New India Assurance Cattle Insurance 2026 – Cow & Buffalo Policy, Premium & Claims
New India Assurance cattle insurance 2026 — India ke largest PSU general insurer ka yeh pashudhan bima scheme Bihar, UP aur poore desh ke dairy farmers ke liye ek financial safety net hai. Agar aapki cow ya buffalo ki achaanak maut ho jaaye bimari, accident ya flood se, to aapko Rs.20,000 se lekar Rs.1,00,000+ tak ka claim mil sakta hai. Sirf Rs.2,000 annual premium par Rs.50,000 ki cow cover hoti hai — yeh deal koi private insurer nahi deta. Is comprehensive 2026 guide mein hum cover karenge: NIA cattle insurance ke coverage details, premium rate table, cow-buffalo age limits, veterinary certificate ki process, step-by-step claim filing, government 50% subsidy scheme, NIA vs private insurer comparison, aur Bihar/UP ke liye regional office contacts.
- New India Assurance Cattle Insurance 2026 Kya Hai?
- Premium Rate Table – Cow, Buffalo, Bull, Calf (2026)
- Age Limit & Eligibility – Kaun Se Janwar Cover Hote Hain
- Insurance Coverage – Kya Kya Cover Hota Hai (4 Categories)
- Government 50% Subsidy Scheme – DAHD Livestock Insurance
- Policy Kaise Lein – Step-by-Step Application Process
- NIAC Cattle Claim Process – Death & PTD Dono Ke Liye
- Kise Leni Chahiye New India Assurance Dairy Farm Policy?
- NIA Cattle Insurance vs Private Insurer – Comparison Table
- High-Value Pashudhan Bima Terms Aapko Jaanne Chahiye
- Bihar & UP Regional Office Contacts – NIA Cattle Insurance
- Frequently Asked Questions (FAQ)
New India Assurance Cattle Insurance 2026 Kya Hai?
The New India Assurance Co. Ltd. (NIA) ek Govt. of India ka PSU (Public Sector Undertaking) hai jisme 100% government shareholding hai. Yeh India ka largest general insurer hai jisne FY 2025-26 mein Rs.47,174 crore ka record gross global written premium achieve kiya hai. NIA ka IRDAI Registration Number 190 hai aur CIN Number L66000MH1919GOI000526 hai — matlab yeh 107+ saal purani, fully regulated company hai.
NIA ki cattle insurance policy ek rural insurance product hai jo kisi bhi indigenous, exotic ya cross-bred cattle ke liye available hai. Policy number NC-00405 ke under yeh scheme operate hoti hai. Sum insured market value par based hoti hai — yaani agar aapki buffalo ki current market value Rs.60,000 hai, to sum insured Rs.60,000 hoga. Indemnity sum insured ya illness se pehle ki market value — dono mein se jo kam ho — milegi.
| Company | The New India Assurance Co. Ltd. (PSU) |
| Policy Type | Rural Insurance – Cattle (NC-00405) |
| IRDAI Reg. No. | 190 |
| Basic Premium Rate | 4% per annum of Sum Insured |
| Sum Insured Basis | Current Market Value of Animal |
| Policy Duration | 1 Year (long-term policies also available) |
| Govt. Subsidy Available | 50% under DAHD Livestock Insurance Scheme |
| PTD Cover | Available on extra premium (max 75% of SI) |
| Toll-Free Number | 1800-209-1415 |
| Official Website | newindia.co.in |
Premium Rate Table – New India Assurance Cattle Insurance 2026
New India Assurance cattle insurance ka basic premium rate 4% per annum hai, jo animal ki market value par calculate hota hai. Niche table mein different market values ke liye annual premium, government subsidy amount aur farmer ka effective cost diya gaya hai:
| Animal Market Value (Rs.) | Annual Premium @ 4% (Rs.) | Govt. 50% Subsidy (Rs.) | Farmer ka Net Premium (Rs.) | Annual Cover Value (Rs.) |
|---|---|---|---|---|
| 20,000 | 800 | 400 | 400 | 20,000 |
| 30,000 | 1,200 | 600 | 600 | 30,000 |
| 40,000 | 1,600 | 800 | 800 | 40,000 |
| 50,000 | 2,000 | 1,000 | 1,000 | 50,000 |
| 60,000 | 2,400 | 1,200 | 1,200 | 60,000 |
| 75,000 | 3,000 | 1,500 | 1,500 | 75,000 |
| 1,00,000 | 4,000 | 2,000 | 2,000 | 1,00,000 |
Note: Govt. 50% subsidy sirf DAHD ki Centrally Sponsored Livestock Insurance Scheme ke under eligible crossbred/high-yielding animals ke liye milti hai. Group discount aur long-term policy discount alag se applicable hai. Premium mein GST extra lagega.
Age Limit & Eligibility – Kaun Se Janwar Cover Hote Hain?
