Tarsim Insurance

Beekeepers who have updated their records in the Beekeeping Registration System (AKS) may apply to branches of Türkiye Emlak Katılım Bankası to insure their modern, registered (tagged) hives that are listed in the AKS.

Damages occurring to modern, registered (tagged) hives listed in the Beekeeping Registration System (AKS) are covered by the insurance.

Under the Beekeeping Insurance, direct damages sustained by hives due to the following are covered within the framework of the General Conditions, Tariffs, and Instructions:

• Storm,
• Tornado,
• Fire,
• Landslide,
• Earthquake,
• Vehicle impact,
• Flood and inundation,
• Wild animal attack,
• Impact, collision, overturning, burning, etc., during the transportation of hives.

For Beekeeping Insurance, 50% of the premium stated in the policy is covered by the State. 25% of the premium payable by the insured is collected upfront, while the remaining premium amount can be collected in up to 5 installments.

Crop Insurance covers:

• Loss of yield caused to crops by hail, storms, tornadoes, fire, earthquakes, landslides, floods, and inundation;
• Loss of quality in fresh fruit, fresh vegetables, and cut flowers caused by hail;
• Loss of yield caused by wild boars in field crops, vegetables, saplings, and strawberries;
• Loss of yield caused by birds eating seeds from the flower heads of oilseed sunflowers, snack sunflowers, and certified seed sunflowers during the ripening and harvest periods;
• Loss of yield caused by rain to open bolls in cotton and certified seed cotton crops during the period from boll opening until harvest.
• Additionally, coverage can be extended upon request.

Total loss caused by hail, storms, tornadoes, fire, earthquakes, landslides, floods, inundation, vehicle impact, and snow load to economically productive fruit trees, tea plants, vines, saplings, and ornamental plant saplings can be insured independently of the crop yield.

For the premium payable by the insured, 15% is collected upfront, and the remaining amount can be collected within one month of the policy expiration date.

For tree/sapling insurance policies, 15% of the premium payable by the insured is collected upfront, and the remaining amount can be collected in up to five installments.

In Crop Insurance, 50% of the premium stated in the policy is covered by the State. For fruit products, if frost coverage is obtained in addition to hail coverage, the State covers two-thirds of the premium solely for the frost coverage.

Dairy and male beef cattle and buffaloes registered in the registration systems of the Ministry of Agriculture and Forestry are accepted for insurance as a result of the risk assessment.

• All kinds of animal diseases and pregnancy, birth or surgical intervention,
• Among the diseases that are mandatory to be notified according to the Veterinary Services, Plant Health, Food and Feed Law No. 5996; anthrax, blue tongue, rift valley fever, contagious bovine pleuropneumonia, enzootic bovine leukosis, epizootic hemorrhagic disease (EHD) of deer, infectious stomatitis (Vesicular Stomatitis) diseases,
• All kinds of accidents, wild animal attacks, snake and insect bites,
• Poisoning due to poisonous meadow grasses and feed,
• All kinds of natural disasters and sunstroke,
• Deaths caused by fire or explosion, compulsory slaughter, abortion and death of offspring, as a result of which the insured suffers directly, are covered by insurance within the framework of the Tariff and Instructions.
• In Cattle Life Insurance, 50% of the premium written in the policy is covered by the State. 25% of the premium to be paid by the insured is collected in advance, and the remaining premium amount is collected in maximum 5 installments.

Under Small Ruminant Life Insurance, sheep, goats, rams, and bucks registered in the Ministry of Agriculture and Forestry’s recording systems are accepted for insurance coverage following a risk assessment.

This insurance covers direct financial losses incurred by the insured due to the following events affecting the insured small ruminants:

• All types of animal diseases, as well as issues related to pregnancy, birth, or surgical intervention;
• Diseases subject to mandatory reporting under Law No. 5996 on Veterinary Services, Plant Health, Food and Feed—specifically anthrax, bluetongue, peste des petits ruminants (PPR), sheep and goat pox, epizootic hemorrhagic disease (EHD) of deer, and Rift Valley fever;
• All types of accidents, wild animal attacks, and snake or insect bites;
• Poisoning caused by toxic pasture plants or feed;
• All types of natural disasters and sunstroke;
• Deaths and compulsory slaughter resulting from fire or explosion, as well as miscarriages occurring at any stage of pregnancy (as verified by an Agricultural Insurance Pool expert).
  For Small Ruminant Life Insurance, 50% of the premium stated in the policy is covered by the State. Of the premium payable by the insured, 25% is collected upfront, and the remaining amount is collected in a maximum of five installments.

