LIVESTOCK INSURANCE PRODUCT DETAILS & T&CS

SERVICES

Livestock Insurance stands as a safeguard for farmers, offering crucial financial security in instances of livestock loss or theft. This specialized insurance plan caters to the rural population whose livelihoods hinge on the income generated from their livestock.

PACKAGES

Agri Bundle

BUNDLE SERVICES INCLUDES

• Vet Service: Certified veterinary doctors available for unlimited audio consultations
• Agri Service: Agri available for unlimited audio and video consultations
• Crop Insurance: Crop insurance cover of PKR 40,000 for daily benefit

ELIGIBILITY & ENROLMENT

Eligibility to be verified by contacting us either via a phone call on 9362 or through WhatsApp message (03119271928).

Applicants are eligible to apply for a Livestock Insurance Plan under the policy if applicants meet all the criteria set out below:

• All Eligible Applicants shall be natural persons.
• Corporations, partnerships, and businesses shall not be eligible for coverage under the policy.
• All eligible livestock are healthier and lower than their average last 2 years of age.

If the applicant wishes to apply for and subscribe to a plan under this Insurance Policy, the applicant will be required during the registration process to:

• Acknowledge that the applicant has read and understood the terms of the policy.
• Acknowledge that the applicant has read and understood the terms of the policy.

• The Insurance Benefits payable are subject to the applicant’s confirmations being true and correct; and if the applicant’s confirmation is untrue or incorrect, no Insurance Benefits will be payable, and the end-user price the subscriber paid will not be refunded.

EXCLUSIONS

Payment of claims is subject to exclusions, as outlined below. Livestock shall NOT cover;

• Any pre-existing health conditions.
• Deaths in war, strikes, riots, civil commotion and any natural or man-made perils (including chemical, nuclear, biological, and radiological)
• Deaths in war, strikes, riots, civil commotion and any natural or man-made perils (including chemical, nuclear, biological, and radiological)
• If the pictures are not matched.
• Any other reason for which insurance company believes that the claim should not be paid.
• Livestock which is part of fighting or race, or any other similar events participants are not covered and excluded from policy.

INTENTIONAL FALSE STATEMENTS OF THE INSURED

In the event of any concealment or misrepresentation the policy shall become null and void with respect to the relevant insured.

CLAIMS

Lodged through phone call on 9362 or WhatsApp message (03119271928)

End-to-end support and handholding to claimant

Claim will be settled on Pro Rata basis.

Animal Death certificate is required.

Police report in case of stealth.

NOTICE OF CLAIMS

The company shall be notified of the occurrence of the Insured Claim as soon as possible, but not later than 30 (thirty days) from the date of demise, which shall be treated as time-barred, and the company shall not be bound to pay the claim.

For each claim reported, the company shall obtain:

FROM THE CLAIMANT:

• Pictures at time of demise
• Letter from the vet doctor to confirm the reason of demise
• CNIC Both Sides
• Service Number

If there is a dispute, suspected fraudulent activity on the claim or a unique situation which requires further clarification, the payment period can be extended but shall not exceed ten (10) working days, or as long as the dispute takes to resolve in the legal system.

TERMINATION OF INDIVIDUAL INSURANCE

The insurance of an Insured shall automatically terminate at the earliest time below:

• Upon payment of the claim
• Upon cancellation or withdrawal of subscription

CLAIM DISBURSEMENT

Claim amount will be transfer in the customer`s bank or Wallet Account.

DEACTIVATION

Dial 9362 for deactivation.

SERVICE TIMINGS

9am to 9 pm