Cattle and livestock insurance policies provide coverage for animals such as cows, buffaloes, bullocks, sheep and goats owned by individuals that are used commercially or personally. The policies cover the risks of permanent disability or death of the animals due to accidents or diseases during the policy period. They cover deaths caused by accidents, diseases, surgeries, riots and strikes. The policies also cover permanent total disability of cattle. However, they do not cover willful injury, neglect, overloading, unskilled treatment, use of animals for unauthorized purposes, pre-existing accidents or diseases, intentional slaughter, theft or sale of insured animals, or losses due to war, nuclear events, or diseases within 15 days of the policy start

2. Cattle and livestock are the bread and butter
for billions of farmers in India and cross the
world. With this regard the insurance policy
covers animals such as cows, buffaloes,
bullocks, sheep and goats owned by the
different individuals and which are used for
commercial and for personal purposes
against the risk of permanent total
disablement or death due to accident and/or
any diseases which the animal may contract
during the policy period.

3. The policy covers death caused by:
 Accident inclusive of fire, lighting,
flood, storm, hurricane, earthquake,
cyclone, tornado etc.
 Diseases contracted or occurring
during the period of the policy.

4.  Surgical operation.
 Riot and strike taking place which cause to
death.
The policy also provides cover against
permanent total disablement suffered by
the cattle due to any accident or illness.

5. The policy does not cover the following:
 Willful injury or neglect, overloading,
unskillful treatment or use of animal for
purpose other than stated in the policy.
 Accidents occuring and/or diseases
contracted prior to commencement of policy
period.

6.  Intentional slaughter of the animal.
 Theft and clandestine(done secretly) sale of
the insured animal.
 War, invasion etc.
 Any accident, loss/destruction caused by
nuclear weapon.
 Death of the insured animal covered under
the policy due to diseases or any within 15
days from the date of commencement of
the policy.

7. RELIANCE CATTLE INSURANCE POLICY
THE NEW INDIA ASSURANCE CO. LTD
(Wholly owned by the Govt. of India)
HDFC ERGO

8. Ear tags made of suitable material are
applied to the ear of the animal and the
code number is entered into the
veterinary health certificate.
Photographs of animals may be insisted
by the insurance company in case of
high value animal.

9. Animal within a specified age groups are
accepted for insurance.
Sum insured under the policy will be the
market value of the animal.
The sum of money paid for compensation
by the company is limited to 75% of sum
insured.

10. Duly completed claim form.
Death certificate obtained from qualified
veterinarian.
Postmortem report if required by the
company.
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.

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