IV.

INSURABLE AGE
GUIDELINES ON THE LIVESTOCK MORTALITY Sum Insured and Premium Rate as Sum Insured Premium Rate as
Deductible
Insurable Age Percentage (%) of Sum Insured Deduct- Animal Purpose (PhP) per Head/ % of Sum Insured
INSURANCE PROGRAM Animal Purpose
From To
Remarks Animal/ Age Upon ible % Batch - Poultry (SI)
% of SI
Purpose Acceptance PhP PhP PhP of Sum
PhP 7,000 9,001 - 11,001 - 13,001 - Insured Horse Draft
The Philippine Crop Insurance Corporation (PCIC) provides insurance Cattle and Draft, Dairy,
Breeder, 7 mos. 5 yrs
Animals over 5 years but not over 17 years
old can be accepted for coverage subject to - 9,000 11,000 13,000 15,000
Carabao 70% market value 3 to 6
cover to livestock such as cattle, carabao, horse, swine, goat, sheep, Fattener additional premium up to age 17
Swine TSI shall be 70% of the value of swine at selling/ Breeder
poultry, and game fowls and animals. Horse Draft/Working 1 yr. 5 yrs
Animals over 5 years but not over 17 years
old can be accepted for coverage subject to Fattener slaughter time in the locality but not to exceed Swine 70% market value 4 to 8
additional premium up to age 17 PhP8,000/head. 10-30% of TSI
The premium rate per raising period is: Fattener 70% market value 1.75
45 days 10
I. TYPES OF INSURANCE COVER Goat and Sheep
Breeder 4 mos. 1 yr Renewable annually up to 7 years old
Covered Diseases Typhoon & Flood
Total
1. Non-Commercial Mortality Insurance Cover for cattle, carabao, horse, Fattener 4 mos. 1 yr Until sold whichever comes earlier (Normal Cover) (Rider Perils) Breeder 20,000 12
Goat & Sheep
swine, goat, sheep and poultry. Breeder 6 mos. 2 yrs Can be renewed annually up to 4th year of life 1.50 0.25 1.75 Fattener 1,000 10
2. Commercial Mortality Insurance Cover for cattle, carabao, horse, swine, Swine
Fattener 45 days 6 mos Until sold whichever comes earlier 0.24% for typhoon, 2.5% of TSI
goat, sheep and poultry. TSI shall be 70% of the value of swine at time of
Poultry flood, lightning & fire per event, one
purchase but not to exceed the following:
3. Special Cover for livestock dispersal. Broilers 1 day 8 wks F1 (first generation): PhP 12,500; Chicken Broilers 70% market value loss event
4. Special Cover for game fowls and animals such as fighting cocks and Chicken
Parent Stock: PhP 31,500; and 0.52 % to 1.05% for limited to one
Pullets/Layers 1 day 75 wks Or insurable age could be agreed upon regular disease cover (1) week
race horses. Grand Parent Stock: PhP 52,500
Duck Pullets/Layers 12 wks 65 wks Or insurable age could be agreed upon Breeder 6 mos.
The applicable premium rate is:
10 2.60% for regular 2.5% of TSI
disease and natural per event, one
II. INSURANCE COVER V. ACCEPTANCE AGE; SUM INSURED AND PREMIUM RATE Covered Diseases Typhoon & Flood
Chicken Pullets/ 70% market value calamities (typhoon, loss event to
Total Ducks Layers
These policies cover death due to accidents and/or diseases, and/or a. Non-Commercial (Normal Cover) (Rider Perils) flood, lightning and
fire) cover
72 hours or as
3.0 0.50 3.50 agreed
other covered risks affecting the livestock. Sum Insured and Premium Rate as Percentage (%) of
Sum Insured Notes:
Animal/ Age Upon Goat and PhP 1,000 PhP 2,500 PhP 6,000 1. The above premium rates are subject to change by the PCIC; and
PhP Sheep 2. The sum insured and premium rate for commercial cover of horse will be
III. ELIGIBILITY Purpose Acceptance
The following animals are insurable: PhP 7,000 - PhP 9,001 11,001 - PhP 13,001 - Buck-Breeder 4 mos. 10 10 10 10 to 20 supplied by PCIC.
