Cattle Insurance

Highlights Insurance Coverage Major Exclusions Documents to Effect Insurance Coverage Identification of Animal Claim Procedure

Highlights
1. This scheme covers the following whether indigenous, exotic or cross-bred. a. Milch Cows and Buffaloes b. Calves / Heifers c. Stud Bulls d. Bullocks (Castrated Bulls) and Castrated Male Buffaloes, 2. Animals within a specified age group are accepted under the Standard Insurance Scheme. 3. Sum Insured under the policy will be the Market Value of the animal. 4. Indemnity under the policy will be the sum insured or market value prior to illness whichever is less. The indemnity is limited to 75% of Sum Insured in case of a PTD claim. 5. The basic premium rate per annum is 4% of the Sum Insured. Long term policies are also issued with long term discounts. 6. The premium rates under the policy are concessional for covering animals under government subsidized schemes. 7. Group Discounts are also available.
Top

Insurance Coverage
The policy shall give indemnity for death due to. a. Accident (Inclusive of fire, lightning, flood, inundation, storm, hurricane, earthquake, cyclone, tornado, tempest and famine). b. Diseases contracted or occurring during the period of this policy. c. Surgical Operations. d. Riot and Strike. The Policy can also be extended to cover PTD on payment of extra premium; i. Permanent Total Disability which, in the case of Milch Cattle result in permanent and total incapacity to conceive or yield milk. ii. iii. PTD which in the case of Stud Bulls results in permanent and total incapacity for breeding purpose. In case of Bullocks, Calves / Heifers and Castrated male buffaloes results in permanent and total incapacity for the purpose of use mentioned in the proposal form.
Top

Major Exclusions
(A) Common Exclusions:

i. ii. iii.

Malicious or willful injury or neglect, overloading, unskillful treatment or use of animal for purpose other than stated in the policy without the consent of the Company in writing. Accidents occurring and /or Disease contracted prior to commencement of risk. Intentional slaughter of the animal except in cases where destruction is necessary to terminate incurable suffering on humane consideration on the basis of certificate issued by qualified Veterinarian or in cases where destruction is resorted to by the order of lawfully constituted authority. Theft and clandestine sale of the insured animal. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, tumult, military or usurped power or any consequences thereof or attempt threat. Any accident, loss, destruction, damage or legal liability directly or indirectly caused by or contributed to by or arising from nuclear weapons. Consequential loss of whatsoever nature. Transport by air and sea. Any non-scheme claim arising due to diseases contracted within 15 days from the date of risk are not covered. Pleuropneumonia in respect of Cattle in Lakhimpur and Sibasagar Districts and newly carved out districts out of these two districts of Assam. All the claims received without ear tag.
Top

iv. v.

vi. vii. viii. ix.

(B) Specific Exclusions:

i. ii.

Documents to Effect Insurance Coverage

a. Proposal Form b. Veterinary Health Certificate from a qualified Veterinarian giving the age, identification marks, health, and market value of the animal in the prescribed format.
Top

Identification of Animal
a. All insured animals should be suitably identified by natural Identification marks and color should be clearly noted in the proposal form and Veterinarian's Report. b. Ear tags made of suitable material are applied to the ear of the animals and the code number is entered into the Veterinary Health Certificate. c. Photographs of animals may be insisted in case of high value animal.
Top

Claim Procedure
In the event of death of an animal, immediate intimation should be sent to the Insurers and the following requirements should be furnished: a. Duly completed claim form. b. Death Certificate obtained from qualified Veterinarian on Company's form. c. Postmortem examination report if required by the Company.

d. Ear Tag applied to the animal should be surrendered. The condition of' No Tag- No claim' will be applied if the tag is not surrendered.. Claim Procedure For PTD Claim i. A certificate from the qualified Veterinarian to be obtained. ii. iii. iv. v. The animal will be inspected by the company's Veterinary Officer also. Complete chart of treatment, medicines used, receipts, etc., should be submitted. Admissibility of claim will be considered after two months of Veterinary Doctor / Company Doctor's report. The indemnity is limited to 75% of Sum Insured.
Top

Note: Policy details given are indicative, not exhaustive. Please contact your nearest NIA office for further details.

Sheep & Goat Insurance

Highlights Scope Exclusion Sum Insured Claim Procedure

Highlights
All indigenous, crossbred and exotic Sheep and Goat will be covered under this Scheme.
Top

Scope
The policy shall provide indemnity against death of sheep and goats due to accident Including Fire, Lightning, Flood, Cyclone, Famine, Earthquake, landslide, Strike, Riot or diseases contracted or occurring during the period of insurance.
Top

Exclusion
Common Exclusion
1. Malicious or willful injury or neglect, overloading, unskillful treatment or use of animal for purpose other than stated in the policy without the consent of the Company in writing. 2. Accidents occurring and /or Disease contracted prior to commencement of risk. 3. Intentional slaughter of the animal except in cases where destruction is necessary to terminate incurable suffering on humane consideration on the basis of certificate issued by qualified Veterinarian or in cases where destruction is resorted to by the order of lawfully constituted authority. 4. Theft and clandestine sale of the insured animal. 5. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, tumult, military or usurped power or any consequences thereof or attempt threat. 6. Any accident, loss, destruction, damage or legal liability directly or indirectly caused by or contributed to by or arising from nuclear weapons. 7. Consequential loss of whatsoever nature. 8. Transport by air and sea. 9. Any non-scheme claim arising due to diseases contracted within 15 days from the date of risk are not covered.

