‘Poultry' refers to poultry units consisting of chicks/ hens/ cocks /ducks,Turkeys, Quails and such other domesticated birds' reared for eggs and/or
meat.
It includes (a) layer birds (b) Broilers (c) Hatchery birds (Breeding Stock).
For the insurance purpose, Exotic bird means that whose parents are of
foreign breed either born in the country or abroad. A crossbred bird means
one, of whose parents, is of foreign breed.
II. Applicability:
(a) All birds in the farm should be covered.
(b) The Scheme is applicable to Poultry farms which consist of minimum
number of (i) Layer birds (ii) Broilers per batch iii) Breeding birds in
Hatchery
III. Age:
Layer birds - 1 day old to 72 weeks
Broilers - 1 day old to 8 weeks
Hatchery Birds - 1 day old to 72 weeks
IV. Premium rates:
Rates shall be fixed per bird for each of the following groups according to
each market’s conditions, mortality experience and facility of prompt
veterinary services:
(i) Layer birds
1 day old to 20 weeks
20 weeks to 72 weeks
(ii) Broilers
1 day old to 8 weeks per batch or per annum
(iii) Hatchery
1 day old to 72 weeks
(Extra premium to be charged for every additional increase than the
maximum value fixed for the bird.)
V. Sum Insured per bird:
The market value of birds varies from breed to breed, from area to area and
from time to time. Guideline valuation chart should be mapped out to be
approved and attached for fixing the maximum sum insured per bird and to
be the base of settling claims afterwards either for the Layers, for the
Broilers or for the Hatchery Birds.
VI. Insurance Coverage:
The policy shall provide indemnity against death of birds due to accident
(including Fire, Lightning, Flood, Cyclone, Famine, Strike and Riot) or diseases contracted or occurring during the period of insurance, subject to
the following exclusions:
(1) Malicious/ wilful 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 on
the basis of certificate issued by qualified veterinary surgeon or in cases
where destruction is resorted to by order of lawfully constituted
authority.
(7) Consequential loss however caused.
(8) Permanent and partial disablement of any nature.
(9) Loss of production
(10) Loss due to:
(a) Fowl Pox, Infectious Bronchitis and other specifically named
diseases. These diseases are covered by the policy only if the birds
are successfully inoculated against these diseases, if preventive and
curative measures are taken from time to time, and if the necessary
veterinary certificates to that effect are supplied to the Company.
(b) Malnutrition
(c) Undergrowth
(d) Cannibalism
(e) Loss due to huddling and/or piling of birds.
(f) Avian leucosis complex (A.L.C.)
(11) Salmonellas covered subject to submission of clean certificate from
competent Authorities immediately after testing.
(12) War, invasion, act of foreign enemy, hostilities (whether war be declared
or not), civil war, rebellion, revolution, insurrection mutiny, tumult,
military or usurped power or any consequences thereof or attempt
thereat.
(13) Any accident, loss, destruction, damage or, legal liability directly or
indirectly caused by or contributed to by or arising from nuclear
weapons.
VII. Veterinary Examination:
(a) A Veterinary Certificate from a qualified Veterinarian showing the
following details is necessary for acceptance of risk:
(1) Type of Birds
(2) Age of Birds (3) Details regarding housing, light, ventilation, temperature,
insulation, floor, feeds, water, sanitation etc.
(4) Vaccination and inoculation particulars.
(5) Debeaking
(6) Condition of health
(7) Type and source of feed
(8) Details of equipments
(9) Details of management/staff
(10) Veterinary assistance
(11) Mortality rate with reasons for last 2 or 3 years
(b) The Insurer reserves the right to maintain his own check and depute.
VIII. Identification:
(1) All the birds would be covered on flock basis. No identification is
necessary.
(2) Insured must maintain at their own cost lot-wise records to show
inter alia (a) Mortality (b) Culling (c) Feed consumption (d) Incidence of
diseases (e) Vaccination and medication (f) Purchases and sales (g)
Daily Stock Register.
IX. Important Policy conditions:
(1) The Poultry farm should have veterinary facility.
(2) The cages if used must be maintained properly.
(3) Proper house keeping.
(4) In event of outbreak all healthy birds should be segregated and all
precautions should be taken to arrest the spreading of the disease,
under advice to the Insurance Company immediately.
(5) Proper balanced standard feed and clean water should be supplied to
birds.
(6) Proper flock record should be maintained on day to day basis.
(7) Transfer of interest/ ownership is not allowed.
(8) In case of death/ outbreak of epidemic immediate notice within twelve
hours should 'be given to Company. All birds 'should be segregated and
produced to the representative of the Company or to any person
authorised by the Company.
(9) Debeaking and Deworming should be carried out regularly and record
to that effect should be maintained.
X. Blanket Policies:
Blanket policies would be issued, subject to weekly declaration in favour of
clients who maintain regular records of each unit/ lot by which group of
birds could be identified and in which all illness suffered, treatment provided and vaccinations carried out are recorded in the normal course of
business. Additional premium at an agreed rate will be charged on pro-rata
basis on receipt of declarations for the new stock, subject to Veterinarian's
Certificate.
X I. Procedure for claims settlement:
(a) Admissibility of the claim:
Claim under the policy would be admissible only if the mortality in the
Flock exceeds the limits given below: (for example)
Weeks Mortality
Broilers: 1 day old to 8 weeks 5% of the population in each lot
Layers: 1day old to 8 weeks 5% of the population in each lot
9 weeks to 72 weeks 3% of the population in each lot
Compensation towards loss of the birds will be made only for death of
birds exceeding the mortality percentage given above.
(b) Liability of the Company:
The Insured will be indemnified for 100% of the value of the bird at the
time of death as per the valuation table given as guidelines.
XII. Claim procedure:
In the event of death of birds immediate intimation should be given to the
Company and the Insurer should be supplied with following documents
and required information:
(1) Duly completed claim form
(2) Death Certificate from a Veterinarian.
(3) Post mortem report if required by the Company.
XIII. Salvage:
No salvage will be deducted from claim.
XIV. Housing and Equipments:
A separate fire policy may be considered to grant cover for housing and
equipments.
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