Section II

Rural House Holders Insurance policy

1. Gramin Personal Accident Insurance Policy
2. Comprehensive insurance for Irrigation Systems (Lift, Drip, Sprinkler etc.)
3. Composite Package policy for Tribal
4. -->
  A. cattle and Live stock Insurance
  B. Sheep and Goat Insurance
  C. Horse, Ponny, Mule & Donkey Insurance
  D. Pig Insurance
  E. Camel Insurance
  F. Rabbit Insurance
  G. Zoo’ Circus Animals Insurance
  H. Elephant Insurance
  I. Dog Insurance

5. Poultry and Duck Insurance
6. Aqua Culture Insurance
7. Silk Worm Insurance and Honeybee Insurance
8. Articulator, Plantation and Floriculture Insurance
9. Agriculture, Pumpset Insurance
10.Insurance Policy for Rural Assets viz.

  1. Animaldrivan Cart,
  2. Gobar gas

11. Claim Insurance for Rural Insurance Policies

GRAMIN ACCIDENT POLICY (GAP)
Applicability:

Policy covers death or permanent total disablement due to accident.
Age:
Person in the age group of 10 to 70 years can be covered.
Sum Insured:
Rs.10, 000/- to Rs.5, 00,000/- and in extraordinary cases even beyond 5 lakh.

Benefits:

Following is table of benefits:

  1. Death 100% CSI
  2. Permanent Total Disablement 100% CSI
  3. Loss of two eyes/limbs 100% CSI One eye and one limb
  4. Loss of one eyes or one limb 50% CSI

Premium:

Re.0.05 per thousand for normal risk and Re.0.06 per-thousand for heavy risk. Long term policy upto 10/15 years available with attractive discount. Group policies eligible for group discount.

Claims procedure:

  1. Immediate notices to be given to the policy issuing office.
  2. Submit claim from along with medical certificate and bills.
  3. For death claim, nominee should submit
  1. Death Certificate
  2. Original Policy

    3. c) Claim form

COMPREHENSIVE INSURANCE FOR IRRIGATION SYSYTEM (LIFT, DRIP, SPRINKLER ETC).

Scope of cover:

The policy provides indemnity against damage caused to irrigation system (lift, Drip, Sprinkler etc.). The policy covers each item of the irrigation system and its accessories.

Premium Rate:

1% of Sum Insured.

Sum Insured:

Sum Insured should be equal to the cost of replacement of insured property by new property of the same kind and capacity. It should include freight, custom duties and erection costs, also. Sum insured for each part/item to be declared separately.

Risks covered:

Fire, Riot, Strike, Malicious damage, Flood, Storm, Cyclone, Earthquake, landslide, Bursting of Pipelines, Accidental damage to Machinery and Pipelines, Mechanical and electrical breakdown, theft.

Exclusion:

War and nuclear perils, overload experiments/test, gradual wear and tear and deterioration, wilfull negligence, consequential loss, terrorism, loss/damage for which manufacturer is liable, pre-existing flaws/defects.

Claims:

In the event of claim, from the first day of loss the sum insured is reduced by the amount of claim. In order to prevent under insurance during the remaining period of policy, it is necessary to reinstate the sum insured by payment of pro-rata additional premium.

An amount of Rs.1000/- is deducted on each and every claim under policy. However, the amount of deductible, in case of bread down claims shall be limited to Rs.250/- per claim.

COMPOSITE PACKAGE POLICY FOR TRIBALS

The policy is designed, at a very low cost, to provide protection to Tribals in respect of assists as well as self and family members. The brief particulars are as under.

 

S
No

Property insured

Risk Covered

Maximum sum insured

Rate of Premium

i.

Dwelling Unit/Hut and contents

Fire and allied Perils

Rs.2000/-

Rs.3.00 per thousand

ii.

Personal Accident

Similar to JPA/GPA

Rs. 6000/-

Rs. 3.00 per person

Iii.

Hospitalization

Tuberculosis Leprosy and Cancer

Rs.1000/-+Rs.4000/-

Rs.1.82 + Rs. 0.18 i.e. Person.

It is possible to cover Tribals on group basis, which can attract discount in premium ranging from 2.5% to 45% depending upon number of persons.

The policy is governed by following two important provisos:

  1. Satisfactory health statement before commencement of insurance
  2. Expenses for disease/illness contracted by insured person during first 30 days from commencement of policy are not payable.

General:

It is possible to issue a package policy for Farmers covering the assets and family members on similar lines like the package cover available for Tribals.

CATTLE AND LIVESTOCK INSURANCE

(In case of adverse claim ratio, Malus applicable as per scale)

Species:

  1. CATTLE
  1. Milch cows

    2. 1. Indigenous Crossbreed

    Age group
    2-10 years
    Premium per annum
    Non-scheme - 4%
    Scheme - 2.25%

    2. Exotic

    Age group: -
    2-10 years
    Premium per annum
    Non-scheme -6%
    Scheme -2.25%

  2. Milch buffaloes

    Age group:
    3-12 years
    Premium per annum
    Non-scheme:- 4%
    Scheme: - 2.25%

  1. Stud Bul

    Age group:
    3-8 years
    Premium per annum
    Non-scheme -4%
    Scheme -2.25%

  1. Bullocks

    Age group:
    3-12 years
    Premium per annum
    Non-scheme -4%
    Scheme -2.25%

  1. Female calves/ Heifers

Age group:
From 4 month to 32 months up to first calving whichever is earlier.
Premium per annum
Non-scheme -4%
Scheme -2.25%

Permanent total Disability (PTD) (Additional cover)
Premium per annum
Non-scheme -1%
Scheme –0.85%
Transit (for non-scheme; distance exceeding 80kms) (Additional premium)
Premium per annum
Non-scheme -1%
Scheme –nil

Exclusion

  1. Common Exclusion: Theft, clandestine sale, malicious or willful injury, neglect unskilled treatment, intentional loss, transport by sea and air way invasion nuclear weapons accident occurring/Disease contracted prior to commencement of policy. Any non-scheme claim arising due to disease contracted within 15 days of inception of risk.
  2. Special Exclusion so. All claims received without ear tag. Pleuro pneumonia in lakhimpur and Sibsagar district in Assam.

Sin insured and indemnity

Indemnity for non-scheme animals sum insured or market value prior to illness which ever is less

- For Scheme Animals: 100% sum insured

  • For PTD indemnity is limited to 75% of sum insured.

Special features

  1. Death due to accident or disease Group Discount available if number of animals is above 25 from single source other than bank.
  2. Long terms Discount on policy available as follows
  3. Non-Scheme – 3 & 4 years policies – 15%, 5 years and above – 25%
  4. Scheme: Net Premium @ 4.8% for 3 years premium @ 1.60% charged for each additional year over 3 years.
  5. Facility for adjustment of premium available in case of premature death before expiry of long terms policy in case of scheme
  6. Transfer of interest subject to adjustment of premium on pro-rata permitted in case of non-scheme cattle only.

B. SHEEP & GOATS

  1. Indigenous Crossbreed

Age group:
Age limit (4 months to 7 years)
Premium per annum
Non-scheme -4%
Scheme -2.75%

Exclusion

  1. Common Exclusions : as per cattle insurance as above
  2. Specific exclusions: enterotoxaemia. Sheep Pox, Goat Pox, RP, FMD, Anthrax, HS, BC, Above diseases are covered, only if successfully inoculated and necessary Vet. Certificate supplied to the Company. PTD not covered.

Sin insured and indemnity

Same as Cattle Insurance

Special features

  1. Group Discount available as per scale.
  2. Long term discount on policy available as follows:
  • Non-Scheme 3-4 years Policies 15%
  • 5 years policies and above 25%
  • Scheme
  • 3 years and above 25%

Migration of sheep and goats within state covered. Claim arising outside State in case of Drought, Epidemics, and natural calamities movement from lower altitude to higher altitude is also payable

C. HORSE/PONY/MULE/DONKEY

  1. Draught horses, Donkeys, Ponies, Mules, Yaks (Indg/CB/Exotic)

Age group:
2-8 years
Premium per annum
Non-scheme -4%
Scheme -2.75%

  1. Permanent Disability

Age group:
Additional Premium
Premium per annum
Non-scheme -1%
Scheme –0.85%

Exclusion

  1. Common Exclusions : as cattle insurance as above

Specific exclusions: Disease contracted prior to or within 15 days of inception of risks. Racing hunting and blood stock purpose Disease viz. Glanders, SAHS, RP, Anthrax, FMD, BQ, Tetanus etc. above disease are covered only on production of successful vaccination certificate.