9,000 - 11,000 13,000 15,000
Doe-Breeder 4 mos. 10 10 N.I. 10 to 20
Insurance
Animal Purpose
No. of Heads/
Remarks
Cattle & 7 mos. -
5 yrs.
5.00 5.50 6.00 6.50 Fattener 4 mos. 10 N.I. N.I. 10 to 20
VI. COVERED RISKS
Cover Birds per Farmer Carabao
Draft, Insurance
6 yrs. 5.25 5.75 6.25 6.75 Chicken Animal Covered Risks
Cattle and Draft, Dairy, Dairy, Cover
2 to 10 Max total sum 7 yrs. 5.50 6.00 6.50 7.00 Broilers 1 day TSI shall be 70% of the prevailing market value
Carabao Breeder, Fattener Breeder, 1. Diseases like Liver Fluke, Verminous, Bronchitis, all
insured of less in the locality.
Non- Horse Draft/Working 2 to 10 Fattener 8 yrs. 5.75 6.25 6.75 7.25 Premium rate is 0.76% to 1.29% depending other parasitic diseases, Leptospirosis, Swine Enzootic
than Pneumonia, Colibacillosis, Streptococcosis, Tetanus,
Commercial on the number of days per rearing or growing
PhP 110,000 9 yrs. 6.00 6.50 7.00 7.50 Aflatoxicosis, Cancerous Diseases, Footrot, Rabies,
Mortality Goat and Sheep Breeder, Fattener 10 to 25 period.
or PhP 15,000 Poisoning, Heat Stroke, Heart Attack and all other diseases
Insurance 10 yrs. 6.25 6.75 7.25 N.I. except those appearing in the exclusions in the policy;
Breeder 2 to 10 or less per Layers TSI shall be 70% of the prevailing market value
Swine Cattle,
head 11 yrs. 6.50 7.00 N.I. N.I. 1 day in the locality. Carabao, 2. Accidental drowning, strangulation, snakebites and other
Fattener 7 to 20 Premium rate is 2.60% per annum. Non-Commercial Horse, events of accidental nature except those caused by
12 yrs. 6.75 N.I. N.I. N.I. Swine, Goat vehicular accidents;
Cattle and Draft, Dairy, 11 and > (or Notes: For cattle, carabao, and horse: and Sheep
Carabao Breeder, Fattener at least one (1) 6.75 plus additional a. Above premium rates are applicable for the first/initial coverage; 3. Fire and/or lightning;
animal involving
13-17 yrs.
premium loading
depending on pre- N.I. N.I. N.I.
b. For continued annual renewal of the policy (including those renewed
coverage of at least coverage evaluation/ within 30 days from date of expiry, up to the age of 12 years), the 4. Dog bites (for goat and sheep only); and
PhP15,001) inspecton
assured shall be entitled to the premium rate similar to that of the first/ 5. Accidents arising from the transport of animals to and from
Horse Draft/Working 11 (minimum) Horse PhP PhP PhP initial coverage, based on the age the animal was first insured; and the farm and place of treatment.
PhP c. However, if the renewal of the policy was beyond 30 days after
A minimum Draft/ 9,001 - 11,001 - 13,001 -
Commercial Goat and Sheep Breeder, Fattener 26 (minimum)
Working
9,000 or less
11,000 13,000 15,000 expiry of the policy, the premium rate to be applied shall be based Poultry Diseases, typhoon, flood, lightning and fire.
total sum on the age of the animal upon acceptance of the latest application.
