CRIMIS
Climate Risk Insurance Management Information System
Bringing Index Insurance to Smallholder Farmers — Automated, Affordable, and GPS-Enabled
Parametric Insurance Made Accessible
CRIMIS connects smallholder farmers, field agents, and administrators for seamless index insurance — with automated payouts, no farm inspections, and GPS-enabled enrollment.
How It Works
Farmers enroll with GPS auto-capture, select an index insurance product, pay via mobile money, and receive automatic payouts when a satellite-verified index threshold is triggered — no assessment needed.
Satellite-Powered Triggers
Payouts are triggered by satellite rainfall data and NDVI vegetation index — not individual farm visits. This eliminates costly monitoring and makes index insurance viable for smallholder farmers.
GPS Enrollment
GPS coordinates are captured automatically on enrollment — placing each farmer in the correct ward and district for the right index product and risk zone. Works offline in remote areas.
About CRIMIS
CRIMIS is Zimbabwe's parametric and index insurance platform built exclusively for smallholder farmers — the segment most excluded from conventional insurance markets.
Conventional insurance requires farm inspections and individual loss verification — costs that make premiums unaffordable for smallholder farmers. Index insurance eliminates these costs by paying out based on objective, satellite-verified data, making coverage genuinely accessible.
Index Insurance Products
- Weather Index Insurance: Automatic payouts when satellite rainfall falls below a pre-set trigger threshold during the growing season
- Area Yield Index Insurance: Payouts based on ward or district average yield falling below a guaranteed level — no individual farm assessment
- Hybrid Index Insurance: Combines weather index and area yield index for broader smallholder protection
- Livestock Index Insurance: Payouts triggered by pasture condition or rainfall index — not individual animal loss verification
Smallholder Farmers
Enroll digitally via GPS, receive index-based coverage, pay via EcoCash or OneMoney, and get automatic payouts when index thresholds are triggered
Field Agents
Register farmers in the field with GPS auto-capture, enroll farmer groups, collect EcoCash/OneMoney premiums, and work offline in rural areas
Administrators
Configure index products at ward and district level, approve policies, monitor satellite triggers, manage payouts, and generate reports
Ward & Cooperative Enrollment
CRIMIS supports ward-level product arrangement and cooperative group enrollment — the way smallholder farmers in Zimbabwe are naturally organised. Ward-level products minimise basis risk by keeping index measurements close to the farmer.
Support & Community
Field agents and administrators have access to a community hub for sharing information, submitting feedback, and accessing agricultural advisories relevant to index insurance products.
Community Hub