Sin insured and indemnity

Non scheme: 80% of the sum insured or market value whichever is less.
Scheme: 100% of sum insured. 75% of Sum Insured

Special Features

long term discount for :
Non-scheme: 3 and 4 years – 15%
5 years and above – 25%
Scheme: 3 years and above – 25%

D. Pig insurance

Indigenous Cross breed and exotic

Age group:
4 months to 6 years
Premium per annum
Non-scheme –5%
Scheme –2.75%

Exclusion

Common Exculsions as per cattle insurance as above

  1. Disability of any kind
  2. Disease Contracted prior to and/or within 15 days of inception of risk
  3. Breeding and farrowing risks

Swine fever-covered only on successful vaccination.

Sin insured and indemnity

Sum insured as per Valuation Table
Indemnity: 80% of SI or certified MV at death whichever is less
Scheme – 100% of SI

E. CAMEL

Adult Males and Females

Age group:
3-12 years
Premium per annum
Non-scheme -4%
Scheme –2.75%, 5% extra per year above 10 years for non-scheme

Exclusion

  1. Common Exclusions as per cattle insurance as above
  2. Special Exclusions:
  1. Partial disability
  2. Disease contracted prior to and/or within 15 days from inception of risk.

Surra-covered only if preventive and curative measures taken

Sin insured and indemnity

Indemnity:Non-scheme–80
% of the SI or market value prior to illness whichever is less
Scheme – 100% of SI
For PTD –70%of indemnity

Special Features

Long term discount @ 25% for 3 years and above available for scheme animals. Transfer of Interest: same as Cattle insurance

F. RABBIT

Age group:
3months to 3 years
Premium per annum 7%

Exclusion

a) Common Exclusions: as per cattle insurance as above

b) Specific Exclusions,

i) Partial & PTD

ii) Pasteurellosis

iii) Culling

iv) Cannibalism & intentional slaughter

v) Undergrowth

  1. Myxomatosis and coccidosis covered only if proper vaccination and prevention measures taken

vii) Death due to disease untill age of 30 days is completed

Sin insured and indemnity

SI 100% of market value
Indemnity: 70% of SI or Market Value

Special Features

Salvage value of Rs. 10/- per rabbit to be deducted at claim

G. ZOO AND CIRCUS ANIMAL

Zoo animals circus animal

Premium per annum

5% and 7.50% rate to be modified based on past loss experience

Exclusion

As per cattle insurance policy for animals and as per poultry insurance policy for bird

Sin insured and indemnity

Done by curator and health certificate issued by Vet. Doctor.

H. ELEPHANT

  1. Temple Elephant

    Age group:
    5 to 60 yrs
    Premium per annum 4.50%

  1. All others

Age group:
5 to 60 years
Above 60 years
upto 65 yrs.
Premium per annum
5.00% Additional Premium of @1/2% for each additional year

Exclusion

Common Exclusions as per cattle insurance as above

  1. Specific Exclusion:
  1. Partial and permanent total disability
  2. Surgical operations other than for treatment of disease or accident occurring in policy period
  3. Breeding and calving risks
  4. Disease contracted prior to and within 15 days of commencement of risk.

Tuberculosis, HS, Anthrax, Implication of colon, Tetanus Rabies covered only if preventive and curative measure taken from time to time

Sin insured and indemnity

Sum insured Restricted to 80% of market value
Value of tusk is excluded
Indemnity 80% of SI

Special Features

On payment of additional premium of Rs.5/- the Mahot can be covered under GAP
Public liability with a limit of Rs.5,000/- per person. Rs. 25000/- per event and Rs. 1,00,000/- per year can be provided on the payment of additional premium of Rs. 100/-

I. DOG

(Pure or CB pedigree dogs)
Extension of Policy

Age group:
8weeks to 8 years
Premium per annum 5%
Death by accident in transit by air, rail, or water and show risk
Premium per annum 0.5%
Accidental poisoning
Premium per annum 1.0%
Whelping risk
Premium per annum 0.5%
Loss of litter
Premium per annum 2.0%
Lost or stolen
Premium per annum 2.0%
Loss of show fees (limit Rs.250/-)
Premium per annum 0.3%
Loss of value due to accident
Premium per annum 0.5%TP liability (Rs.5000)

Exclusion

  1. Common Exclusion as per cattle insurance as above
  2. Specific Exclusions
  1. Disease contracted prior to and within 15 days of commencement of risk.

ii) Transit, show risk, breeding and whelping risk unless specifically covered Rabies, distemper, Hepatitis Leptospirosis, viral enteritis (covered if vaccinated properly).