Mortality 1. All diseases covered in Non-Commercial Cover;
Breeder 11 (minimum) insured of
Insurance Swine 1 yr.-5yr. 5.00 5.50 6.00 6.50 The coverage will then be treated as if accepted for the first time. Cattle,
PhP110,000 2. All accidents covered in Non-Commercial Cover except for
Fattener 21 (minimum) Carabao,
6 yrs. 5.25 5.75 6.25 6.75 Horse, fire and lightning; and
Poultry
7 yrs. 5.50 6.00 6.50 7.00 b. Commercial Cover Commercial Swine, Goat
and Sheep 3. Accidents arising from the transport of animals to and from
Chicken Broilers 5,000 (minimum) Sum Insured Premium Rate as the farm and place of treatment.
8 yrs. 5.75 6.25 6.75 7.25 Deductible
Pullets/Layers 1,000 (minimum) Animal Purpose (PhP) per Head/ % of Sum Insured Poultry Diseases, typhoon, flood, lightning and fire.
9 yrs. 6.00 6.50 7.00 N.I. % of SI
Batch - Poultry (SI)
Duck Pullets/Layers 1,000 (minimum) Livestock
10 yrs. 6.25 6.75 N.I. N.I. Same risks under Non-Commercial Cover
10,000 to 15,000 5 to 7 Dispersal
11 yrs. 6.50 N.I. N.I. N.I. Special Cover
15,001 to 20,000 6 to 8 Game fowls Same risks under Commercial Cover
12 yrs. 6.75 N.I. N.I. N.I. Draft, Dairy, and animals
Cattle & 20,001 to 25,000 7 to 9 10 to 30% of
Breeder,
6.75 plus additional Carabao
Fattener
TSI Notes:
premium loading 25,001 to 30,000 8 to 10
13-17 yrs. depending on pre- N.I. N.I. N.I. 1. Please see Section VIII for conditions for extended coverage; and
coverage evaluation/
inspecton
30,001 to 50,000
Above 10% or as 2. The parameters for special cover shall be defined/supplied by the PCIC
agreed Regional Office(s) (ROs).
VII. EXCLUDED RISKS policy no., livestock insured, cause of death, and date of the occurrence of death.
1. Destruction of the animals by administrative order of the government;
2. Unskillful treatment by the animal raiser, his agent and employees, overloading,
improper use, willful or malicious injury;
5. For transport risk - the transport insurance cover is optional and can only be
provided as an addition to the basic cover and limited only to inland transport
at a rate of 0.75% to 1.50%, depending on physical distance, time and road
For purposes of reckoning the ten-day period, the official date of filing shall be:
a. Date of mailing postmarked on the envelope;
b. Date of transmission, if sent by telegram, fax or e-mail; or
LIVESTOCK INSURANCE
GUIDELINES
3. Emergency slaughter/Government Slaughter Order; conditions, excluding risks associated with hijacking and theft; c. Date of receipt by the PCIC RO, if by personal delivery.
