From a single acre of maize to a herd of cattle, we have a product built for how Kenyan farmers actually work.
Satellite rainfall data triggers automatic payouts. No claims forms, no assessors, no paperwork. When the rains fail, the money arrives.
We track rainfall via satellite for your county. If cumulative rainfall falls below a set threshold during the growing season, a trigger fires automatically. The payout lands in your M-Pesa within 72 hours.
Drought and excess rainfall for maize, beans, sorghum, millet, and wheat. You choose your acreage and sum insured. Premiums start from KES 50 per acre per season.
Dial *384# → select "Weather Index" → pick your crop and county → pay via M-Pesa STK Push.
Mortality cover for cattle, goats, and sheep. RFID-tagged for verified head count. Pays out on death from disease, drought, or theft.
Our field agents or your partner cooperative tag each animal with an RFID chip. The verified head count is registered on the platform. If an animal dies from a covered cause, submit a notification via USSD and the payout follows after verification.
Death from disease, drought-related starvation, and theft (with police report). Cattle, goats, and sheep. Sum insured per animal, set at enrolment. Premiums from KES 200 per animal per year.
Payouts based on actual harvested yield in your area. When the whole zone underperforms, every insured farmer in the area gets paid.
At harvest, yield data is collected from sample plots in your area. If the average yield falls below the guaranteed threshold, every farmer with an active policy in that area receives a proportional payout.
Yield shortfall from any insured peril (drought, flood, pest, disease). Available for maize, wheat, and rice. Group enrolment via cooperatives and partners. Premiums from KES 100 per acre.
Insured farmers with verified assets get referred to SACCOs and Agricultural Finance Corporation for credit. We refer — we never disburse, guarantee, or collect.
Once your plot or livestock is registered and insured, you can consent to a credit referral. Modela packages your verified asset data and refers you to a partner lender. The lender decides on the loan — not us.
Modela is an insurance platform, not a lender. We never handle loan disbursement, collection, or guarantee. Your consent for credit referral is separate and withdrawable at any time — withdrawal stops sharing immediately.
Enrol in minutes on any phone. Or talk to us about group cover through your cooperative.