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Poultry Insurance in India

Poultry Insurance By Royal Sundaram Alliance Insurance.

ROYAL SUNDARAM ALLIANCE INSURANCE COMPANY provide insurance, if any bird described in the schedule and belong to the insured shall die from any diseases or accident (including fire lightning, Flood, cyclone, strike, riot, and civil commotion), contracted or occurring during the period of insurance stated herein, the company will indemnify the insured to the extent as per the table of indemnification (providing age wise valuation for the purpose of indemnity) applicable subject to the excess mentioned below and subject to salvage provisions and exclusions of the policy.

Excess:
The claim will be admissible only if the mortality exceeds beyond the limits given below:

  Weeks Mortality
Broiler Broiler 1 day to 8 weeks 5% of the population in each batch
Layer 1 day to 8 weeks
9 weeks to 20 weeks
21 weeks to 72 weeks
5% of the population in each batch
3% of the population in each batch
1% of the population every month

Compensation towards loss of the birds will be made only for death of birds in excess of the mortality given above.
Exclusions:
The Company shall not be liable in respect of:
1. Malicious / willful injury / neglect.
2. Transit by any mode of transport.
3. Improper management (including overcrowding).
4. Undergrowth, cannibalism, action of predators like preying birds and carnivorous animals.
5. Theft and clandestine sale of birds.
6. Intentional slaughter of the birds except in cases where destruction is necessary to terminate incurable suffering on humane consideration and to protect remaining 2 healthy flock to reduce additional losses, on the basis of certificate issued by qualified veterinary surgeon or in cases where destruction is resorted to by order of lawfully constituted authority, under intimation to insurance company.
7. Consequential loss however caused.
8. Permanent and partial disablement of any nature.
9. Loss of production.
10. Loss due to:
a) Marek’s disease, Ranikhet disease, Fowl pox and infectious Bronchitis.
These diseases are covered by the policy, if birds are successfully inoculated against the disease and the necessary Veterinary Certificate to the effect is supplied to the Company.
Coccidiosis and other infectious diseases are covered only if necessary preventive and curative measures are taken from time to time. The farm should be closed for 2 months if epidemic disease occur.
b) Malnutrition, death due to shortage of water, starvation, death because of non-supply of feed to farm due to any reason whatsoever. c) Culling, undergrowth, cannibalism. d) Huddling and/or piling of birds. e) Avian leucosis complex (A.L.C)
11. Any accident, loss destruction, damage or legal liability directly caused by or contributed to by or arising from nuclear weapons.
12. War, invasion, act of foreign enemy, hostilities (whether war be declared or not) War, Rebellion, Revolution, Insurrection, Mutiny, Tumult, Military or usurped power or any consequences thereof or attempt threat.
13. Transfer of interest/ ownership.

Conditions:
1. The insured must maintain at their own cost batch wise records in respect of:
a) Flock Record on day to day basis
b) Mortality
c) Culling
d) Vaccination and medication particulars
e) Feed consumption
f) Production
g) Debeaking
h) Incidence of disease
i) Purchase and Sales

Source: https://www.irda.gov.in/