New India Assurance livestock policy ke under har category ke janwar ke liye alag age limit tay ki gayi hai. Sirf is age range mein aane wale animals ko standard insurance scheme mein accept kiya jata hai:
| Animal Category | Eligible Age Range | Gender | Type |
|---|---|---|---|
| Milch Cows (Gaay) | 2 saal ya pehli calving se 10 saal tak | Female | Indigenous / Exotic / Cross-bred |
| Milch Buffaloes (Bhains) | 3 saal ya pehli calving se 12 saal tak | Female | Indigenous / Exotic / Cross-bred |
| Calves / Heifers (Bachde/Kachhi) | 4 mahine se eligible calving age tak | Both | All types |
| Stud Bulls (Breeding Bull) | 3 saal ya sexual maturity se 8 saal tak | Male | All types |
| Bullocks (Castrated Bulls) | 3 saal se 12 saal tak | Male Castrated | All types |
| Castrated Male Buffaloes | 3 saal se 12 saal tak | Male Castrated | All types |
Government ki DAHD Livestock Insurance Scheme ke under zyada focus milch cattle par hai — specifically woh female cattle/buffalo jo minimum 1,500 litre milk per lactation deti hain unhe high-yielding consider kiya jata hai aur unhe maximum market value par insure kiya ja sakta hai.
Insurance Coverage – Kya Kya Cover Hota Hai?
New India Assurance cattle insurance 2026 mein maut (death) 4 main categories se cover hoti hai. Saath hi, optional PTD (Permanent Total Disability) cover extra premium par liya ja sakta hai:
- 🔥 Accident Coverage: Fire, lightning, flood, inundation, storm, hurricane, earthquake, cyclone, tornado, tempest aur famine se hua accident cover hota hai. Bihar aur UP jaise flood-prone areas ke farmers ke liye yeh sabse important coverage hai.
- 🦠 Disease Coverage: Policy period ke dauran contracted ya occurring diseases cover hoti hain. Ek important note: non-scheme claims mein policy shuru hone ke 15 din ke andar contracted diseases cover nahi hoti.
- 🏥 Surgical Operations: Kisi bhi surgical operation se hone wali maut covered hai. Iska matlab hai ki veterinary surgery ke bad janwar mar jaaye to claim milega.
- ⚡ Riot and Strike: Dange ya hadhtal ke dauran hone wali maut bhi cover hoti hai.
PTD (Permanent Total Disability) Extension — Extra Premium Par: PTD cover optional extension hai. Milch cattle ke liye PTD ka matlab hai permanently doodh ya garbh dhaarane ki incapacity. Stud bulls ke liye breeding incapacity PTD hai. Bullocks/calves ke liye proposal form mein stated purpose ki permanent incapacity PTD consider hogi. PTD claim mein indemnity sum insured ka maximum 75% tak limited hai.
Government 50% Subsidy – DAHD Livestock Insurance Scheme 2026
Ministry of Fisheries, Animal Husbandry & Dairying (MoFAHD) ke antargat Department of Animal Husbandry & Dairying (DAHD) ki Centrally Sponsored Livestock Insurance Scheme ke through farmers ko cattle insurance par 50% premium subsidy milti hai. Yeh poori subsidy central government deti hai — farmer ko sirf 50% premium dena hota hai.
| Scheme Parameter | Details |
|---|---|
| Implementing Agency | DAHD, Govt. of India (via State Livestock Development Boards) |
| Premium Subsidy | 50% — entirely borne by Central Government |
| Eligible Animals | Crossbred & high-yielding cattle/buffalo (min. 1,500 L/lactation) |
| Maximum Animals per Beneficiary | 2 animals (DAHD Livestock Insurance Scheme) |
| Maximum Policy Duration | 3 saal (3-year policy recommended — more economical) |
| Subsidy Restriction | One-time benefit per animal; renewal par subsidy nahi |
| Target States | Sabhi states except Goa (100 selected districts) |
| SC/ST Preference | SC/ST farmers ko priority (some states 75% subsidy bhi dete hain) |
Bihar mein yeh scheme Bihar State Livestock Development Board (BSLDB) ke through implement hoti hai. UP mein UP Livestock Development Board (UPLDB) implement karti hai. Farmers apne district ke Animal Husbandry office ya nearest NIA branch se contact kar ke subsidy ka benefit le sakte hain. Scheme ke details DAHD ki official website dahd.gov.in par available hain.
New India Assurance Cattle Insurance Policy Kaise Lein? (Step-by-Step)
New India Assurance pashudhan bima policy lene ka process simple hai. Yahan 7-step guide hai Bihar aur UP ke farmers ke liye:
- Nearest NIA Branch Visit karein: Apne district ke nearest New India Assurance branch mein jaayen. Patna Regional Office (Fraser Road) ya Lucknow office se bhi guide le sakte hain. Toll-free 1800-209-1415 se branch locate karein.
- Proposal Form lein aur bharein: Branch se cattle insurance application form (NIA ka official format) lein. Form mein janwar ki complete details bharni hogi — breed, colour, age, natural identification marks, ear tag number, aur purpose of use.
