The “Pashu Bima Yojana” is a livestock insurance scheme launched by the Directorate of Dairy Development, Government of Bihar. The scheme is designed to provide financial security to livestock owners by offering insurance coverage against losses due to serious diseases such as Lumpy Skin Disease, HSBQ, and other causes of cattle death. Under this scheme, each dairy cattle (milch animal) can be insured for a maximum value of ₹60,000. The scheme is implemented by District Dairy Development Officers across Bihar and aims to protect farmers’ investments in their livestock.
Benefits
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Insurance Coverage:
Each milch cattle is insured for up to ₹60,000. -
Premium Subsidy:
The insurance premium is calculated at 3.5% of the insured value, which amounts to ₹2,100 per cattle. The state government provides a 75% subsidy (₹1,575), while the remaining 25% (₹525) is contributed by the cattle owner. -
Validity and Additional Features:
- The insurance is valid for one year.
- The insurance company is responsible for fitting data ear tags on the milch cattle for identification and monitoring.
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Responsibility:
The safety and care of the insured milch cattle remain the responsibility of the beneficiary.
Eligibility
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Applicant Criteria:
The applicant must be a farmer owning milch cattle. -
Membership:
The applicant must be a member of the “Milk Producer Cooperation Committee.” -
Animal Health:
The milch cattle to be insured must be healthy and certified by a veterinary doctor at the time of insurance.
Application Process
Online
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Registration:
- Visit the registration page: https://misdairy.bihar.gov.in/Registration/Register
- Provide the following details: full name, father’s/husband’s name (as applicable), date of birth, gender, district, and a valid Aadhaar number.
- Enter your active mobile number to receive an OTP.
- Enter the OTP and submit the registration form.
- Upon successful registration, a password will be sent to your registered mobile number, which will be used for future logins.
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Application Submission:
- Visit the login page: https://misdairy.bihar.gov.in/
- Log in using your registered mobile number and the password provided.
- The portal will pre-populate your details, such as mobile number, district, block, and PIN code.
- Provide additional details like the full name of the proposer, occupation, and qualification.
- Upload the required supporting documents (as listed below).
- Once completed, click on “Submit” to finalize your application.
Documents Required
- Aadhaar Card.
- Milk Producer Society Membership Receipt.
- Proposer’s photograph (passport-sized).
Frequently Asked Questions
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What are the main diseases covered under the livestock insurance scheme?
The scheme covers serious diseases including Lumpy Skin Disease, HSBQ, and other causes that can result in cattle death. -
What is the maximum value per milch animal under this scheme?
Each milch cattle is insured for up to ₹60,000. -
Is there a preference given to members of milk producer cooperatives?
Yes, only farmers who are members of the “Milk Producer Cooperation Committee” are eligible. -
Are only healthy animals eligible for insurance under this scheme?
Yes, the cattle must be healthy and must be certified by a veterinary doctor at the time of insurance. -
Who is responsible for implementing the scheme at the district level?
The scheme is implemented by the District Dairy Development Officers across Bihar. -
How can interested applicants apply for livestock insurance?
Applications can be submitted online through the MIS Dairy portal. -
Can farmers insure animals other than milch animals?
This scheme specifically covers milch cattle. -
Is there any penalty for late application submission?
Details on penalties for late submission, if any, will be specified in the official guidelines. -
Are there any specific long-term goals aimed at through this scheme?
The scheme aims to safeguard farmers’ investments, promote better livestock management, and ensure financial security during medical emergencies. -
How long is the insurance period for milch animals?
The insurance coverage is valid for one year. -
Are there any exemptions or discounts for certain categories of farmers?
The premium subsidy covers 75% of the cost, making it more affordable for eligible farmers.