4. Pillage, strike, or other labor disputes, war, rebellion, insurrection and radioactive 6. The following are additional conditions for extended coverage for poultry (please
contamination; see other applicable conditions above): 2. Within THIRTY (30) calendar days from the death of the insured animal, the
5. Disease/s or injuries already existing at the commencement of insurance or developing a. Catastrophic losses arising from death of birds, pullets, or layers due to assured shall submit to the PCIC RO or PEO the following documents:
during the waiting period; accidents and/or diseases at all times, including epidemics, can be covered, a. Claim for Indemnity/Loss Report - this serves as the formal claim, if duly
6. Disappearance, theft, robbery, confiscation by order of the government; provided that proper vaccination program has been carried out and a signed and accomplished by the assured;
7. Earthquake, convulsions of nature, volcanic eruption, inundation, immolation and Veterinary Certificate about such vaccination has been submitted. b. Veterinary Disease Report- duly accomplished and signed by the authorized
atmospheric disturbance such as typhoon, hurricane, tornado & cyclone; b. Losses due to epidemic diseases such as Avian Diptheria, Avian Malaria, veterinarian or LGU Livestock Inspector/Technician;
8. Losses occurring prior to and after the effectivity period of insurance coverage; Avian Leucosis Complex, Avian Infectious Bronchitis, Coccidiosis, c. Original Copy of the Certificate of Ownership/Transfer of Large Cattle or
9. Losses due to mismanagement; Escherichia Coli, Infectious Coryza, Infectios Bursal Disease, Marek’s Certified machine copy of Memorandum Receipt for government dispersed
10. Losses due to vehicular accidents; Disease, Newcasttle Disease (NCD) and Tuberculosis can be covered, animals;
11. Fire, lightning, typhoon and flood under Commercial Cover; and provided the insured broilers, pullets, layers are properly inoculated and d. Livestock Death Certificate;
12. Other excluded risks: vaccinated at proper times and all necessary preventive measures taken e. Necropsy/Laboratory reports, if performed;
f. Photographs of the dead animal/s showing clearly the identifying marks
into consideration. (eartags, earnotch, brand or tattoo); and
Animal Other Excluded Risks
7. Losses due to fire, lightning, typhoon and flood under commercial cover g. Other documents as may be required by the PCIC such as affidavit of two
Cattle & Anaplasmosis, Anthrax, Babesiosis, Blackleg, Hemorrhagic Septicemia, Hoof of cattle, carabao and horse are excluded in the basic cover but can be disinterested parties.
Carabao and Mouth Disease, Johne’s Disease, Rinderpest, Leucosis, and Tuberculosis covered under special arrangement subject to additional premium loading.
For poultry, the following shall be submitted to the PCIC RO or PEO:
African Horse Sickness, Infectious Anemia, Racing and/or Participation in a. Weekly Loss Report;
Horse Additional Premium per
Tournaments/Sports and Scab b. Veterinary Report accomplished by his duly authorized veterinarian;
Animal Allied Peril allied peril as % of Sum
c. Farm Management Chart or Daily Mortality Chart;
Dysentery, Erysipelas, Hog Cholera, Hoof and Mouth Disease, Swine Plague, Insured
d. Photographs of dead birds; and
Swine Porcine Epidemic Diarrhea Virus (PEDv) and Salmonellosis, African Swine Fire and Lightning 0.25 e. Pertinent proof of proceeds.
Fever (ASF) Cattle & Carabao
Typhoon and Flood 0.50
Poultry Avian or Bird Flu, Mycoplasma spp. Infection, and Salmonella
Typhoon and Flood (Fatteners) 0.25
XIII. PERCENTAGE LOSS ASSESSMENT
VIII. CONDITIONS FOR EXTENDED COVERAGE Typhoon and Flood (Breeders) 0.50 per year Insurance Animal- Percentage (%) Loss Assessment/
Swine
Additional risks and diseases excluded in the basic cover can be covered as extended cover
Fire and Lightning (For Fatteners) 0.25 Cover Purpose Remarks
subject to the following conditions:
Cattle,
“Sa Paglaban sa Kahirapan at Gutom,
1. All animals subject for coverage shall be personally inspected by the PCIC Regional Fire and Lightning (for Breeders) 0.50

Office (RO) personnel; Carabao,

Chicken/Broilers Typhoon, flood, lightning and fire 0.24 per growing period
Swine -
2. All susceptible animals subject for coverage shall be vaccinated against epidemic
diseases and a Veterinary Certificate to that effect shall be submitted to the PCIC RO; IX. WAITING PERIOD Breeder,
100% of Sum Insured at the time of loss less
applicable deductible and salvage value
Crop Insurance, Katulong sa Pagbangon.”
