A takaful policy providing protection against prolonged lack of pasture ONLY as a result of severe drought. It helps pastoralists keep their livestock alive during a severe drought season

The index is a measure of pasture availability that is recorded by satellites, called the Normalized Difference Vegetation Index (NDVI).

Pastoralists are not always paid when there is a drought. They are only paid when a drought is so severe, that the amount of available pasture falls below a laid down threshold