Kazakhstan Launches Digital Livestock Insurance System with Up to 80% State Subsidies

Against the backdrop of climate and epizootic risks, Kazakhstan is actively developing a voluntary livestock insurance system. With government support, farmers can now protect their livestock from a wide range of threats — from infectious diseases to natural disasters — while covering only 20% of the insurance premium.

According to the Agricultural Credit Corporation, the insurance program is implemented with significant state participation: 80% of the insurance premium is subsidized from the state budget. This makes animal insurance financially accessible even for small-scale farms.

The system covers major livestock categories — cattle, small ruminants, horses, pigs, and poultry. Insurance coverage is available throughout Kazakhstan, with the entire application and contract process moved online.

To apply, farmers must register on the Kezekte.kz platform, where the specialized QALQAN insurance service is hosted. In their personal account, users specify animals registered in the national "Identification of Farm Animals" system, choose an insurance company, and sign the contract using a digital signature. Only 20% of the insurance premium is paid by the farmer, while the remaining 80% is subsidized by the program operator based on the insurer's request.

The insurance program covers a wide range of risks: from outbreaks of dangerous infectious diseases to natural disasters such as floods, fires, and theft. Thus, farmers receive not just a policy, but a powerful tool for resilience — particularly relevant in the context of climate change and unpredictable weather conditions.

The Agricultural Credit Corporation encourages livestock producers across Kazakhstan to make active use of this insurance mechanism as part of a broader business risk management strategy. In a time of uncertainty, such an approach can provide much-needed financial stability for agricultural producers.