Page 15 - Turkinsurance Digital Magazine

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The Future Is Not Possible Without Agriculture, Nor
Without Agricultural Insurance!

In our country, TARSİM continues its which vary by product. These dates can be
work uninterruptedly as a state-support- accessed via [www.tarsim.gov.tr](http://
ed system with the vision of providing the www.tarsim.gov.tr). In the Animal Life
broadest possible insurance coverage for Insurance and Greenhouse Insurance lines,
every agricultural product under cultiva- however, policies can be issued at any time,
tion, contributing to the sustainability of and no such criterion applies.
the agricultural sector by offering financial During policy issuance, it is important for
protection against the risks producers may producers to pay attention to criteria such
face during the production process. as yield, product information, unit product
The agricultural insurance lines through price, and harvest date, and to consult their Basic Insurance Package
which services are provided to producers agency representative regarding insurance For apricot, apple, pear, quince, plum,
and breeders include Crop Insurance (Bit- conditions, including the scope of cover- cherry, sour cherry, peach, and nectarine
kisel Ürün Sigortası), Greenhouse Insur- age and the procedures to be followed in products, it is an insurance application that
ance (Sera Sigortası), Village-Based Yield the event of a loss. In addition, informa- covers yield losses caused by all natural dis-
Insurance (Köy Bazlı Verim Sigortası), In- tion about processes can be obtained from asters—excluding diseases and pests—up
come Protection Insurance (Gelir Koruma TARSİM 24/7 through all communication to the guaranteed yield. Under the Basic In-
Sigortası), Cattle Life Insurance (Büyük- channels, particularly the ALO TARSİM surance Package (Temel Sigorta Paketi),
baş Hayvan Hayat Sigortası), Small Ru- 172 Call Center. the State premium support rate is 70%.
minant Life Insurance (Küçükbaş Hayvan
Hayat Sigortası), Poultry Life Insurance TRY 35 Billion in Claims Paid to In-
(Kümes Hayvanları Hayat Sigortası), sured Producers Across Türkiye in Premium Support for Frost Coverage in
Beekeeping Insurance (Arıcılık Sigortası), 2025 Crop Insurance
Aquaculture Life Insurance (Su Ürünleri In 2025, a total of 3.8 million policies The premium support rate for frost cover-
Hayat Sigortası), Silkworm Insurance were issued across all agricultural insur- age in crop insurance has been increased
(İpek Böceği Sigortası), and the Basic In- ance lines within the State-Supported Ag- to 70%.
surance Package (Temel Sigorta Paketi), ricultural Insurance System. Agricultural Optional Tariff
which was introduced in 2026. assets worth TRY 1.7 trillion were insured. Optional tariffs have been introduced for
To enable more producers to benefit from Within the framework of the system, 44.5 frost coverage, allowing deductibles and
the opportunities offered by the system, pre- million decares of land and 30.8 million coinsurance rates to be selected.
mium support ranging from 50% to 70% cattle and small ruminants were covered. A Expansion of the Coverage Period
is provided. For producers and breeders total of TRY 35 billion in claims was paid For vegetables, the coverage period relat-
who insure their crops, greenhouses, cattle to producers and breeders whose crops, ed to frost risk that necessitates replanting
and small ruminants, poultry, aquaculture greenhouses, and animals were damaged. has been made optional and configurable.
products, bees, and silkworms, 50% of the Innovations for 2026 Village-Based Yield Insurance
insurance premium is covered by the State, As a dynamic system that continuous- Certified seeds of the products covered by
along with 70% of the premium for frost ly renews itself in response to changing insurance (wheat, barley, rye, oats, triti-
and winter frost coverage, 70% of the Vil- conditions, TARSİM continues its work cale, chickpeas, green lentils, red lentils,
lage-Based Yield Insurance premium, and uninterruptedly—while maintaining pro- and oilseed sunflower) have also been in-
60% of the Income Protection Insurance ducer satisfaction at the highest level—to cluded under coverage.
premium. In Cattle Life Insurance, a 60% provide the broadest possible insurance Parcel-Based Yield Insurance
State premium subsidy is also provided for coverage for every agricultural product It has been introduced on a pilot basis in
the insurance of female dairy cattle aged under cultivation. Needs and expectations Tekirdağ Province.
20 months and above under the calf loss are continuously monitored, and within the Income Protection Insurance
during pregnancy coverage (Narrow Cov- framework of insurance principles, new Rye has been included under coverage.
erage-2 Tariff). In this way, producers can coverages, applications, and research and Sunburn Risk
secure their efforts with insurance at much development outcomes are incorporated For grapefruit, orange, mandarin, and
more affordable costs. following actuarial assessments. lemon products, it has been included in
coverage on an optional basis.
Producers Should Obtain Detailed Infor- The products, risks, regions, and business Winter Frost Damage
mation About the Scope of Coverage in scales to be covered by the Agricultural For apricot, peach, nectarine, plum, ap-
Their Policies Insurance Pool, as well as the level of pre- ple, pear, quince, cherry, and sour cher-
When deciding to issue a State-Supported mium support provided by the State, are ry products, winter frost damage risk has
Agricultural Insurance policy, particular determined each year by Presidential De- been included in coverage on an optional
attention should be paid—especially in the cree. In this context, the key innovations basis—limited to the guaranteed yield—
Crop Insurance (Bitkisel Ürün Sigortası) introduced in State-Supported Agricultural with 70% State premium support.
line—to policy final acceptance dates, Insurance as of 2026 are as follows: