The Pandit Deen Dayal Upadhyay Samoohik Pashudhan Beema Yojana by the Haryana Livestock Development Board, Department of Animal Husbandry and Dairying, Government of Haryana aims to provide socio-economic security to livestock farmers by insuring their animals against losses due to death. The scheme offers subsidized premiums for livestock owners, especially targeting Below Poverty Line (BPL), Scheduled Caste (SC) beneficiaries, and other vulnerable groups. Financial protection is extended to cover up to five large animals or their equivalent in small animals per household, with claims settled via direct bank transfers.
Benefits
• Financial Protection: Coverage against livestock loss based on market value and milk yield.
• Coverage Limit: Up to five large animals or equivalent small animals per household.
• Subsidized Premiums:
• APL beneficiaries: Pay ₹100/200/300 per large animal per year (depending on milk yield) or ₹25/- per small animal.
• BPL beneficiaries: Receive additional subsidies.
• SC beneficiaries: Entire premium is covered by the state and central governments.
• Claim Process:
• Accidental death claims are settled immediately.
• Non-accidental death claims are processed after a 21-day waiting period.
• Claims are settled within 15 days of document submission; delays incur 12% compound interest per annum.
Eligibility
• The applicant must be a livestock owner.
• The applicant must be above 18 years of age.
• The applicant must possess a valid Parivar Pehchan Patra (PPP) issued by the state of Haryana.
• Priority: Special preference is given to Scheduled Caste and BPL beneficiaries; SC beneficiaries are exempt from paying premiums.
Exclusion: Livestock owners without a valid PPP or without proper ear-tagging/documentation are ineligible.
Application Process
Online Registration and Application
• Step 1: Visit the official Antyodaya-SARAL Portal: https://saralharyana.gov.in/
• Step 2: If not registered, click “New User” under ‘Sign In Here’ and fill in Name, Email ID, Mobile Number, Password, and State; then click “Submit”.
• Step 3: Verify your mobile number and email via OTP to complete registration.
• Step 4: Log in using your registered email, password, and captcha.
• Step 5: Click “Apply for Services” then “View all Available Services”; search for the scheme and fill out the application form.
• Step 6: Enter your Parivar Pehchan Patra number – Family ID and click “Click here to Fetch Family Data” to display registered family members.
• Step 7: Select the beneficiary/applicant, verify via OTP, and fill in all mandatory details.
• Step 8: Upload all required documents and preview the application form before clicking “Submit”.
• Step 9: Track your application using the Department Name, Scheme Name, and Application Reference ID on the portal.
Documents Required
• Parivar Pehchan Patra (PPP).
• Health Certificate issued by a registered veterinary practitioner.
• Photographs of the Animal showing a visible ear tag.
• Beneficiary’s Share of the Premium (if applicable).
• Scheduled Caste Certificate (for SC beneficiaries).
• Below Poverty Line Certificate (for BPL beneficiaries).
• Claim Settlement Documents:
• FIR with the insurance company and a duly filled claim form.
• Insurance policy document.
• Post-mortem report issued by a veterinary surgeon.
• Intact ear tag and updated bank account details.
Frequently Asked Questions (FAQs)
Q: How much financial assistance can I get for insuring my dairy animals?
A: The assistance is based on the market value of livestock and milk yield, with a maximum coverage of up to five large animals (or equivalent small animals) per household.
Q: I have 8 milch animals. Can I insure all under this scheme?
A: Coverage is limited to five large animals or equivalent; any additional animals may not be covered under a single household’s policy.
Q: What is the process for filing a claim if my insured animal dies?
A: File a claim by submitting the required documents (e.g., post-mortem report, FIR, claim form) to the insurance company; claims are processed within 15 days of document submission, with a 21-day waiting period for non-accidental deaths.
Q: I’m from a Scheduled Caste family. Do I need to pay any premium?
A: No, SC beneficiaries are fully subsidized by the state and central government, meaning they are exempt from paying any premium.
Q: What is the maximum insurance value for my Sahiwal cow that gives 16 liters of milk per day?
A: The sum insured is determined based on the market value of the animal and its milk yield; specific calculations will be provided by the insurance guidelines.
Q: If I sell my insured animal, what happens to the insurance coverage?
A: Insurance coverage typically transfers with the animal, but you must inform the insurance provider for necessary documentation and adjustments.
Q: How long do I have to wait after getting insurance before I can file a claim?
A: Accidental death claims can be filed immediately; non-accidental death claims require a 21-day waiting period.
Q: What if the insurance company delays settling my claim beyond 15 days?
A: Delays will incur a penalty of 12% compound interest per annum on the claim amount.
Q: I don’t have a Parivar Pehchan Patra. Can I still apply?
A: No, a valid PPP is mandatory for eligibility.
Q: If my animal dies during post-mortem, will I still get the claim?
A: Claims depend on complete documentation; consult the insurance guidelines for specifics regarding post-mortem deaths.
Q: What is the role of the veterinary surgeon in the insurance process?
A: The veterinary surgeon issues the post-mortem report and may conduct necessary examinations; their fees are typically not covered by the scheme.
Q: If my Jan Dhan account is to receive a claim above ₹50,000, what should I do?
A: Ensure your bank account details are updated and meet the guidelines specified by the scheme for high-value transactions.