3. All losses caused by any epidemic disease, if covered, shall be indemnified at a The waiting period is the time elapsed between effectivity of the coverage and the time Goat and
maximum of sixty percent (60%) of the sum insured; and of occurrence of the disease within which no insurance compensation shall be paid. The Sheep -
waiting period shall not apply to losses due to accidents and for renewed policies. In Non-
4. There shall be an additional premium loading per disease as shown below: Breeder
general, the waiting period is TWENTY ONE (21) calendar days except for the following Commercial DEPARTMENT OF AGRICULTURE
diseases which is THREE (3) months: 100% of the value of animal at the time of loss,
Swine -
Animal Type of Disease
Additional Premium per Disease
as % of Sum Insured
Animal Diseases
Fattener
based on the table of assessment less applicable
deductible and salvage value
PHILIPPINE
Anaplasmosis 0.25
Cattle,Carabao, Goat
Goat and
Sheep -
90% of the value of the animal at the time of loss, CROP INSURANCE
Leucosis, Liverfluke, Rickets and Verminous Bronchitis
less applicable deductible and salvage value
CORPORATION
Anthrax 0.25 and Sheep
Babesiosis 0.25
Fattener
Swine Brucellosis, Leucosis, Rickets and Tuberculosis Cattle,
Blackleg 0.25
Carabao, Maximum of 100% of Sum Insured at the time of
Contagious Bovine Pleuro-pneumonia 0.25
Cattle & Carabao Horse Equine Encephalomyelitis, Hydrocephalus Tuberculosis and Rickets Swine, Goat loss less applicable deductible and salvage value
Johnne’s Disease 0.25
Hemorrhagic Septicemia 0.25 X. APPLICATION PROCEDURE and Sheep Philippine Crop Insurance Corporation
80% of actual cash value of the insured animal at
Hoof and Mouth Disease 0.25 The insurance client shall:
Horse the time of loss but not to exceed 80% of the Sum HEAD OFFICE
1. Submit filled-out application form for PCIC Livestock Mortality Insurance; Commercial 7/F Building A, NIA Complex, EDSA,
Rinderpest 0.25 Insured less deductible and salvage value
2. Submit Veterinary Health Certificate as to the health of the animal, if required; and
Tubercolosis 0.25 3. Pay the corresponding premium and other charges (e.g., premium tax, cost of Indemnity shall be based on the remaining loss Diliman, Quezon City
documentary stamps, etc.). Poultry Phone: (02) 441-1324
African Swine Fever 0.50 after deductible of the policy deductible
Erysipelas 0.25 Deductible shall be reckoned on a per farm per Fax: (02) 361-8983
XI. ISSUANCE OF POLICY Email Address: rmg@pcic.gov.ph
Hog Cholera (Fattener/Breeder) 0.50 For insurance business solicited/underwritten by the Insurance Underwriter (IU), Official All animals event basis on varying percentages depending on
Swine Hoof and Mouth Disease 0.25 Receipt (OR) shall be issued to the client by the IU upon receipt of insurance premium type of animal and cause/nature of loss
Salmonellosis 0.25 and other charges. Copy of Insurance Policy/Contract shall be immediately released by
the PCIC RO to the client upon remittance of the premium and other charges by the IU XIV. PAYMENT OF CLAIM
Swine Plague 0.25 to the PCIC RO Cashier. The claim shall be settled expeditiously not later than forty-five (45) calendar days from
Porcine Epidemic Diarrhea Virus (PEDv) 0.50 receipt of complete claim documents.
Visit us at:
Poultry XII. CLAIM FOR INDEMNITY PROCEDURE http://pcic.gov.ph
Avian Flu 0.50
1. In case of death of the insured animal, the assured shall immediately send a pro- XV. FINALITY OF PCIC DECISION ON CLAIMS
forma Notice of Loss (NL) to the PCIC RO or PEO within TEN (10) calendar days from Unless proven otherwise, PCIC decision on claim settlement is final and unappealable
the death of the insured animal. The NL can be in the form of telegram, fax, e-mail or sixty (60) calendar days after the release of indemnity payment or transmittal of the REVISED APRIL 2019
any other form of written statement containing the name of the assured, address, notice of disapproval.