Cattle Insurance Claim Process

Register your Cattle Insurance Claim

Register Claim

Dial our Toll Free Number

1800-209-5858

Email us on

bagichelp@bajajallianz.co.in

For Whatsapp Chatbot

Scan the

FAQ's

What is a cover note?

It is a temporary insurance certificate that your insurer will give you, prior to the issuance of a policy. This is after you have duly filled and signed the proposal form and paid up the premium in full. It is valid for a period of 60 days (from the date of its issue) and warrants the Insurance Company to furnish the insurance certificate before

What if I want to make certain changes within the policy?

The term you might be looking for here is endorsement, which is an agreement in writing, concerning changes in your insurance policy. An endorsement can be put into action during issuance of the policy in order to introduce add-ons and a more extensive coverage or impose certain restrictions.

What is a No Claim Bonus?

You will be eligible for a No Claim Bonus (NCB) in case you don’t make a single insurance claim over the course of your policy. It reduces the premium on your car insurance policy and is a token for you being the good driver that you are. NCB can be transferred to a new vehicle belonging to the same class and is valid for a period of 90 days from

What to do when my policy expires?

Keep Bajaj Allianz on your speed dial and give us a holler on our Toll Free Number 1800-209-5858 in case your policy expires. We are working 24 hours, just to provide you a hassle-free insurance experience!

What to do when my policy expires?

Keep Bajaj Allianz on your speed dial and give us a holler on our Toll Free Number 1800-209-5858 in case your policy expires. We are working 24 hours, just to provide you a hassle-free insurance experience!

What types of policies are available under rural insurance?

There are various types of policies available, including crop insurance, livestock insurance, rural property insurance, and rural business insurance. Each policy is designed to address specific risks associated with rural life and work.

How can I choose the right rural insurance policy for my needs?

To choose the right policy, assess your specific risks and needs. Consider factors such as the type of crops or livestock you have, the value of your property and equipment, and any potential liabilities. Consulting with an insurance advisor can help you select the most appropriate coverage.

What factors affect the premium of a rural insurance policy?

The premium for a rural insurance policy is influenced by factors such as the type and value of the insured assets, the level of coverage chosen, the location of the property, and the insured's claim history.

Can I customise my rural insurance policy to suit my specific needs?

Yes, many insurers offer customisable rural insurance policies that allows you to select the coverage options and limits that best suit your specific needs and risks.

What is the duration of a typical rural insurance policy?

The duration of a rural insurance policy can vary based on numerous factors, but most policies are issued on an annual basis. Some policies may offer multi-year coverage options. You may check with your insurance provider to know more.

How do I file a claim under my rural insurance policy?

To file a claim, notify your insurer as soon as possible after an incident occurs. Provide details of the incident, supporting documents, and cooperate with the insurer's investigation. The insurer will assess the claim and provide compensation based on the policy terms.

What documentation is required to support a rural insurance claim?

Required documentation may include photos of the damage, receipts for repairs or replacements, veterinary reports for livestock claims, and any other relevant evidence that supports the claim. Your insurer will provide specific guidance on what is needed to successfully process the claim.

How long does it take to process a rural insurance claim?

The time it takes to process a claim can vary depending on the complexity of the claim and the insurer's procedures. Generally, straightforward claims may be processed within a few weeks, while more complex claims may take longer. Your insurer can provide an estimated timeline.

What should I do if my rural insurance claim is denied?

If your claim is denied, review the denial letter to understand the reasons. You can appeal the decision by providing additional documentation or evidence to support your claim. Consulting with an insurance advisor can also help you navigate the appeals process.

Can I track the status of my rural insurance claim?

Many insurers offer online portals or customer service hotlines where you can track the status of your claim. Contact your insurer to find out how you can monitor the progress of your claim.

How do I renew my rural insurance policy?

To renew your policy, contact your insurer before the policy expiration date. Review your current coverage and make any necessary adjustments based on changes in your assets or risks. Pay the renewal premium to ensure continuous coverage.

Can I make changes to my rural iinsurance policy at renewal?

Yes, you can make changes to your policy at renewal. This is a good time to reassess your coverage needs and update your policy to reflect any changes in your assets, risks, or business operations. Discuss any changes with your insurer to ensure adequate coverage.

What happens if I miss the renewal date for my rural insurance policy?

If you miss the renewal date, your coverage may lapse, leaving you unprotected against potential risks. It is important to renew your policy on time to maintain continuous coverage. Some insurers may offer a grace period, but it is best to confirm this with your insurer.

Will my premium change when I renew my rural insurance policy?

Premiums may change at renewal based on factors such as changes in your coverage needs and claim history. Review your renewal notice and discuss any changes with your insurer.

Can I switch insurers when renewing my rural insurance policy?

No; you need to buy another rural insurance from a different insurance provider if you feel that your current rural insurance plan isn’t providing ample coverage.

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?

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.