Insurance Products
Agricultural Insurance and TARSİM
Agricultural insurance under TARSİM covers crop, greenhouse, cattle, sheep, poultry and aquaculture risks with substantial state premium support.
At a glance
- Status
- Optional
- Core cover
- 5 sections
- Quote turnaround
- Same business day
The TARSİM scheme exists to offset agriculture's dependence on weather conditions. A significant share of premiums is paid by the state and the producer pays only the balance. Support rates vary by product and cover group and are set annually by decree.
In crop insurance hail is the core peril, with storm, tornado, fire, landslide and earthquake added as extensions. Frost is offered as a separate cover for specified fruit types and is the most critical component in frost-prone regions. Drought and flood are addressed through revenue protection models for certain crops.
A policy can only be issued where production is registered in the Farmer Registration System (ÇKS) or the relevant register. Livestock policies rely on ear tag and registration data. Missing registration is the most common obstacle to issuing a policy; completing it before the planting season is strongly recommended.
What Is Covered
- Crop insurance
- Covers yield loss from hail, storm, tornado, fire, landslide and earthquake.
- Frost cover
- Covers spring frost damage for specified fruit varieties.
- Greenhouse insurance
- Covers greenhouse covering, frame, technical equipment and the crop inside.
- Livestock life insurance
- Covers cattle and sheep deaths from disease, accident and calving complications.
- Poultry and aquaculture
- Covers mass mortality risks in closed poultry houses and aquaculture facilities.
Who Is It For?
- Crop farmers and agricultural businesses
- Greenhouse operators and protected-cultivation growers
- Cattle, sheep and poultry producers
- Aquaculture facilities
What Is Not Covered
- Parcels and animals not entered in the registration system
- Yield losses from inadequate cultivation and crop protection
- Losses during post-harvest storage
- Statutory exclusions for notifiable animal diseases
What Affects the Price
Premiums vary between insurers according to the factors below. We compare 27 partner insurers to find the best fit for your profile.
- Crop type, parcel size and declared yield
- Regional hail and frost risk mapping
- Selected cover group and deductible ratio
- Applicable state premium support rate
Frequently Asked Questions
How much state support does TARSİM provide?
It varies by product and cover group, but the state pays a substantial share of the premium; rates are updated annually.
Is ÇKS registration mandatory?
Yes. Crop production requires ÇKS registration, and livestock requires ear tag and registration data.
Is frost cover available for every crop?
No. Frost cover is offered for fruit varieties designated by TARSİM and within defined date ranges.
When should I buy the policy?
Before the risk can materialise — generally ahead of the planting season and the published application deadlines.