TARSİM | Tarım Sigortaları

SCOPE OF COVERAGE AND COVERED RISKS

With this insurance, the material damages directly caused by the following risks on the crops and/or fruit trees, tea and vines themselves and their saplings, ornamental plant saplings, mushrooms, hail net and cover for vineyards and orchards, and support (wire cultivation) systems grown on parcels (open area) registered in the registration systems determined by the Ministry of Agriculture and Forestry are covered up to the sum insured.

Within the scope of crop insurance, the crop, trees and saplings are insured separately.

For all crops, the risks listed below are covered under the hail package insurance.

Quantity loss due to hail, storm whirlwind, fire, earthquake, landslide and flood,
Quality loss of fresh fruits/vegetables and cut flowers due to wild animals (wild boar and deer) attack,
Quantity loss of field crops, vegetables, strawberry and saplings due to wild boar attack,
Quantity loss caused by the birds eating the seeds available on the table during the ripening and harvesting period for the Sunflower (For Oil), Sunflower (For Snack) crops and Sunflower (For Certified Seed) crop
Quantity loss caused by the rain risk for the opened bolls during the period from the opening of the bolls on the Cotton and Cotton (For Certified Seed) crop until the harvest
Quantity loss caused by frost risk on fruit saplings and vineyard saplings,

Optionally, the risks shown below may also be covered;

Quantity loss caused by the risk of frost in fresh fruits, oil rose and artichoke,
Loss of hail net / cover systems and supporting (wired cultivation) systems due to hail, hail weight, storm, whirlwind, fire, earthquake, landslide, flood and vehicle impact,
Quantity loss of cherry and grape during ripening and harvesting periods, quality loss of fig (for fresh use only) during ripening and harvesting periods, quality and quantity loss of fig (for dry) during ripening and harvesting periods due to rainfall,

Quantity loss of wheat, barley, oat, rye, triticale and certificated seed of these crops due to hail, storm, whirlwind, fire, earthquake, landslide and flood.

Quantity loss of the leaves of the vineyard which is used for pickle, due to hail, storm, whirlwind, fire, earthquake, landslide and flood.
Quantity loss caused by the hot weather, which causes the grapefruit, lemon, mandarin, orange to bloom, dry and fall during the fruit set and small fruit periods, and which causes the failure in grain set in the bunches of grapes, cessation of growth, drying and falling in the grain during the blooming and grain setting period,
Loss caused by the risk of frost in sugar beet, zucchini (snack), tomato, pepper, eggplant, melon, watermelon and potato, which will cause replanting during the seedling and leafing periods.

Optional/additional covers cannot be purchased solely.

Additionally, total loss (*) of economically productive fruit trees, tea and vineyard as well as sapling of these and ornamental plant seedlings planted in the soil,can be insured separately due to hail, storm, whirlwind, fire, earthquake, landslide, flood, vehicle impact and snow weight and risk of wild animal (boar and deer) damage in saplings and frost risk in fruit and vineyard saplings. Before insuring the economically productive fruit trees, tea and vineyard themselves, in condition that the period is appropriate, it is required to insure the product first. If the insurance period of the crop is not suitable, this condition is not sought.

(*) Total Loss:Due to risks covered loss of all 3 year's yield of fruit trees, tea and vineyard and loss of sapling properties of fruit trees, tea, vineyards and ornamental plant seedlings planted in the soil.

POLICY ISSUANCE

In order for the farmer to carry out the insurance operations, they must first have updated their records in the registration systems determined by the Ministry of Agriculture and Forestry regarding the land and crop of that year. The farmer, who has updated his/her records in the registration systems determined by the Ministry of Agriculre and Forestry, applies to the insurance company or agency that is a member of the Agricultural Insurance Pool (TARSİM) to insure his/her crop. The insurance company or agency enters the system of Agricultural Insurance Pool (TARSİM) and makes inquiries regarding farmer’s information. For the issued policy, Clarification Text, Policy Information Form and Policy printouts within the scope of the Personal Data Protection Law (KVKK) are sent by TARSİM to our insureds as SMS or e-mail, depending on their preference. In case the insured prefers to take the printed policy; the agency takes the Clarification Text, Policy Information Form and Policy printouts within the scope of the Personal Data Protection Law (KVKK) from the system in two copies and gives one copy to the insured in return for his/her signature. Then the agency issues the policy as two copies and hand out the one to the policy holder / insured.

PREMIUM PAYMENT

In Crop Insurance, 50% of the premium written in the policy is subsidized by the Government. For fruits, in case frost cover is included in addition to the hail package, 2/3 of the premium only for frost risk is subsidized by the Government.

15% of the premium to be paid by the insured is taken in advance, the remaining premium is collected at the latest within 1 month from the end of the policy.

In tree / sapling insurance policies, 15% of the premium to be paid by the insured is taken in advance and the remaining premium amount is collected in maximum 5 installments.

CLAIM NOTIFICATION / LOSS ADJUSTMENT / PAYMENT PROCESS

In case a risk, which is covered by this insurance, occurred; policy holder / insured shall make the claim notification to Agricultural Insurance Pool as of the date of the risk occurrence at the latest in 10 days for frost risk and at the latest in 15 days for other risks via Voice Response System and Policy Inquiry / Claim Notification section in TARSİM Mobil Application, BİP or tarsim.gov.tr or through the agencies.

Loss adjustments are made by the loss adjusters appointed by the Agricultural Insurance Pool (TARSİM). Following the completion of the loss file, finalized indemnity amounts are paid to the insured by the Agricultural Insurance Pool (TARSİM) via the bank channel within 30 days at the latest. Indemnities are not paid before the harvest date. However, in case of a total loss, within the principles of insurance, indemnity is paid before the policy termination date.

In case all or part of the insured crop is damaged in an early growing phase allowing re- sowing /re-planting of the same crop; and if loss adjusters agree upon re- sowing /re-planting the same crop, sowing /planting and care expenses incurred by the insured for the damaged crop up to date of loss are paid in accordance to the General Conditions and Tariffs & Instructions.