 4th Bengal, bimalokpa
Insurance 22124
Ms Kiran Floor, 4, Sikkim, l.kolkata@
12 KOLKATA Ombudsm 339 /
Sahdev C.R. Andaman & cioins.co.i
an 22124
Avenue, Nicobar n
340
KOLKATA - Islands.
700 072.

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

Districts of
Uttar
Pradesh:
Lalitpur,
Jhansi,
Mahoba,
Hamirpur,
Banda,
Chitrakoot,
Allahabad,
Mirzapur,
Sonbhabdr
a,
Fatehpur,
Pratapgarh,
Jaunpur,Va
ranasi,
Gazipur,
Jalaun,
Kanpur,
Lucknow,
6th Floor, Unnao,
Jeevan Sitapur,
Bhawan, Lakhimpur,
0522 -
Phase- Bahraich, bimalokpa
Insurance 22313
LUCKNO Shri. Atul II,Nawal Barabanki, l.lucknow
13 Ombudsm 30 /
W Sahai Kishore Raebareli, @cioins.c
an 22313
Road, Sravasti, o.in
31
Hazratganj, Gonda,
Lucknow - Faizabad,
226 001. Amethi,
Kaushambi
,
Balrampur,
Basti,
Ambedkarn
agar,
Sultanpur,
Maharajga
ng,
Santkabirn
agar,
Azamgarh,
Kushinagar
, Gorkhpur,
Deoria,
Mau,
Ghazipur,
Chandauli,
Ballia,
Sidharathn
agar.

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

Goa,
3rd Floor, 69038
Mumbai
Jeevan Seva 821/2
Shri Metropolita bimalokpa
Insurance Annexe, S. 3/24/2
Bharat n Region l.mumbai
14 MUMBAI Ombudsm V. Road, 5/26/2
kumar S. (excluding @cioins.c
an Santacruz 7/28/2
Pandya Navi o.in
(W), Mumbai 8/29/3
Mumbai &
- 400 054. 0/31
Thane).
State of
Uttarakhan
d and the
following
Districts of
Uttar
Pradesh:
Agra,
Aligarh,
Bagpat,
Bareilly,
Bijnor,
Budaun,
Bulandshe
har, Etah,
Kannauj,
Mainpuri,
Bhagwan
Mathura,
Sahai
Meerut,
Palace, 4th
Moradabad
Floor, Main 0120-
,
Shri Insurance Road, Naya 25142 bimalokpa
Muzaffarna
15 NOIDA Bimbadhar Ombudsm Bans, Sector 52 / l.noida@ci
gar,
Pradhan an 15, Distt: 25142 oins.co.in
Oraiyya,
Gautam 53
Pilibhit,
Buddh
Etawah,
Nagar, U.P-
Farrukhaba
201301.
d,
Firozbad,
Gautam
Buddh
nagar,
Ghaziabad,
Hardoi,
Shahjahan
pur, Hapur,
Shamli,
Rampur,
Kashganj,
Sambhal,
Amroha,
Hathras,
Kanshiram
nagar,

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484
KSHEMA GENERAL INSURANCE LIMITED
Kshema Sukriti
UIN: IRDAN162RPCR0006V02202425

Saharanpur
.

2nd Floor,
Lalit
Ms Insurance 0612- bimalokpa
Bhawan, Bihar,
16 PATNA Susmita Ombudsm 25470 l.patna@c
Bailey Road, Jharkhand.
Mukherjee an 68 ioins.co.in
Patna 800
001.
Jeevan
Maharashtr
Darshan
a, Areas of
Bldg., 3rd
Navi
Floor, C.T.S.
Mumbai, 020- bimalokpa
Shri Sunil No’s. 195 to
17 PUNE and Thane 41312 l.pune@ci
Jain 198, N.C.
(excluding 555 oins.co.in
Kelkar Road,
Mumbai
Narayan
Metropolita
Peth, Pune –
n Region).
411 030.

Regd off: #413, 4th floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad – 500 016, Telangana, India
Corp Off: 10th floor, Orwell Block 1, Salapuria Sattva Knowledge City, Raidurgam, Hyderabad, Telangana - 500081
T: 18005723013 | E: customer.support@kshema.co |www.kshema.co| IRDAI Regn. No: 162 | CIN: U66000TG2018PLC125484