Sin insured and indemnity

SI-Purchase price as per Kennel/Canine club/Vet. Dr. Certificate.
Indemnity; 100% of SI or Market Value. Maximum value not to, exceed Rs.10,000/-.

Special Features

The policy has several extensions on payment of additional premium and these extensions are defined.

POULTRY INSURANCE

Species

Exclusion

Sin insured and indemnity

Special features

A. Poultry (CB/Exotic)

1. Broilers

Batchwise

Age Group:

1 day to 8 weeks

Premium (non-scheme) :

1.50%

Per bird (scheme): Rs.0.25

1 day to 6 weeks – 1.20%

1 day to 8 weeks – 6.00% - Rs. 1.00

1 day to 6 weeks – 4.80%p.a

Malicious/Wilful injury neglect transit, improper management (including over crowding) undergrowth natural mortality

Non-Scheme Maximum S.I. Rs.45/- Scheme Maximum S.I. Rs. 15/-

Premium charged on peak. Value of birds in each categories

Separate valuation chart for non-scheme, scheme, broiler, layers and hatchery birds.

Valuation table may change.

II Layers

Age Group:

1 day to 20 wks

Premium Per bird (Non-scheme) : 3.20% on peak value

(Scheme): Rs.0.80 net per bird.

21 wks to 72 wks – 3.50%

1 day to 72 wks – 5.50%

Cannabalism, action of predators, theft, clandestine sale, slaughter, consequential loss, permanent or partial disability loss of production, Malnutrition, storage of water starvation under growth ALC hudcling and piling war invation hostilities nuclear weapons Markets, Ranikhet fowl pox & IB

9 wks to 20 wks covered if proper vaccination given coccidiosis vaccination given coccidiosis and other diseases covered if curative measures taken from time to time.

Non – Scheme

Maximum S.I. Rs.75/- per Bird Scheme

Maximum S.I. Rs.25 per bird

 

Indemnity: As per valuation chart

Final liability 80% of value of bird as per valuation chart

Additional 20% of excess of Gumboro disease

Valuation chat will be arrived on the basis of chick cost and feed cost. All birds in farm should be covered

Excess

Broilers:

5% of population of each batch

Layers:

1day to 8 weeks – 5% population of each batch

III Parent stock (Hatchery)

Minimum number Insurance under Bank Finance Scheme – 500 General Broiler 100 per batch Layer 500 per batch Hutchertry 2000 per batch

Age group
1 day to 72 wks
Premium (non-scheme)– 5%

    

3% of population of each batch 21st wks to 72 wks 1% of total population at 21st wks and then every month

Discount:
No Claim Discount no claim after completion of 1 year 15%
No claim after completion of 2 years 20%
No claim after completion of 3 years 25%
b)Good feature discount on inspection from company

Vet. Doctor up to 5% in premium.

B. Duck

(Applicable to all migratory and non migratory birds if bank finance is involved otherwise only non migratory stock insured)

Age group:-

Birds of age of 4 months to 30 months

Premium (Non-scheme) Rs. 1.40per bird for non-migratory and Rs.1.50 per bird for migratory

(Scheme) Rs.1.20 per bird for non-migratory and Rs.1.30 per bird for migratory

Improper management: overcrowding, undergrowth, culling, cannabalism, action of predators, sun stroke, cold stroke haddling, pilling, intentional slaughter, transit by any mode disease contracted prior to or within 15 days of commencement of risks.

Disease viz. Duck virus, Hepatitis, ducks plague, ornithosis, duck influenza covered if properly vaccinated. Disease viz. coil salmonellosis, pasteurellosis, erysipleas antipestifer infection, botulism, etc. should be adopted. War and nuclear perils. Theft, clandestine sale or missing of birds.

Permanent /partial disablement

Maximum S.I. Rs. 45

 

 

Indemnity as per sliding scale

Liability limited to 75% of loss

Excess: 5% of total flock

All birds in a farm should be covered without selection

Minimum 50 birds.

