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As part of the new system, insurance is carried out through the QALQAN information service (hereinafter – IIS), which is hosted on the Kezekte.kz platform. All insurance participants must register on the Kezekte.kz platform using an electronic digital signature (EDS).
The entire insurance process is conducted online. In the IIS personal account, the farmer selects the object of insurance, the insurance company, pays 20% of the insurance premium amount, while the remaining 80% is subsidized by the state.
The service is available at https://qalqan.kezekte.kz/ru/ on https://www.kezekte.kz/
Livestock
Cattle Insurance
Cattle Insurance (ordinary and extended coverage) depending on the insurance coverage and the number of insured livestock (from 10 head and above). The insurance premium ranges from 1.54 to 6.93%. 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.
Horse Insurance
Horse Insurance (ordinary and extended coverage) depending on the insurance coverage and the number of insured horses (from 30 head and above).
The insurance premium ranges from 2.31 to 6.46%.
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.
Small Ruminant Insurance
Small Ruminant Insurance (ordinary and extended coverage) depending on the insurance coverage and the number of insured livestock (from 30 head and above).
The insurance premium ranges from 2.38 to 6.16%.
Swine Insurance
Swine Insurance (ordinary and extended coverage) depending on the insurance coverage and the number of insured swine (from 30 head and above).
The insurance premium ranges from 4.31 to 9.85%.
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, to insure animals, it is necessary to select an insurance product, insurance company, beneficiary, which can be either the farmer himself or a creditor. Livestock insurance products include a deductible. The size of the insurance premium and deductibles will depend on the number of selected livestock. Each selected animal must be registered in the "Identification of agricultural animals" system.
Horticulture
Insurance of Perennial Tree Plantations, such as Apple Trees
Insurance products are designed for intensive and semi-intensive apple orchards due to the specific nature of production.
Apple trees can be insured starting from the third year after planting (after two winters) when grown in intensive and semi-intensive orchards. Insurance is available for agricultural producers in Almaty, Zhambyl, Zhetisu, and Turkestan regions.
Insurance for perennial plantations - aapple trees covers a full package of risks: hail, fire, strong wind, winter frost damage, spring and autumn frosts, lightning strike, damage or loss due to excessive snowfall or ice crust on branches, as well as unlawful or wrongful actions by third parties or unidentified persons.
The insurance premium for this product is 0.8%.
The deductible (unconditional) 5%
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.
Apple Crop Insurance
Insurance of apple crop includes coverage for the following risks: from spring frosts, hail, strong wind, lightning strike, fire, unlawful or wrongful actions by third parties or unidentified persons.
The insurance premium for this product is 11.2%.
The deductible (unconditional) is from 10% to 40% for insured 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 Farming
Product for Index-based Soil Moisture Deficit Insurance (2 phases, 3 phases)
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 3,5% and 5,3%.
The maximum insurance payout is 33% and 48% of the insured amount.
Product for Index-based Soil Moisture Surplus Insurance (2 phases)
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 3%.
The maximum insurance payout is 21% of the insured amount.
Product for Index-based Pasture Biomass Insurance
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 Farming
Poultry Insurance
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%.
Product due to lack of moisture in the soil
The product is based on excess moisture in the soil during harvesting
Area - 1000 hectares (Cost standard)
40,000 tenge
Insurance rate
4,8%
2,43%
Insurance amount
1000 Ga * 40 000 tenge = 40 000 000 tenge
Insurance premium
40,000,000 tenge * 4.8% = 1,920,000 tenge
40,000 tenge * 2.43% = 972,000 tenge
Insurance premium for 1 year
1920 tenge (including subsidies: 50% - 960 tenge)
972 tenge (including subsidies: 50% - 486 tenge)
Insurance payment in case of complete loss of crops
19,200,000 tenge
8,000,000 tenge
The cost of 1 head (breeding cattle)
650,000 tenge
Number of cattle heads
100 heads
1,54%
Franchise
2%
650,000 tenge * 100 PCs = 65,000,000 tenge
65,000,000 tenge * 1.54% = 1,001,000 tenge (including subsidies: 500,500 tenge)
Insurance payment
63,700,000 tenge
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