Rural Insurance

At KMD, we believe

  • In creating, managing and partnering on the rural and micro-insurance platforms as a social responsibility.
  • In going an extra mile to deliver insurance solutions to the most vulnerable groups in rural India; Areas and communities, where it is needed most.

We have the necessary expertise and ability to provide customized solutions to the under-privileged groups in line with the aspirations of our clients. We provide services ranging across a diverse range of life and general insurance products in close association with partner aggregators, insurers and reinsurers. These encompassing solutions cover varied aspects of Health, Accident, Life, Disaster, Vocational and Hut / Home insurance solutions specifically aimed at and customized to suit various sections of community.

Customized Solutions

Health Insurance:

We offer insurance solutions for the health needs of rural and marginalized sector through our tailor–made health insurance plans along-with our partner insurers, which cover the entire family in one policy.


Death and Disability. We understand the critical issues surrounding the unexpected demise or inability to earn a livelihood due to physical disability and its high social & financial impact amongst the rural & marginalized groups. We provide focused insurance solutions aimed at the head / breadwinners of the family to safeguard risks such as children’s education, the care of the female child, social & financial security of the spouse etc. while striving to create social security around the grieving.


The benefit is payable in the event of unfortunate demise of the insured either due to accident or natural causes. The policies are comprehensive in nature and cover the insured 24*7. The product offerings encompass pure protection to investment tools, built within as well.

Vocational linked:

India being known as the land of farmers; we recognize assets such as tractors, cattle etc. as one of the most precious assets to the farmer community and offer insurance solutions.

Home / Hut:

Complete protection by building in components of protection against natural and other disasters


India is known for its diverse climatic conditions ranging from the colds of the Himalayas to the beaches of Kanyakumari and the deserts of Rajasthan to the Bay of Bengal. With vocations within the rural sector dependent on climatic conditions, we provide insurance solutions to cover against losses incurred due to erratic and irregular weather.

Consultancy Services:

Our consultancy services on the rural and micro insurance platforms is aimed at new product formulations, need assessment, comprehensive survey reports, project management, service delivery, claims servicing, negotiation of renewal terms and conditions, risk management and operational management solutions.

Reinsurance Services:

Reinsurance support can be arranged across plethora of products on various rural and micro insurance platforms from top rated reinsurers, based on prudent underwriting and innovative risk assessment for the products.

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