Ushma Kavach: A Climate-resilient shield for India’s dairy farmers

At IBISA, we believe climate risk should never stand between farmers and their livelihoods. Launched in February 2024, our product Ushma Kavach is our response to one of the most pressing yet overlooked challenges in Indian dairy farming: heat stress.

Heatwaves are becoming more frequent and intense, and the impact on dairy productivity is severe. When temperatures rise beyond safe thresholds, cows experience heat stress that can reduce milk production by up to 30%, directly affecting farmers’ incomes and financial stability.

Traditional insurance systems have struggled to respond quickly and efficiently to such losses. Ushma Kavach changes that.

It is a parametric insurance solution designed specifically for heat stress in dairy farming. Instead of relying on lengthy claims assessments, the product automatically triggers payouts when temperature thresholds are breached, ensuring farmers receive timely financial support when they need it most.

This simplicity is at the core of its value: no complex paperwork, no delays: just fast, transparent protection linked directly to real climate conditions.

With Ushma Kavach, IBISA is not just introducing a new insurance product, we are addressing a critical protection gap in the dairy sector and building resilience where it is urgently needed.

The demand is clear, the climate challenge is real, and the solution is here.

Contact us for more information about our product: info@ibisa.network