Sliding scale for valuation

AQUACULTURE INSURANCE

SPECIES

EXCLUSIONS

SUM INSURED AND INDEMNITY

SPECIAL FEATURES
  1. BRACKISH WATER PRAWN ISURANCE

AGE GROUP

Policy period PL-20 to harvesting (10 fortnights)

PREMIUM

Basic cover 1.50% optional cover (diseases) Extra upto 3.50%

FRY TO FINGERLINGS

AGE GROUP

3 months

PREMIUM

Basic cover 2.40%

Malicious or willful destruction, negligence error and/or omission infidelity, improper management, natural mortality, undergrowth overcrowding,

production loss, destruction in compliance of govt. order, predators, competitors and/or weed fish, due to chemical status of soil, water climatic change, theft, dacoity, looting, holding

or clandestine sale, soft shell disease, war nuclear weapons etc.

SI on input cost basis Valuation table fortnight wise is built on policy. This is binding both for underwriting as well as claim settlement. Indemnity:

only total loss covered (if residual catch is less than 20%, it is defined as total loss) final indemnity 80% Excess 20%

  

 

B. INLAND FISH As per the exclusions under Brackish water prawn insurance SI on input cost basis valuation table Fortnight wise is built in policy indemnity, total loss and excess as per prawn insurance Basis Cover-Accidents and Diseases (Flood, Storm, Cyclone specifically excluded) extended cover: Including Flood, Storm, Cyclone
FINGERINGS TO FISH

AGE GROUP

12 months

PREMIUM

Extension for flood, storm 2%

Brood stock

AGE GROUP

12 months

      

SILKWORM AND HONEY BEE INSURANCE

Species Exclusion Sum Insured & /Indemnity Special Features
Silkworm Insurance

Mulberry

Cross bred

Period of cover

Egg stage to cocoon stage

Premium 7%

Bivoltine

Period of cover

Egg stage to cocoon stage

Premium

8 %

Multivoltine

Period of cover

Egg stage to cocoon stage

Premium 7 %

Honey bee insurance beehives/bee colony of co-operative societies

Period of cover

12 months

Premium

3 % extra 2% for theft cover

 Malicious/wilful act of insured, his family theft, clandestin sale, missing of the worms, non-supply of suitable quality mulberry leaves, loss due to attack by ants, lizards, rats and the like, loss of crop due to pebrine diseases upto second stage

Loss of production intentional destruction theft and clandestine sale (covered with extra premium) malicious or wilful act, neglect or improper management, nuclear risks, war and allied peril

 SI will be on the basis of input costs (cost of dfls, leaf, labour, chemical etc) Cross bred-Rs. 1600/100 dfls Bivoltin-Rs. 1800/100 dfls Multivoltie: Rs. 1500/100 dfls Indemnity: Covers total loss of crop up to 4th and 5th stage. Liability restricted to 20% of SI upto 3rd state; 75%in 4th stage and in respect of 5th stage 75% in case of cross bred/Multi voltine and 80% in case of Bivoltine. In the cocoon stage the basis of indemnity will be the difference of SI and the amount realised by sale of cocoons.

SI will be a) Cost of hive b) Cost of bee colony as per State KVIC Board

Indemnity: Liability restricted to 80% of claim amount

  

Only disease free (DFLS) purchased from licensed seed supplier's grainages of Government are covered. Policy covers death or destruction of silkworms, due to Fire, Riot, Strike Earthquake, Landslide, Flood, Storm Cyclone, impact damage, Uzifly, Pebrine, Mascardine, Grasserie, Flacherie

Respective boxes to be identified with number/code. Loss to be certified by authorised officer of cooperative

HORTICULTURE, PLANTATION AND FLORICULTURE INSURANCE

Crops Exclusion S.I/Indemnity Special features
Horticulture:

Citrus fruits (orange sweet lime,lime) Chikoo pomegranate banana grape apple

Period of cover

Crop duration or 12 months whichever shorter can be extended up to 18 months on payment of prorata premium