For poultry raised in enclosed facilities—registered with the Ministry of Agriculture and Forestry systems and subject to biosecurity and hygiene measures—as well as for poultry raised in open and semi-open systems:

• All types of poultry diseases (excluding notifiable infectious diseases as defined by Law No. 5996 on Veterinary Services, Plant Health, Food and Feed; note that poultry raised in open and semi-open systems can only be insured under the "Narrow-Scope Tariff," which excludes coverage for all diseases),
• All types of accidents and poisonings,
• Malfunctions occurring in generators, fans, and similar equipment,
• All types of natural disasters,
• Direct losses incurred by the insured due to death, culling, or compulsory slaughter resulting from fire or explosion,
• are covered under the insurance within the framework of the General Conditions and the Tariff and Instructions.

For Poultry Life Insurance, 50% of the premium stated in the policy is covered by the State. 25% of the premium payable by the insured is collected upfront, and the remaining premium amount is collected in a maximum of 5 installments. Only for "Broad-Scope 45-Day Broiler" insurance policies is the entire premium collected upfront.

Under Greenhouse Insurance, coverage is provided for the costs of dismantling, removing, cleaning, and transporting debris resulting from direct damage to the greenhouse's covering material and/or structural components—caused by the occurrence of risks such as hail, earthquake, volcanic eruption, vehicle impact, storm, tornado, fire, landslide, flood and inundation, snow and hail load, or other risks specified in the policy—subject to the general terms, tariffs, and instructions regarding debris removal coverage.

For Greenhouse Insurance, 50% of the premium stated in the policy is covered by the State. 25% of the premium payable by the insured is collected upfront, while the remaining 75% is collected on a deferred basis (by the end of May of the following year for policies issued between August 1 and December 31; and by the end of November for policies issued between January 1 and July 31).

Aquaculture products raised in marine and inland waters—specifically the stock itself, as well as the cages and nets used at these facilities—are accepted for insurance coverage under the General Conditions, Tariffs, and Instructions, subject to a risk assessment and the existing data in the Aquaculture Registration System (SKS).

The policy covers direct material losses suffered by the insured due to deaths and physical losses resulting from:

• All types of diseases (excluding those specified in Article A.3, paragraphs a and b),
• Contamination and poisoning beyond the producer's control,
• Risks such as storms, tornadoes, earthquakes, floods, and inundation,
• Accidents,
• Predators,
• Algal blooms,
• Fish transfers between cages or ponds.

For Aquaculture Insurance, 50% of the premium stated in the policy is covered by the State. Regarding the premium amount calculated based on the average monthly stock value declared in the production plan, 25% of the portion payable by the insured is collected upfront, while the remaining balance is collected in up to five installments.

Upon the expiration of the policy, a premium adjustment is made based on a calculation that uses the actual average monthly stock values ​​recorded throughout the production period.

The producer applies to our Bank—a member of the Agricultural Insurance Pool (TARSİM)—to insure their products. TARSİM initiates the risk assessment process upon the entry into the system of the preliminary information form, which is prepared based on the declaration of the policyholder/insured party. Based on the outcome of the risk assessment conducted by TARSİM, and in accordance with general terms, tariffs, and instructions, our Bank issues the policy within the system.

For the issued policy, TARSİM sends the Clarification Text (under the Law on the Protection of Personal Data - KVKK), the Policy Information Form, and the policy documents to our insured producers via SMS or e-mail, depending on their preference. If the insured producer prefers to receive a hard copy of the policy, our Bank first retrieves the Clarification Text (under the KVKK) and the Policy Information Form from the system in duplicate and provides one copy of each to the insured party against their signature. Subsequently, the Bank prepares two copies of the issued policy and provides one copy to the policyholder/insured party.

In the event that any risk covered by the policy materializes, the policyholder or the insured must submit a loss notification to the TARSİM Call Center (0850 250 82 77)—either directly or through an agent—within 24 hours at the latest. Additionally, the insured or policyholder can submit loss notifications directly via the "TARSİM MOBİL" application, regardless of time or location.

A veterinary expert appointed by the Agricultural Insurance Pool (TARSİM) inspects the animal for which the loss notification was filed as soon as possible, conducts the necessary examinations, and prepares the "State-Supported Livestock Insurance (Small Ruminants) – Loss Assessment Report." Once the claim file is finalized, the Agricultural Insurance Pool (TARSİM) pays the confirmed indemnity amount to the insured via bank transfer within a maximum of 30 days.