With this insurance, for apricot, apple, pear, quince, peach, nectarine, plum, cherry and sour cherry products registered in the record systems determined by the Ministry of Agriculture and Forestry, yield losses occurring in the product after any natural disaster are covered up to the guaranteed yield specified in the policy, except for the exclusions stated in Article A.5 of the General Conditions of the Basic Insurance Package.
Guaranteed Yield: The maximum yield per tree guaranteed for the insured parcel, determined based on the tree age and the average yield per tree declared by the producer. In the calculation of indemnity, the guaranteed yield and the remaining yield determined according to the actual yield per tree identified by the Agricultural Insurance Pool expert in the insured parcel are taken as the basis. However, the guaranteed yield stated in the policy may under no circumstances exceed the maximum guaranteed yield specified in the Basic Insurance Package Tariff and Instructions.
If the remaining yield per tree determined by the Agricultural Insurance Pool expert in the insured parcel falls below the guaranteed yield per tree, indemnity is calculated based on the difference between the guaranteed yield and the remaining yield.
If, despite the damage, the average remaining yield per tree in the parcel is determined to be above the guaranteed yield, the insured shall not be entitled to indemnity under the "Basic Insurance Package" policy. Yield determinations other than those made by experts appointed on behalf of the Agricultural Insurance Pool shall not be taken into consideration.
In order for the farmer to carry out insurance procedures, he/she must first update the records for that year regarding land and crop information in the recording systems determined by the Ministry of Agriculture and Forestry.
The farmer who has updated his/her records in the recording systems determined by the Ministry of Agriculture and Forestry applies to an insurance company or agency that is a member of the Agricultural Insurance Pool (TARSİM) to insure the product. The insurance company or agency logs into the Agricultural Insurance Pool (TARSİM) system and queries the farmer's information. In line with the General Conditions and the Tariff and Instructions, the agency issues the policy in the system.
For the issued policy, the Clarification Text within the scope of the Personal Data Protection Law (KVKK), the Policy Information Form, and the policy printouts are sent by TARSİM to our insured producers via SMS or e-mail, depending on their preference. If the insured producer prefers to receive a printed copy of the policy, the agency first obtains two copies of the Clarification Text within the scope of the Personal Data Protection Law (KVKK) and the Policy Information Form from the system and delivers one copy of each to the insured against signature. Afterwards, two copies of the issued policy are prepared and one copy is delivered to the policyholder/insured.
In Basic Insurance Package policies, 70% of the premium written in the policy is covered by the State.
15% of the premium to be paid by the insured is collected in advance; the remaining premium amount is collected within 1 month at the latest from the policy expiration date.
In the Basic Insurance Package Insurance, in the event of the occurrence of a risk covered under the policy, the policyholder/insured may submit a loss notification to the Agricultural Insurance Pool (TARSİM) for policies under the Basic Insurance Package branch, within latest 10 days in case of frost damage and within 15 days for other damages from the date of occurrence of the risk, via the call center ALO 172, the TARSİM Mobile Application, the Policy Inquiry/Loss Notification screen available at tarsim.gov.tr, or through agencies..
Loss adjustments are carried out by experts appointed by the Agricultural Insurance Pool (TARSİM). After completion of the loss file, finalized indemnity amounts are paid to the insured by the Agricultural Insurance Pool (TARSİM) via bank transfer within 30 days at the latest. Indemnity is not paid before the harvest date. However, in the event of total loss of the product, indemnity is paid before the policy expiry date in accordance with insurance principles.