Premium

5% of SI

Sugarcane

Premium

5% of SI

Plantation: Rubber, Eucalyptus, Poplar, Teakwood, Mangium

Premium

1.25% of SI

Oil palm
Premium
1.25% of SI

 Theft, including theft during or after the occurrence of any Insured peril, war, invasion, nuclear weapon earthquake, volcanic eruption or convulsion of nature other than those specifically covered by this insurance, loss due to insect mites, pest and disease, rainwater, deficiency of any nutrient in soil, drought, wilful negligence, human action, birds, animals and locust, fog, high humidity, non bearing of fruits, frost, cold waves, heat waves pollution, improper maintenance, consequential loss, loss or damage due to fertilizers, manures, pesticide losses due to non compliance of standard package of practice, natural mortality, reduction in growth of tree/plant, sugar recovery in case of sugar cane. Sum, Insured is cost of cultivation or input cost i.e. cost of raising/development of insured trees. The policy is for a fixed sum insured, which is given separately under each crop. Depending upon the need of the client. Modified input clause can be incorporated. Indemnity: The policy is a predetermined value policy. For calculating the amount of indemnity sliding scale of input is applied for each type of crop. Franchise: No claim shall be payable if amount of claim assessment does not exceed 10% of SI per acre or Rs. 1000/- per affected acre. Excess: 20% of the claim assessed per acre. Losses due to any excluded perils are quantified and deducted. The policy covers losses due to fire including forest fire and bush fire, lightning, storm, hailstorm, cyclone typhoon tempest hurricane tornado, flood and inundationm riot, strike and act of terroism. Additional optional covers can be made available depending upon the crop.

Floriculture

Roses, orchids, Annual Policy depending on crop and type of culti-ion

Note:

  1. In addition to above, specific policies are available for other varieties of commercial fruit, plantation and floriculture crops.
  2. Input cost comprises of cost of preparation of land, cost of saplings, cost of manures,fertilizers, insecticides, pesticides, as well as other applicable maintenance expenses

AGRICULTURAL PUMPSETS INSURANCE

Property Covered Exclusion Sum Assured and indemnity Special Features
Agricultural Pumpset Insurance
(Centrifugal)
Capacity (HP): 3.0
Premium: 40
Deductible Franchise (In Rs.): 75
(Agricultural Purpose)
Capacity (HP): 5.0
Premium: 45
Deductible Franchise (In Rs.): 75
Electric Motor
Capacity (HP):
7.5,10.0,15.00,17.5,20.0,
25.0
Premium: 65,70,95,95,
110,130
Deductible Franchise (In Rs.): 85,90,115,115,
140,140
Diesel/oil motor
Capacity (HP):5,7.5,10,
15,17.5,20,25
Premium: 55,70,80,100,
110,125,140
Deductible Franchise (In Rs.): 90,105,115,140,
160,175,200
Submersible Pumpsets
Capacity (HP): 3&5,7.5,10,12.5,
15,20,25
Premium:
250,250,275,315,350
,375,565
Deductible Franchise (In Rs.): 250 for each and every claim		 Normal Wear and tear, gradual deterioration due to atmospheric conditions or otherwise, willful negligence faults existing at the time of commencement of risk, losses for which manufacturer is responsible cost of dismantling, transport to workshop and back and also cost of re-erection. Sum Insured is the100% Market Value.

Indemnity: Limit of liability is cost of repair/damage

Maximum liability for rewinding charges as per chart. Deductible franchise as per HP for electric and diesel Pumpsets given in table

15000
18000
22000
25000
28000
30000
45000

Indemnity Rewinding charges as per scale otherwise cost repair will be indemnified

The risks covered are mechanical/electrical breakdown, fire and lightning, theft and burglary (only in permanent enclosure), riot, strike malicious damage, terrorism, Flood cover on payment of extra 2% premium for electric and diesel sets is available. The scheme has provisions for a) No claim discount

b) Long term discount

c)Group discount

For Extention of flood cover 1% extra premium chargeable

Note:

  1. Premium rates for different HP capacities vary
  2. Also sum insured for different capacity HP submersible pumps vary, and the same should be on present day replacement value
  3. In the event of claim, rewinding charges shall be paid according to HP capacity of pump
  4. Liability for total loss in case of submersible pumpsets shall be limited 50% of sum insured
  5. Separate policy is also available for Lift irrigation system

