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Register your Cattle Insurance Claim
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FAQ's
What is cattle insurance, and why do I need it?
Cattle insurance is a specialised policy that is designed to protect farmers and livestock owners from financial losses due to the death or permanent disability of their insured animals. It covers risks such as accidents, diseases, natural calamities, and other unforeseen events.
Which animals are covered under cattle insurance?
Cattle insurance typically covers a wide range of livestock, including cows, bulls, bullocks, buffaloes, calves, heifers, sheep, and goats. Each policy may have specific eligibility criteria based on the age, health condition, and purpose of the animal (dairy production, breeding, etc.).
What are the key benefits of purchasing cattle insurance?
Cattle insurance offers comprehensive protection against multiple risks, including death due to accidents, diseases, natural calamities (earthquakes, floods, storms), fire, lightning, riots, strikes, and surgical operations. It provides financial security for farmers, ensuring they receive compensation for their loss.
Are there any age restrictions for insuring cattle?
Yes, most cattle insurance policies have age restrictions. Generally, cattle between 1 year and 10 years of age are eligible for insurance coverage. However, specific age limits may vary depending on the insurer and the type of animal being insured.
What risks are typically excluded from cattle insurance coverage?
Major exclusions include intentional injuries or neglect, unskillful treatment without company consent, pre-existing conditions or diseases, death within 15 days from specific diseases, partial disability, transportation by air or sea, death due to ionising radiation, theft, and consequential losses.
What types of cattle insurance policies are available?
Cattle insurance policies are available for individual animals or entire herds. Coverage options include death coverage, comprehensive plans covering death and permanent total disability (PTD), and specialised policies for specific types of livestock such as milch animals, draught animals, breeding bulls, or young stock.
How can I choose the right cattle insurance policy for my needs?
To choose the right policy, assess the size and composition of your herd, the breed and value of your cattle, and the specific risks prevalent in your area. Consider factors such as the purpose of your livestock (dairy, breeding, or draught), local disease prevalence, weather-related risks, and your farm management practices.
What factors affect the premium of a cattle insurance policy?
The premium is influenced by several factors, including the type and breed of cattle, their age and current health condition, the total insured value, the level and extent of coverage chosen (death and/or permanent total disability), your geographical location and associated risks, your claim history, and the farm management practices you follow.
Can I customise my cattle insurance policy to suit my specific needs?
Yes, most insurers offer customisable cattle insurance policies that allow you to tailor coverage to your specific requirements. You can choose to insure individual high-value animals or opt for group/herd coverage. Additional coverage options include permanent total disability, surgical expenses, in-calf animals, and coverage for specific risks.
What is the duration of a cattle insurance policy?
Cattle insurance policies are typically issued for a duration of one year. However, some insurers may offer flexible policy terms ranging from one to three years based on your requirements. Multi-year policies may be available at discounted rates.
How do I file a claim under my cattle insurance policy?
To file a claim, notify your insurer immediately within 24-48 hours of the incident. You can register your claim through multiple channels—the insurer's website, mobile app, chatbot, or by calling customer care executives.
What documentation is required to support a cattle insurance claim?
To support your claim, submit a completed claim form, cattle ID tags, PAN/KYC documents, and a cancelled cheque. You'll also need the animal’s death certificate, post-mortem report, and photos showing the tag number as well. For disease deaths, include treatment papers. For accidents, provide FIR and police reports.
What is the cattle insurance claim settlement process?
First, notify your insurer immediately through the website, app, or customer care. Obtain a death or disability certificate from a certified veterinary doctor. Submit your claim form with all required documents. An insurer representative will conduct an on-site verification. If genuine, your claim will be settled as per policy terms.
What should I do after an incident involving my insured cattle?
Notify your insurer immediately via website, app, or customer care. Do not dispose of the carcass without permission. Get a death certificate and post-mortem report from a veterinary doctor. Take several photos showing the ID tag. For vehicle accidents, file an FIR. Preserve all treatment records and evidence.
How long does it take to settle a cattle insurance claim?
Settlement timelines vary based on case complexity and documentation. Once documents are submitted and on-site validation is done, genuine claims are settled as per policy terms. Incomplete documentation may cause delays. Providing accurate, complete documents upfront expedites the process.
When should I renew my cattle insurance policy?
You should renew your cattle insurance policy before it expires to ensure continuous protection for your livestock. Most insurers send renewal reminders 15-30 days before the policy expiration date. It's advisable to initiate the renewal process at least 7-10 days before expiry to avoid any gap in coverage.
Can I modify my coverage when renewing my cattle insurance policy?
Yes, policy renewal is an ideal time to review and modify your coverage. You can add or remove animals from your policy, increase or decrease the sum insured based on current market values.
Will my premium increase at the time of renewal?
Premium adjustments at renewal depend on several factors, including your claim history during the previous policy period, changes in the insured value of your cattle, modifications to coverage or sum insured, changes in the age or health status of your animals, and prevailing market rates and insurer guidelines.
What happens if I don't renew my cattle insurance policy on time?
If you fail to renew your policy before it expires, there will be a gap in coverage during which any incident will not be covered. Renewing after expiry may be treated as a fresh policy, requiring new health certificates, veterinary inspections, and potentially losing accumulated benefits such as no-claim bonuses.
How can I renew my cattle insurance policy?
You can renew your cattle insurance policy through multiple convenient channels—online through the insurer's website or mobile app, by contacting customer care executives directly, through your insurance agent or broker, or by visiting the nearest branch office.
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, Bajaj General 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 General 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.
With GST waiver, individual and family floater policies for health, personal accident, and travel insurance (on retail basis) are 18% cheaper from 22 September 2025. Secure what matters at an affordable price!
