CATTLE INSURANCE CLAIM PROCESS

In India, cattle insurance provides crucial protection for farmers and their livestock. This coverage shields farmers from financial losses due to unforeseen events, such as illness, accidents, or natural disasters affecting their cattle. The insurance typically covers medical expenses for sick animals or compensates for the loss of a deceased animal. By offering this safeguard, cattle insurance supports farmers in sustaining their livelihoods, ensuring they can recover from setbacks and continue their agricultural activities. This simple yet impactful solution contributes to the well-being of both farmers and their essential livestock, fostering stability in the agricultural sector.

How to Claim Cattle Insurance?

• 1 Swift Notification

• 2 Document Confirmation

• 3 Document Submission

• 4 On-Site Validation

• 5 Claim Verdict

Navigating the cattle insurance claim journey involves the following simple steps:

- Owners can promptly inform the insurer through easy and hassle-free claim registration process. Claim registration can be done through website, Chatbot, Caringly Yours App or customers can connect directly with our dedicated customer care executives.

- Obtain a death certificate or a disability certificate from a qualified veterinary practitioner as evidence.

- Beneficiaries complete and submit the claim form along with the required death or disability certificates.

- An authorized representative from the insurance company conducts a thorough on-site visit to validate the submitted information.

- Upon genuine verification, the beneficiary receives the claim amount. Conversely, if found invalid, the claim is respectfully declined.

- This streamlined process ensures a detailed and efficient handling of cattle insurance claims.

Documents Required For Filing Cattle Insurance Claim

- Completed claim form

- Identification tags of insured cattle

- PAN/Form 60 and KYC documents

- Insured cancel cheque (non-hypothecation cases)

- Attested death certificate by authorized veterinary doctor

- Post-mortem report by authorized veterinary doctor

- Minimum 10 photos of the deceased animal

- Bank hypothecation letter with identification tag (if required)

- Clear photographs showing the tag number

- Treatment papers for deaths due to disease

- For vehicular accidents, FIR, Spot Panchnama, and police closing report

- Any additional documents for special conditions

What does Cattle Insurance Cover?

Apart from fatalities or disabilities resulting from fire, road accidents, drowning, electrocution, snake bites, or poisoning, cattle insurance provides protection for various other situations, such as:

- Fatality due to diseases, infections, or calving during surgical procedures during the policy period.

- If specifically covered, permanent total disability, which, for milch cows, includes the inability to conceive and produce milk, and for bulls, the incapacity to breed.

- Death due to accidents (including fire, lightning, flood, storm, earthquake, cyclone, tornado, tempest, and famine).

- Death due to riot and strike.

- Additionally, the policy can be extended to cover Permanent Total Disability (PTD) for an extra premium

- If specifically covered, PTD for Bullocks, Calves/Heifers, and Castrated male buffaloes: Permanent incapacity for the specified purpose mentioned in the proposal form.

Major Exclusions

- No coverage for injuries or neglect caused intentionally or due to unskillful treatment or use without Company consent.

- Excludes accidents or diseases occurring before the policy's start.

- Not covered: war, invasion, civil unrest, rebellion, terrorism, intentional slaughter (unless for humane reasons or by lawful order).

- Excludes loss or damage caused intentionally by the Insured.

- Excludes transportation by air and sea, and beyond specified distances.

- Does not cover death due to specific diseases, ionising radiation, theft, or clandestine sale.

- Partial disability, death from diseases within 15 days, and consequential losses are not covered.

- Specific exclusions for sheep and goats are listed, but coverage is possible with successful inoculation and veterinary certificates..

- Death due to Pleuropneumonia.

Please note: The burden of proving covered claims lies with the insured. Exclusions as per Bajaj Allianz GIC cattle and livestock policy wording.

Benefits of Buying Cattle Insurance

Protect your rural livelihood with cattle insurance in India. It provides financial security for farmers against death, disability, and risks, ensuring peace of mind and safeguarding valuable assets.

Comprehensive Coverage

Cattle insurance aims to assist rural India, offering protection against death and permanent disability.

Multi-Risk Protection

Safeguarding against famines, accidents, earthquakes, riots, strikes, surgical operations, fire, explosions, lightning, aircraft damage, missile testing, diseases, and natural calamities.

Policy Period Vigilance

Inclusive coverage extends to diseases and infections contracted during the policy period.