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For farmers› Insurance

Crop and agricultural insurance in Kazakhstan

How voluntary drought insurance for crops works: the state pays 80% of the premium, and the policy is taken out online at kezekte.kz.

How the system works

Until 2020, crop insurance in Kazakhstan was mandatory. Since 2020 it has been voluntary, and the statesubsidises the insurance premium. Since September 2022 the subsidy has risen from 50% to 80%. The subsidy operator is theAgrarian Credit Corporation (ACC).

2026 season terms

  • You can insure spring cereals and oilseeds onnon-irrigated (rain-fed)land.
  • The main insured risk issoil drought.
  • The state pays80%of the premium, the farmer pays20%.
  • Programmes are divided into 2 and 3 phases: cereals are insured over three phases, oilseeds over two.
  • An insured event is determined usingsatellite monitoringof soil moisture. This is an index-based approach: no loss adjuster needs to visit the field.
  • 2026 application deadlines for northern and central regions (Akmola, Kostanay, North Kazakhstan, Pavlodar, Karaganda, Ulytau and others): cereals by 1 April, oilseeds by 15 April. For southern regions, intake was extended to 3 March.
  • Insurance periods in 2026: in the south from 15 March to 15 June, in the north and centre from 15 May to 15 September.

2026 results

According to the Ministry of Agriculture (30.09.2026), in 2026 insurance covered517.4 thousand haunder 330 contracts. Due to soil drought in ten regions, insurers paid outKZT 5.1 billion. Farmers themselves paid about KZT 687.6 million, meaning they received roughly KZT 7.5 in payouts for every tenge invested.

How to take out a policy

  • Log in to the agricultural insurance system on the portalkezekte.kzwith your digital signature (EDS).
  • Select your fields in your account. The data must match your land title documents.
  • Choose an insurance company and sign the contract online.
  • Pay your 20% of the premium. The state will transfer the rest to the insurer through the ACC.
  • Claims are also paid out through the electronic system.

What else can be insured

  • On a voluntary basis, without a subsidy or under separate programmes: property, machinery, grain in storage, liability. Terms vary between insurers.
  • Banks and the ACC may require collateral insurance when issuing a loan.

Tips

  • Apply early: some 2026 policies were already taken out in December 2025.
  • Before signing, read which phases and drought thresholds the contract covers.
  • Insurance reduces the risk of defaulting on a spring loan or forward if the harvest fails.
  • Watch for Ministry of Agriculture and ACC announcements on next season's deadlines.