Until April 16

• 2-phase soil moisture deficit insurance: Cereal crops
• 3-phase soil moisture deficit insurance: Cereal crops

Until May 14

• 2-phase soil moisture deficit insurance: Oil crops
• 3-phase soil moisture deficit insurance: Oil crops

Until July 14

• Soil moisture excess: Cereal and oil crops
• Soil moisture deficit: Winter crops

For different insurance products, the rates vary:

• Soil moisture excess insurance (rains) – 3.0%
• Winter crop insurance – 4.8% (moisture deficit)
• Drought insurance (3-phase) – 6.1%
• Drought insurance (2-phase) – 4.0%
• Pasture insurance – 3.2%

The state subsidizes 80% of the expenses for the insurance premium (insurance contribution or insurance payment) – that is, the payment for insurance, which the policyholder (farmer) is required to pay to the insurer in accordance with the contract.

• Cereals: spring oats, soft spring wheat, hard spring wheat, spring barley, corn
• Oil crops: flax, sunflower, spring rapeseed
• Winter crops

The insurance product varies for different crops because:

1. Different vegetation period: oil crops sprout 1 month later than cereals
2. Different cultivation technology and cost standards per hectare (standards are calculated by the Ministry of Agriculture of Kazakhstan separately for each region)

The difference is in the insurance protection period: if from 15.05 to 14.08, then it is 3-phase insurance; if from 15.06 to 14.08, then it is 2-phase insurance.

It is a digital value of the soil moisture level, by which the moisture deficit/excess will be measured. Triggers are calculated individually for each area and are already embedded in the system, the calculation is based on historical soil moisture data for each area. That is, when submitting an application, the system sees your data and uses the triggers for your area. Triggers are approved by the state in the person of the Operator in the field of agricultural insurance (ACC).
The farmer can observe all the necessary indicators (drought, excess moisture, wind speed, etc.) for their area in the form of a diagram in their personal account.

The occurrence of an insured event is determined by the results of satellite monitoring. For example, in the event of a soil moisture deficit (drought) – the indicators did not reach the established minimum trigger, then at the end of the phase, the farmer receives a notification of the occurrence of an insured event.
In the personal account, the farmer needs to sign the notification of the occurrence of an insured event, and within 20 working days, receive the insurance payment.

You can view data for your area, monitoring is not done for individual fields.
View

1. Log in to the policyholder's account
2. Go to the "Balance" section
3. Review all account transactions and click the "Return" button
4. Enter the amount to be withdrawn
5. Select banking details
6. Click the "Next" button and review the application
7. Sign the action with an EDS

The transfer will be made within one business day.
Video Instruction

It is necessary to check if the crop rotation orders have been fulfilled. Also, check if the sown crop is subject to insurance by the selected insurance product. For example, the "spring barley for feed" crop is not subject to insurance under the "Oil crops" product.