VMD 511: Animal Welfare, Ethics and Jurisprudence (2+0)

VALUABLE ADVICE FOR LIVESTOCK OWNERS TO GET CLAIM

• Look after the insured animal well by proper feeding and management.
• Never shift the insured animal without intimating the insurance company in writing.
• Never sell the insured animal or keep it away from the owner without informing the insurance company.
• Never hide any fact or information regarding injury or death of the insured animal.
• Never cause any injury to the insured animal nor show any disinterest or slackness in the treatment of a sick insured animal.
• The treatment and post-mortem of an insured animal must be done by a qualified veterinarian and not by para-veterinary staff, as this would disqualify the claim.
• In the event of the death of an insured animal immediately inform the insurance company.
• Keep the ear tag along with a piece of the ear in your custody and submit it to the insurance company.
• When an accident occurs never forget to report to the nearest police station.
• All the insurance claim forms must be completed in all respects and then submitted. Incomplete forms cause unnecessary delay.

Repudiation of Insurance Claims

• There are many reasons for which claims are liable to be rejected / repudiated. Some of these are:
• When there is difference in the identification of the animal as given by the owner and as mentioned by a veterinarian in various claim papers.
• If the period of insurance expires prior to the death of the insured animal.
• When fraud is suspected.
• In cases where the treatment and post-mortem are not done by a qualified veterinarian, with the exception indicated earlier in remote villages.
• When the insurance claims are not submitted in time, or the death intimation is not given timely and the carcass is disposed of under suspicious circumstances, the company entertains the claim with doubts.
• In case the insured animal dies due to contagious disease for which vaccination can be done, the companies repudiate such claims. But under special circumstances and on the certificate of a qualified veterinarian that the insured animal died in spite of vaccination, the claims are paid.
• When there is change in location of animal and owner of an insured animal the claim is rejected.
• Where more than one veterinarians are involved in the treatment and post -mortem of an insured animal and there is no synchronization between the two, the claim is likely to be rejected on technical grounds.