Specific Exclusion
Enterotoxaemia, Sheep Pox, Goat Pox, Rinderpest, FMD, Anthrax, H.S, B.Q. These diseases are covered by the policy if the animal is successfully inoculated (protected) and necessary Veterinary Certificates are supplied to the Company.
Top

Sum Insured

a. The market value of sheep and goats varies from breed to breed, from area to area and from time to time. The examining Veterinarians recommendations shall be considered as the proper guide for acceptance of insurance as well as for settlement of claims. b. Sum insured will not exceed 100% of market value.
Top

Claim Procedure
1. In the event of death immediate intimation should be given to the Company and the Insured should furnish the following documents and required information. 2. Duly completed claim form. 3. Death certificate from a Veterinarian on Company's form. 4. Post mortem examination report if required by the Company. 5. Ear tag wherever applicable.

Poultry Insurance Scheme

Major Exclusions
a. Malicious / willful injury, neglect. b. Transit by any mode of transport. c. Improper management (including over crowding) i.e. when the farm is not run on scientific poultry management guidelines and standards laid down by Poultry Corporations/ Animal Husbandry Department in regard to housekeeping, watering, feeding, vaccination, deworming, debeaking, lighting/ heating, culling etc.

d. Loss / death due to natural mortality, non-specified or unknown diseases or reasons. e. Undergrowth, cannibalism, action or predators like preying birds and carnivorous animal. f. Theft and clandestine sale of birds. g. Intentional slaughter of the birds except in cases where destruction is necessary to terminate incurable suffering on humane consideration and to protect remaining healthy flock to reduce additional losses on the basis of certificate issued by qualified Vet. Surgeon or in cases where destruction is resorted to by order of lawfully constituted authority, under intimation to Insurance Company. h. Consequential loss however caused. i. Permanent and partial disablement of any nature.

j. k.

Loss of production i.e. the failure due to any reasons whatsoever to lay required number of eggs or small sized eggs in layers or to attain proper weight at a particular age in Broilers. Marek's disease, Ranikhet disease, Fowl Pox and Infectious Bronchitis. These diseases are covered by the policy if the birds are successfully inoculated against these diseases and the necessary veterinary certificate to that effect is supplied to the company. Coccidiosis and other diseases are covered only if preventive and curative measures are taken from time to time. Malnutrition/ shortage of water, death due to starvation because of non supply of feed to birds or similar reasons of whatsoever nature.

l.

m. Undergrowth. n. Cannibalism o. Loss due to huddling and / or piling of birds. p. Avian leucosis Complex (A.L.C.) q. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, tumult, military or usurped power or any consequences thereof or attempt threat. r. Any accident, loss, destruction, damage or legal liability directly or indirectly caused by or contributed or arising from nuclear weapons.
Top

How to Effect Insurance?

1. Proposal Form 2. Veterinary Health Certificate from a qualified Veterinarian 3. All birds in the farm should be covered. 4. Farm should follow standard package of practices, vaccination schedule, deworming, debeaking. 5. Farm should maintain essential records as per insurers specifications.
Top

Claim Procedure
i. In the event of death of birds immediate intimation should be given to the Company and the Insurer should be supplied with the following documents and required information : a. b. c. d. e. ii. Duly filled in claim form. Vet. P.M. Report for sample birds. Daily records of mortality, feeding etc. Purchase invoices for the birds. Any other point to substantiate the loss like photographs, medical bills, etc. as and when required.

In case of alarming death/outbreak of epidemic nature immediate notice within 12 hours should be given to the Company and all birds should be segregated and produced to the representative of the Company or to any person authorised by the Company for inspection. Daily mortality details should be sent to the Company on weekly basis failing which report will be treated as nil for that particular week. Delay in reporting of the claim should be avoided and if there is delay for more than three days the claim would be treated as non-standard.

iii. iv.

v.

In case of doubtful claims/ farms for which claim ratio is adverse, Technical Report from an expert may be insisted for settlement of claim.

Horticulture / Plantation Insurance

Highlights Scope Exclusion Period of Insurance Sum Insured

Highlights
The policy provides cover for loss of or damage to the insured tree/fruits such as grape, citrus, banana, rubber, eucalyptus, tea, oil palm, orchids, roses etc.
Top

Scope
Provides cover for loss due to 1. Fire (including forest fire and bush fire) 2. Lightning 3. Storm, Flood and Inundation 4. Riot, Strike and Terrorism
Top

Exclusion
Loss due to 1. Loss by theft 2. Earthquake 3. Loss/damage due to insects, pests and diseases (unless specially covered) 4. Non-compliance with package of prescribed agricultural practices for the insured crop 5. Climatic variations, pollutions, non-bearing fruits 6. Damage by birds, animals 7. Damage by plant supports, irrigation system, agricultural equipment

Top

Period of Insurance
This period is for the crop duration (from planting to harvest) or one year whichever is shorter
Top

Sum Insured
Sum Insured is based on the input costs i.e. cost of cultivation. Input costs are cost of manures, cost of pesticides, cost of ploughing and harvesting, labour cost of planting, cost of plant/seedlings etc.