INSURANCE POLICY FOR RURAL ASSETS

Property insured

Scope of cover

Sum Insured and Indemnity

Special feature

Animal Driven Cart
Premium
Rs. 25 + 1% IEV of cart and animals together
Gober Gas Insurance
Premium
Rs. 1.05 per mile
  1. Accidental loss or damage to cart and /or death or permanent disability of animal when pulling the cart
  2. Legal liability to third party and passenger in cart subject to limits
  3. JPA/Gramin Cover to cart driver whilst on duty only

Fire, lightning, explosion/implosion, riot, strike and malicious damage, terrorism, impact by rail/road vehicle or animals, storm, cyclone, typhoon, tempest, hurricane, tornado, flood, inundation. Subsidence and landslide, earthquake

Sum insured is market value of cart and animals together

SI will be the value of the plant (digester + gas holder + cost of construction)

 

Long term and group discount available in the policy

CLAIM PROCEDURE FOR RURAL INSURANCE POLICIES

General

The general claim procedure to be followed in case of death of an insured animal is as under:

  1. Immediate intimation to the insurer.
  2. Duly completed claimform
  3. Death certificate obtained from qualified veterinarian in Company’s form
  4. Post-mortem examination report of required by the Company
  5. Ear tag to be submitted to the company wherever applicable.
  6. Photograph of dead animal wherever necessary.

In case of scheme animals

  1. Duly completed claim form along with ear tag.
  2. Certificate of death from Veterinary Surgeon or a certificate jointly by any two of the following
  1. Sarpanch of the village
  2. President or any officer of Co-operative Society
  3. Official of milk collection centre
  4. DRDA authorised nominee
  5. Supervisor/Inspector/officer of any Banking or Credit
  6. Secretary or Vice President of Panchayat.
  7. Village Revenue Officer/Village Accountant
  8. Head master of a Primary School
  9. Any of the above officials have to declare that they have seen the carcase and ear tag intact in the ear mentioning number thereof.
  1. Post-mortem report, if conducted

Claim Procedure for Permanent Total
Disablement (PTD) Claims for Animals

  1. A Certificate from the qualified veterinarian to be obtained.
  2. The animal should be inspected by Company’s Vet. Officer also
  3. Complete chart of treatment, medicines used, receipts etc. To be provided to the insurer
  4. Admissibility of claim is considered after two months of issue of Vet, Certificate Company Vet. Doctor will inspect and confirm the disability.

Poultry Insurance

In addition to the general claim procedure

  1. In case of epidemic disease outbreak immediate notice within 12 hours to insurer and affected birds to be segregated and produced to insurer’s representative for inspection.
  2. Post-mortem report of sample birds
  3. Daily records of mortality, feeding etc.
  4. Purchase invoices for the birds
  5. Any other proofs to substantiate the loss like photographs, medical bills, etc. as and when required.
  6. Daily mortality details should be sent to the company on weekly basis, failing which report will be treated, as nil for that particular week.

Brackish Water/Inland Fisheries Insurance

  1. Immediate notice within 24 hours of loss
  2. Duly completed claim form
  3. Certificate from F.E.O (Fisheries Extension Officer) of F,F.D.A

    4. (Fisheries Foremen Development Agency) or an officer of equal cadre in State Government Fisheries Department of CIFRI (Central Inland Fisheries Research Institute) or Senior Fisheries Expert of MPEDA (Marine Products Export Development Agency)

Certifying the cause of death together with value of stock at the time of death with details of salvage, if any.

Sericulture Insurance

  1. Immediate intimation of loss of the Company.
  2. Completed claim form
  3. Mortality certificate by Sericulture officer (Tech) not below the rank of Sr. Inspector of the Department of Sericulture giving brief details of cause and extent of loss.

Honeybee Insurance

Mortality certificate to be issued by an authorised Agriculturist.

Agriculture Pumpsets/Lift Irrigation/Gobar Gas/Hut/Animal Driven Cart Insurance

  1. Immediate intimation of loss to the company
  2. A competent Surveyor is appointed by the Company to conduct survey
  3. Police report in case of Burglary
  4. Claim form, final bills and receipts

Package Policy for Tribals/ Gramin Personal Accident Policy

  1. Immediate notice of loss to the Company.
  2. Claim form
  3. Medical certificate and bills in case of Permanent partial/total disablement
  4. In addition, for death claim nominee should submit:
  1. Death certificate from competent authority
  2. Original policy

For clarification of any doubt please contact the nearest office of your Insurance Company.


Services
(Insurance)