Livestock Insurance Scheme:

The rearing of livestock is a fragile occupation often besought by several

problems beyond human control leading to loss of production and sometimes
valuable animals. In addition to this the sector has become investment heavy with
the average cost of animals increasing day by day. Any losses as a result of
morbidity & mortality to livestock are not small and involve phenomenal amounts.
It therefore becomes all the more necessary to provide some form of risk cover to
the rural livestock owners thereby directly protecting their livelihoods and
livestock based enterprise. Provision of risk cover for the unorganized livestock
sector in the state is still a distant probability. Whatever risk cover is being
extended is by the government owned public sector insurance companies and that
too is an obligatory gesture to fulfill the needs of the on going government backed
livestock schemes. Rarely it is seen that risk cover has been provided at
commercial rates and that too only for the organized livestock enterprises.
All this has been envisaged by the Government of India under its Common
Minimum Program (CMP) and forms one of the pivotal thrust areas. The
Government of India has hence invited proposals from state governments for
taking up a pilot project in 100 districts of the country. In Uttarakhand two
districts Dehradun and Nainital have been selected by the Government of India for
the rest of 11 fifth year plan.
Government of India has sanctioned the project & provided fund to
Uttarakhand Livestock Development Board for implementing Livestock Insurance
Scheme in Dehradun & Nainital of Uttarakhand on pilot basis.
Previously the scheme was implemented in Haridwar & Udham Singh
Nagar districts of Uttarakhand.
Highlights of the Livestock Insurance Scheme:
Insurance of Animals: A Maximum of 2 Milch Cow & Buffalo having the
production of > 1500 ltrs. milk per lactation will be insured on their market price
basis. The age group of the animals to be insured will be as follows:
1- Cow 2 Years (age at 1st lactation) to 10 Years of Age
2- Buffalo 2 Years (age at 1st lactation) to 12 Years of Age
At any time during the insurance coverage the animals should not exceed
the maximum age limit.
Insurance Coverage: The animals will be insured for the duration of 1 & 3
Years.
Insurance Premium: The beneficiary will share 50% cost of premium.

Identification of Animals: The insured animals will be identified by Poly

Urethane Laser Printed Ear Tags.
Honorarium to the Veterinary Officer: The board will provide
honorarium to the concerned Veterinary Officer of the Dept. of Animal Husbandry
on following services rendered by them:
For Insurance of Animals: Rs. 50/- per animal.
For Claims: Rs. 100/- per animal.