Eligibility & Triggers
Understand when your insurance policy qualifies for automatic payouts
Quick Eligibility Check
Kenya - Coverage Details
Weather Index Insurance
Trigger Mechanism: Automatic payouts based on rainfall measurements from weather stations and satellite data.
| Risk Type | Trigger Condition | Observation Window | Payout Timeline |
|---|---|---|---|
| Drought | Rainfall below historical average threshold | Critical growing periods | Within 24 hours of trigger |
| Excess Rain | Rainfall above maximum threshold | Planting and flowering stages | Within 24 hours of trigger |
Replanting Guarantee (RPG)
Automatic Coverage: Insurance included with maize seed purchases from participating stores. Uses M-Pesa for premium payments and payouts.
- Coverage automatically activated with seed purchase
- Satellite monitoring of farm plots using GPS coordinates
- Automatic payout if weather conditions prevent successful planting
- Payment via M-Pesa mobile money platform
Picture-Based Insurance
Smartphone Required: Farmers use smartphones to take periodic photos of crops for AI analysis.
- Real-time crop monitoring using smartphone photos
- AI and machine learning detect pests, diseases, and damage
- Faster claim processing compared to traditional methods
- Reduces disparity between payouts and actual losses
Kenya Partners: UAP Insurance, APA Insurance, Safaricom (M-Pesa)
Source: acreafrica.com - Last updated: n/a
Source: acreafrica.com - Last updated: n/a
Rwanda - Coverage Details
Crop Insurance Products
Coverage Focus: Maize and other staple crops with index-based triggers for weather-related losses.
| Product Type | Coverage | Trigger Method | Status |
|---|---|---|---|
| Index-Based Crop Insurance | Weather-related crop losses | Rainfall and temperature indices | Active |
| Livestock Insurance | Drought-related livestock losses | Vegetation and rainfall indices | Active |
Coverage Areas
Geographic Coverage: Rwanda is divided into 5 provinces and 30 districts. ACRE Africa operates across multiple districts with focus on agricultural regions.
- Targeted coverage in high agricultural activity districts
- Partnerships with local cooperatives and farmer groups
- Mobile money integration for premium payments and payouts
- Financial education campaigns to increase insurance uptake
Rwanda Partners: SORAS Insurance
Source: acreafrica.com - Last updated: n/a
Source: acreafrica.com - Last updated: n/a
Tanzania - Coverage Details
Available Insurance Products
Product Range: Comprehensive coverage including weather index, multiperil, and area yield insurance products.
| Insurance Type | Risk Coverage | Assessment Method | Payout Trigger |
|---|---|---|---|
| Weather Index | Drought, excess rainfall | Satellite and weather station data | Automated based on indices |
| Multiperil Crop Insurance | Multiple weather and pest risks | Hybrid assessment | Index + field verification |
| Area Yield Index | Regional yield shortfalls | Area-wide yield measurements | Below-average regional yields |
Operational Areas
Office Location: 3rd Floor, Tan Re House, Longido Street - Upanga, Dar Es Salaam
- Coverage across multiple regions of Tanzania
- Focus on smallholder farmers and agricultural communities
- Integration with local financial institutions and mobile money providers
- Blockchain technology implementation planned for automated payouts
Tanzania Office: P.O Box 77321, Dar Es Salaam
Source: acreafrica.com/contact-us/ - Last updated: n/a
Source: acreafrica.com/contact-us/ - Last updated: n/a
General Trigger Rules
Weather Index Triggers
Important: Specific trigger thresholds and observation windows are not publicly disclosed on the official website. Contact ACRE Africa directly for detailed trigger parameters.
- Rainfall Index: Based on precipitation levels compared to historical averages
- NDVI (Vegetation Index): Satellite monitoring of crop health and vegetation growth
- Temperature Index: Heat stress and cold damage thresholds
- Hybrid Indices: Combination of multiple weather and satellite parameters
Payout Calculation
Automated Processing: ACRE Africa uses blockchain technology to achieve 100% of claims processed within 24 hours.
- Payout amounts determined by severity of trigger breach
- Partial payouts for partial trigger conditions
- Maximum payout limits based on premium paid and coverage level
- No manual claim submission required for weather index products
Coverage Periods
Critical: Events occurring outside the policy coverage period are not eligible for payouts.
- Coverage typically aligns with crop growing seasons
- Specific start and end dates vary by product and location
- Grace periods may apply for late premium payments
- Renewal required for continued coverage
Not Eligible Scenarios
Common Ineligibility Reasons
- Outside Coverage Period: Events before policy start or after expiry
- Below Trigger Threshold: Weather conditions don't meet minimum trigger criteria
- Premium Not Paid: Policy lapsed due to non-payment
- Excluded Perils: Events not covered by the specific product type
- Geographic Exclusion: Farm location outside covered area
- Late Registration: Policy purchased after planting or critical dates
Appeal Process
If you believe your claim was incorrectly rejected, you can appeal the decision. Contact ACRE Africa support with:
- Policy number and documentation
- Detailed explanation of the event
- Supporting evidence (photos, weather data, etc.)
- Contact information for follow-up