Agricultural insurance
QALQAN online insurance service on the Kezekte.kz platform
The voluntary insurance system in the agro-industrial complex operates through the QALQAN online insurance service (hereinafter, the Service) hosted on the Kezekte.kz platform. To take part in insurance, all participants must register on the Kezekte.kz platform using an electronic digital signature.
The entire insurance process is carried out online. In the Service’s personal account, the farmer selects the object of insurance and the insurance company and pays 20% of the insurance premium. The remaining 80% of the premium is subsidized by the state.
Types of insurance
Livestock
Cattle insurance
Cattle insurance (regular and extended coverage) depending on insurance coverage and the number of insured livestock (from 10 heads and above). The insurance rate ranges from 1.54 to 6.93%. Insurance terms: 3, 6, 9 and 12 months. The insurance payment is up to 100% of the sum insured minus a deductible of up to 2% and the compensation paid for mandatory seizure and destruction of animals. To take out insurance, choose the insurance product, the insurance company and the beneficiary. The premium and deductible depend on the number of insured animals and the insurance term. All animals must be registered in the “Identification of Farm Animals” system.
Horse insurance
Horse insurance (regular and extended coverage) depending on insurance coverage and the number of insured livestock (from 30 heads and above). The insurance rate ranges from 2.31 to 6.46%. Insurance terms: 3, 6, 9 and 12 months. The insurance payment is up to 100% of the sum insured minus a deductible of up to 2% and the compensation paid for mandatory seizure and destruction of animals. To take out insurance, choose the insurance product, the insurance company and the beneficiary. The premium and deductible depend on the number of insured animals and the insurance term. All animals must be registered in the “Identification of Farm Animals” system.
MRS insurance
Small cattle insurance (regular and extended coverage) depending on the insurance coverage and the number of insured livestock (from 30 heads and above). The insurance rate ranges from 2.38 to 6.16%. Insurance terms: 3, 6, 9 and 12 months. The insurance payment is up to 100% of the sum insured minus a deductible of up to 2% and the compensation paid for mandatory seizure and destruction of animals. To take out insurance, choose the insurance product, the insurance company and the beneficiary. The premium and deductible depend on the number of insured animals and the insurance term. All animals must be registered in the “Identification of Farm Animals” system.
Pig insurance
Pig insurance (regular and extended coverage) depending on insurance coverage and the number of insured livestock (from 30 heads and above). The insurance rate ranges from 4.31 to 9.85%. Insurance terms: 3, 6, 9 and 12 months. The insurance payment is up to 100% of the sum insured minus a deductible of up to 2% and the compensation paid for mandatory seizure and destruction of animals. To take out insurance, choose the insurance product, the insurance company and the beneficiary. The premium and deductible depend on the number of insured animals and the insurance term. All animals must be registered in the “Identification of Farm Animals” system.
According to the order of the Minister of Agriculture of the Republic of Kazakhstan “On approval of regulatory legal acts in the field of veterinary medicine” dated October 30, 2014 No. 7-1/559.
Gardening
Insurance of perennial plantings - apple trees
Insurance products are developed for intensive and semi-intensive apple orchards due to the peculiarities of production. You can insure apple trees from the third year after planting (after two winters), grown in intensive and semi-intensive orchards. Insurance is available for agricultural producers in Almaty, Zhambyl, Zhetisu and Turkestan regions. Insurance of perennial plantations - apple trees - covers a full range of risks: hail, fire (fire), strong winds, winter freezing, spring and autumn frosts, lightning strikes, damage or death due to excess snow precipitation or ice crust on the branches, unlawful or illegal actions of third or unidentified parties. The insurance rate for this product is 0.8%. Franchise (unconditional) 5%. The insurance period is from November 1 of the current year to October 31 of the next calendar year. Gardens must be insured before October 31 of the current year.
Apple harvest insurance
Apple crop insurance includes insurance against the following risks: spring frosts, hail, strong winds, lightning, fire, unlawful or illegal actions of third or unidentified parties. The insurance rate for this product is 11.2%. Deductible (unconditional) from 10 to 40% for insurance events. 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.
Crop production
Soil moisture deficiency index insurance product (2 phases, 3 phases)
This product offers two-phase and three-phase insurance. The product covers the risks of drought in the soil during the period of growth and ripening of spring crops. Grain, leguminous and oilseed crops are subject to insurance. Insurance covers all regions of Kazakhstan. In insurance, there is no contact between the farmer and the insurer; the insured event is recorded on the basis of remote sensing data of the earth, which makes it possible to completely eliminate the human factor in the system. Insurance coverage period: for northern regions from May 15 to September 14 (grains and leguminous crops must be insured by April 1, and oilseeds by April 15); for southern regions from March 15 to June 15 (grains, leguminous and oilseed crops must be insured by February 15). Insurance rate 3.5% and 5.3%. The maximum insurance payment is 33% and 48% of the insured amount.
Soil moisture deficiency index insurance product for winter crops (3 phases)
This product offers three-phase insurance. The product covers the risks of drought in the soil during the period of growth and ripening of winter crops. Grain, leguminous and oilseed crops are subject to insurance. Insurance covers all regions of Kazakhstan. In insurance, there is no contact between the farmer and the insurer; the insured event is recorded on the basis of remote sensing data of the earth, which makes it possible to completely eliminate the human factor in the system. The insurance coverage period for winter crops is from September 15 to June 30 of the following calendar year (winter crops must be insured by August 15). Insurance rate 5.3%, the maximum insurance payment is 48% of the insured amount.
Excess soil moisture index insurance product (2 phases)
The product covers the risks of heavy rains, which leads to excess moisture in the soil during the harvesting period of spring crops. The insurance covers grain-growing regions. In insurance, there is no contact between the farmer and the insurer; the insured event is recorded on the basis of remote sensing data of the earth, which makes it possible to completely eliminate the human factor in the system. The insurance coverage period is from August 15 to October 14. You must insure yourself before June 30th. Insurance rate 3%. The maximum insurance payment is 21% of the insured amount.
Poultry farming
Bird insurance
Bird insurance depending on insurance coverage and the number of insured livestock (from 30 birds and above). The insurance rate ranges from 2.31 to 2.77%. Insurance terms: 3, 6, 9 and 12 months. The insurance payment is up to 100% of the sum insured minus a deductible of up to 2% and the compensation paid for mandatory seizure and destruction of animals. To take out insurance, choose the insurance product, the insurance company and the beneficiary. The premium and deductible depend on the number of insured animals and the insurance term. All animals must be registered in the “Identification of Farm Animals” system.
According to the order of the Minister of Agriculture of the Republic of Kazakhstan “On approval of regulatory legal acts in the field of veterinary medicine” dated October 30, 2014 No. 7-1/559.
Insurance calculator
A preliminary estimate based on the rates of the insurance agent QALQAN: you enter the area or herd size and the value; the rate, deductible and state subsidy are determined by the product.
Calculation result
- Rate
- 3.5%
- Sum insured
- KZT 40,000,000
- Maximum possible payout
- KZT 13,200,000
- Total insurance premium
- KZT 1,400,000
- Subsidy (80%)
- KZT 1,120,000
- Payable by the farmer
- KZT 280,000
Qalqan rates as of 13.10.2026
The estimate is for reference only; final terms are set in the contract on Qalqan.
Agroinsurance service on www.kezekte.kz
- 1
Login and registration are carried out using digital signature
- 2
Choosing an insurance company
- 3
Selecting an insurance object
- 4
Submitting an application for concluding an insurance contract
- 5
Payment of insurance premium
- 6
Receipt of notification of concluding an insurance contract
