Insurance products are designed for intensive and semi-intensive apple orchards due to the specific nature of production.

Apple trees can be insured from the third year after planting (after two winters), grown in intensive and semi-intensive orchards, as well as apples for sale in fresh condition on domestic and international markets and for processing. Insurance is available for agricultural producers in Almaty, Zhambyl, Zhetisu, and Turkestan regions.

Insurance for perennial plantations - apple trees covers the full range of risks: hail, fire, strong wind, winter freezing, spring and autumn frosts, lightning strikes, damage due to excessive snowfall or ice crust on branches, damage or destruction by wild animals, arson, unlawful or unlawful actions of third parties or unidentified persons.

The insurance premium for this product is
0.8%.

The deductible (unconditional)
is from 10 to 50% for insurance events.

The insurance period
is from November 1 of the current year to October 31 of the following calendar year. Orchards must be insured by October 31 of the current year.

Insurance of apple crop includes coverage for the following risks: spring frosts, hail, strong winds, lightning strikes, fire, crop loss due to pests or diseases, arson, unlawful or unlawful actions of third parties or unidentified persons.

The insurance premium for this product is
11.2%.

The deductible (unconditional) is
 5%.

The insurance period is
from April 15 to October 15, but no later than the end of the harvest, if the harvest is completed before October 15.

This product offers three-phase insurance covering the risks of soil drought during the growth and ripening period of spring and winter crops. Spring and winter cereals, legumes, and oilseeds are eligible for insurance. Insurance applies to grain-producing regions. There is no direct contact between the farmer and the insurer in this insurance; the insurance event is determined based on remote sensing data, eliminating human factors in the system completely.

The insurance protection period is from
May 15 to September 14. Spring and winter cereals and legumes must be insured by April 1, and oilseeds by April 15.

The insurance premium is
3.2% and 5.3%.

The maximum insurance payout is
33% and 48% of the insured amount.

This product covers the risks of excessive rainfall leading to soil moisture surplus during the harvesting period of spring crops. The insurance applies to grain-producing regions. There is no direct contact between the farmer and the insurer in this insurance; the insurance event is determined based on remote sensing data, eliminating human factors in the system completely.

The insurance protection period is from
August 15 to October 14. Insurance must be obtained by June 30.

The insurance premium is
2.63%.

The maximum insurance payout is
20% of the insured amount.

The pasture index covers 13 regions of Kazakhstan (excluding the Mangystau region), involving monitoring the "optical depth of vegetation" based on passive microwave remote sensing. Optical depth of vegetation measures the relative amount of water in plants and provides indications of vegetation growth and biomass.

This product offers two-phase insurance.
The insurance coverage period is from
May 1 to August 30. Insurance must be obtained by April 1.

The insurance premium is
3.2%.

The maximum insurance payout is
24% of the insured amount.

Poultry insurance depends on the insurance coverage and the number of insured poultry (from 30 head and above).

The insurance premium ranges from
2.31 to 2.77%.

The insurance payout is up to 100% of the insured amount after deducting a deductible of
up to 2% and the payout size in case of mandatory seizure and destruction of animals.