What is Crop Insurance?

Agricultural production is the world’s riskiest “open-air factory.” From the moment the farmer puts the seed into the soil until the harvest day, the crop is left to the mercy of nature. Sudden hail the size of walnuts, an unexpected frost that burns flowers in the spring, or a flood disaster at harvest time… A farmer’s year of labor, expense, and hope can vanish in minutes. Crop Insurance is a guarantee system carried out by TARSİM (Agricultural Insurance Pool), established under the Agricultural Insurance Law No. 5363, and provided with premium support by the state.

As Panacea Insurance, we consider protecting our farmers’ hard work a national duty. Every producer registered in the Farmer Registration System (ÇKS) can benefit from this insurance to be protected from the devastating economic effects of disasters and ensure the sustainability of production.

How Much of the Premium Does the State Pay?

The biggest advantage of this insurance is the high level of state support. Our farmers do not pay the full premium; the state acts as a patron:

• General Support (50%): In all crop insurance policies, 50% of the calculated premium is covered by the state as a grant.
• Frost Coverage Support (67%): For the “Frost” coverage, which is the biggest risk for fruit producers, state support increases up to 67%. This means the farmer only pays 1/3 of the premium.
• Young Farmer Discount: An additional 5% premium discount is applied to farmers under the age of 40.
• Woman Farmer Discount: Additional discounts are provided to female producers through positive discrimination.

Which Risks are Under Coverage?

In the TARSİM system, coverages are divided into “Package” and “Optional.” It is mandatory to take the main coverage, the “Hail Package,” and others can be added.

1. Standard Package (Hail Package)

The following risks are covered as standard for all crops:

• Hail (Loss of Quantity and Quality)
• Storm and Tornado
• Fire
• Landslide and Earthquake
• Flood and Inundation
• Vehicle Impact (Tractor accidents, etc.)

2. Optional Additional Coverages

Depending on the product and region, the following risks can be added to the policy:

• Frost Risk: Frost damage during the flowering period in fruit, grape, and citrus orchards. (The most critical additional coverage).
• Heat Damage: Reduction in yield due to extreme heat in citrus and grapes.
• Wild Boar Damage: Damage caused by wild boars to field crops, vegetables, strawberries, and saplings.
• Rain Risk: Quality deterioration caused by rain before harvest in cotton, cherries, and grapes.
• Bird Damage: Birds eating the product in sunflower fields.

Are Other Assets on Your Farm Safe?

TARSİM protects not only the crops in the field but also all living assets on your farm. Depending on your production model, you should also review our other state-supported insurance products:

• If you are engaged in greenhouse farming, check our Greenhouse Insurance page to protect your glass and plastic covers.
• If you are involved in livestock, Livestock Life Insurance for your dairy cows and beef cattle, and Small Livestock Life Insurance for your sheep and goats are of vital importance.
• We have Beekeeping Insurance for your beehives and Poultry Life Insurance policies for your poultry houses.
• Additionally, Aquaculture Insurance is offered with state support for those engaged in aquaculture.

2025 TARSİM Innovations

TARSİM continues to stand by the farmer by expanding its scope every year. The advantages introduced for the 2025 production season are:

• Production Planning Discount: A 10% premium discount for farmers who plant in accordance with the Ministry of Agriculture and Forestry’s production planning.
• Contracted Production Discount: An additional 10-15% discount for those engaged in contracted production with industries or cooperatives.
• New Products: Oilseed sunflower, mushroom, and silkworm (see: Silkworm Insurance) have been included in the coverage.
• Yield Increase: State support for Village-Based Yield Insurance has been increased to 70%, and yield averages have been increased by 16%.

What Should You Do When Damage Occurs? (Very Important!)

When a disaster occurs, it is vital not to miss the deadlines. TARSİM notification periods are as follows:

1. Frost Damages: Within at most 10 days from the occurrence of the risk.
2. Hail, Storm, Flood etc. Damages: Within at most 15 days from the occurrence of the risk.
3. How to Notify?: You can call your Panacea Insurance agency, use the TARSİM Mobile application, or call the ALO TARSİM (172) line.
4. Appraisal: After the notification, TARSİM adjusters come to your field to assess the damage. After the report is finalized, the compensation is deposited into your bank account within 30 days.

Which Situations are Paid, Which are Not?

Examples for a clear understanding of the scope:

Situation	Coverage Status
Lodging of Wheat Due to Hail	✅ Paid
Frost Hitting Apricot Flowers	✅ Paid (If Frost Coverage Exists)
Harvested Product Getting Wet in the Field	❌ Not Paid (Excluded After Harvest)
Yield Deficiency Due to Neglect	❌ Not Paid (Lack of Cultural Practices)
Income Loss Due to Falling Prices	❌ Not Paid (This is an Income Protection Insurance issue)

What are the Application Requirements?

The single most important requirement to have a TARSİM policy issued:

• ÇKS (Farmer Registration System) Record: It is mandatory for the producer to have the ÇKS record for that year made or updated. The parcel information in the ÇKS (Block/Parcel, Crop Variety) must exactly match the situation on the ground.

You can find the most up-to-date information on TARSİM policy inquiries and state-supported agricultural insurance on the official website of TARSİM (Agricultural Insurance Pool). Panacea Insurance stands by our farmers as an authorized TARSİM agency.

In conclusion, Crop Insurance is the guarantee of abundance in the field. Do not neglect your insurance so you don’t have to say “hail struck” or “frost burned,” and to receive the reward for your labor under all conditions.
With Panacea Insurance, let your product be worth its weight in gold and your future be secure. We wish you bountiful harvests.