1. SHREE KSHETRA DHARMASTHALA RURAL DEVELOPMENT PROJECT (R.) Dharmasthala

2.  Exposure to health risks.  Possibility of accidents while grazing.  Involvement of loan component.  Poverty. NEED FOR LIVE STOCK INSURANCE

3. The Premium Amount The Waiting period The Settlement of the claims THREE DECIDING FACTORS

4. The following documents were to be submitted to insure cattle.  Age of the cattle.  The cattle has to be inspected and certified by a Veterinary doctor.  The animal has to be Ear tagged by the Veterinary doctor.  The photo of the animal showing the Ear tag and the owner of the animal. METHOD FOR POLICY MAKING

5. Sl. no. Animal Value (Rs.) 1 year2 years3 years 1100Rs.5Rs.10Rs.12 210000Rs.500Rs.1000Rs.1200 1)Waiting period. 2) Calculation of Premium Amount.

6.  Assignment of SKDRDP Puttur office as the Nodal office.  Awareness about the cattle Insurance program.  Presence of the dairy officers at all the project offices.  Allocation of premium amount along with the loan amount if necessitated.  Provision of the list of beneficiaries.  Insuring the animal.  Premium payment to Insurance Company.

7.  Documents have to be submitted.  The death of an animal has to be certified by the Veterinary doctor.  The photo of the animal with the ear tag and the owner of the animal.  Tag of the animal  Copy of the policy certificate. SETTLEMENT PROCESS

8. CATTLE INSURANCE POLICIES AS ON 31-3-2009 No. of animals Insured9087 Total Insured amount(Rs.)105305115 Number of claims settled129 Claim Amount settled(Rs.)1552250 ||OM SHREE MANJUNATHAYA NAMAH|| SHREE KSHETRA DHARMASTHALA RURAL DEVELOPMENT PROJECT(R.) DHARMASTHALA

9. CATTLE INSURANCE POLICIES AS ON 31-3-2009 TalukNo. of Policies Total Premium Amount (Rs.) Dakshina Kannada 3886,48,528 Uttar Kannada 6127,15,442 Udupi 1992,57,052 Shimoga 505746,23,484 Chikmagalore 283125,93,371 TOTAL 908788,37,877 ||OM SHREE MANJUNATHAYA NAMAH|| SHREE KSHETRA DHARMASTHALA RURAL DEVELOPMENT PROJECT(R.) DHARMASTHALA

10.  Introduction  Premium  Benefits  Participation in Profits of these Corporation  Eligibility Conditions And Restrictions  Commission For Micro-Insurance Agents  Underwriting, Age Proof And Medical Requirements  Grace Period For Payment Of Premium  Auto-Cover

11.  The proposal form would be filled by the field animator and the demand draft of the premium amount favoring the assigned LIC office would be taken by the field animator and submitted to the respective SKDRDP Project office.  The Office staff at Project office would fill in the details in the software and prepare the back up of the software.  The proposal forms, premium amount, software back up and the printed statement of the software would be sent to the assigned LIC office on the same day.  Any claim settlement would be considered from the day of the registration in the software.

12.  Claim form  Death certificate  Copy of the Policy certificate  Promissory note from nominee  Promissory note from field animator  Doctor certificate In the case of any claims, the Field animator would send the following details to the LIC office within 10 days of the claim

13. LIFE INSURANCE POLICIES AS ON 31-3-2009 TalukNo. of Policies Total Premium Amount (Rs.) Dakshina Kannada 20,0562,49,43,722 Uttar Kannada 12,6211,42,06,280 Udupi 18,0542,06,56,834 Shimoga 6290,600 Chikmagalore 00 TOTAL 50,7935,98,97,436 No. of claims settled 224,00,000 ||OM SHREE MANJUNATHAYA NAMAH|| SHREE KSHETRA DHARMASTHALA RURAL DEVELOPMENT PROJECT(R.) DHARMASTHALA