- Kerala Cattle Insurance Scheme offers up to 65,000 for cattle loss and 5 lakh compensation for farmers in case of death or disability.
- Eligible cattle include cows and buffaloes aged 2 to 10 years, meeting specific health and productivity requirements.
- Premiums are mostly covered by an 85% government subsidy, with simple enrollment and claim steps.
In a significant move to support livestock farmers, the Kerala government has launched the Kerala Cattle Insurance Scheme, aimed at providing financial protection against cattle loss and farmer disability. Under the scheme, farmers can claim insurance coverage of up to ₹65,000 for cattle losses resulting from illness, natural disasters, or permanent disability.
Additionally, the scheme offers compensation of up to ₹5 lakh to farmers in the event of accidental death or disability, ensuring a strong safety net for those dependent on livestock for their livelihood. This initiative is expected to offer crucial relief and stability to the farming community across the state.
Who Can Apply for the Kerala Cattle Insurance Scheme
To get the benefits, there are specific conditions for both cattle and farmers. Only cows and buffaloes aged between 2 and 10 years qualify. Milking cows must produce at least 7 litres of milk daily to be eligible. Pregnant heifers in their last trimester and dry pregnant cows with more than seven months of pregnancy also qualify. A veterinary surgeon from the department will select which animals are suitable for insurance. Also, only healthy and vaccinated animals as per required rules are covered. Each insured animal must have a 12-digit polyurethane ear tag for identification.
Also Read – Gau Samridhi Bima Yojana Kerala – Eligibility, Benefits & Application Process
What the Scheme Covers and Compensation Details
This scheme offers good coverage. If a cow or buffalo dies due to illness or becomes severely sick, you can get between 60,000 and 65,000 as insurance. Damage or loss caused by natural disasters is also included. To directly support farmers, the scheme gives compensation up to 5 lakh for accidental death or total/partial disability, helping you handle sudden money troubles.
Premium Costs and Subsidies
The Kerala Cattle Insurance Scheme offers premium rates with strong government support. For cattle valued at 65,000, the one-year policy premium is only 437, and the three-year policy costs 1,071. Both these premiums include an 85% government subsidy. For the 5 lakh coverage against accidental death or disability, farmers pay just 100. In this initial phase, the scheme plans to insure at least 2,320 cattle under the one-year policy and 400 under the three-year policy.
How to Enroll and Claim Benefits
Joining this scheme is simple. Farmers need to register their cattle at local Animal Husbandry Department offices, where veterinary surgeons check the animals’ health and eligibility. Each insured animal must wear the 12-digit polyurethane ear tag. If you face loss or damage, you can claim by submitting veterinary reports and proof of loss to the department. Sending these documents on time will make sure you get your compensation without hassle, helping you recover quickly.
| Feature | Details |
|---|---|
| Coverage for Cattle Loss | 60,000 – 965,000 |
| Compensation to Farmers | Up to 95,00,000 (death/disability) |
| Eligible Animals | Cows and buffaloes aged 2-10 years |
| Premium (1-year) | 9437 (includes 85% subsidy) |
| Premium (3-year) | 91,071 (includes 85% subsidy) |
| Minimum Milk Yield for Milking Cows | 7 Litres per day |
| Identification Needed | 12-digit polyurethane ear tag |
| Official Website | animalhusbandry.kerala.gov.in |
This scheme encourages cattle owners in Kerala to protect their animals and income with affordable premiums and clear benefits. To know more or to register, visit the official Kerala Animal Husbandry Department website. Protect your animals and yourself from unexpected losses and keep your farming income steady.