- Qualified Veterinarian se Health Certificate lein: Yeh sabse important step hai. Registered veterinarian se animal ka health certificate lein jisme age, identification marks, health status aur current market value clearly mention ho. Yeh certificate NIA ke prescribed format mein hona chahiye.
- Photographs (High-Value Animals ke liye): Agar animal ki value high hai to NIA photographs bhi maang sakti hai. Animal ke saath khade hokar 2-3 clear photographs le lein.
- Ear Tag lagwaayein: NIA agent janwar ke kaan mein ear tag lagata hai aur code number Veterinary Health Certificate mein enter kiya jaata hai. Yeh compulsory hai — bina ear tag ke claim nahi milega (“No Tag – No Claim” rule).
- Premium Payment karein: Policy ke anusaar annual ya multi-year premium pay karein. Subsidy eligible hone par sirf 50% pay karna hoga — baaki government de degi. Payment receipt sambhal kar rakhein.
- Policy Document lein aur check karein: Policy document mein janwar ki sab details, sum insured, premium paid, policy period check karein. Koi galti ho to turant branch ko inform karein.
NIAC Cattle Insurance Claim Process 2026 – Death & PTD Dono
New India Assurance pashudhan bima mein claim file karna relatively straightforward process hai — bas documents sahi rakhein aur time par inform karein. Yahan death claim aur PTD claim dono ke liye step-by-step process hai:
Death Claim Process (Maut Hone Par)
- Turant intimation dein: Janwar ki maut hote hi nearest NIA branch/office ko phone ya WhatsApp se inform karein. Delay nahi karna chahiye — jitna jaldi report karein utna better.
- Veterinarian se Death Certificate lein: Qualified veterinarian se NIA ke company form par death certificate obtain karein. Cause of death clearly mention hona chahiye.
- Postmortem Report (agar company maange): NIA ka surveyor postmortem report maang sakta hai, especially bimari se maut ke cases mein. Isko complete karwaayein.
- Ear Tag surrender karein: Yeh critical hai — insured animal ka ear tag NIA ko surrender karna compulsory hai. Ear tag nahi mila to claim reject ho sakta hai (No Tag – No Claim rule).
- Claim Form bharein: Duly completed claim form branch mein submit karein. Form ke saath death certificate, postmortem report, policy copy aur ear tag attach karein.
- Surveyor inspection ka wait karein: NIA apna surveyor bhejega jo documents verify karega. Sab sahi hone par claim settle ho jaayega.
PTD (Permanent Total Disability) Claim Process
- Qualified Vet Certificate lein: PTD ke liye veterinarian ka detailed certificate chahiye jisme disability clearly documented ho.
- NIA Veterinary Officer inspection: Company apna vet officer bhi janwar ko inspect karega — dono doctors ki report zaroor hogi.
- Complete treatment chart submit karein: Sabhi medicines, treatment records, receipts etc. submit karne honge.
- 2 mahine wait karein: PTD claim ki admissibility vet doctors ki report ke 2 mahine baad decide hoti hai.
- PTD Claim limit: Maximum indemnity sum insured ka 75% tak milegi, 100% nahi.
Kise Leni Chahiye New India Assurance Dairy Farm Policy?
- 🐄 Dairy farmers (1-50 animals): Jinka income milk production par depend karta hai unke liye yeh policy income protection ka kaam karti hai. Ek animal ki maut se Rs.30,000-1,00,000 ka direct loss hota hai.
- 👩🌾 Women SHG members: Bihar aur UP mein lakhon women Self Help Groups hain jo dairy farming se judi hain. Group discount available hai 3+ animals par, aur SC/ST women ko priority bhi milti hai.
- 🏦 KCC/Pashu Kisan Credit Card holders: Jinke paas NABARD ya bank se pashu loan hai unhe cattle insurance compulsory hoti hai. NIA ka PSU status bank acceptance ke liye best hai.
- 🌊 Flood-prone areas ke farmers (Bihar, Assam, UP): Bihar ke Mithilanchal, Kosi, Gandak belt aur UP ke eastern districts mein flood se cattle mortality risk bahut high hai — yahan insurance life-saving financial tool hai.
- 🏥 AHIDF/NLM loan lene wale entrepreneurs: Animal Husbandry Infrastructure Development Fund ya National Livestock Mission ke under loan lene wale applicants ke liye cattle insurance mandatory hoti hai.
- 🧑🎓 Agriculture graduates jo dairy startup kar rahe hain: Fresh dairy units ke liye initial cattle cover lena ek smart risk management strategy hai.
- 👴 SC/ST pashupalan karne wale: Government schemes mein SC/ST farmers ko 75% tak subsidy milti hai kuch states mein, isliye inke liye NIA cattle insurance especially economical hai.
- 🤝 Cooperative dairy members (Comfed, NDDB affiliates): Jo farmers cooperative dairy societies se jude hain unhe group insurance mein better rates milte hain — NIA cooperative se tie-ups bhi rakhti hai.
New India Assurance vs Private Insurer – Cattle Insurance Comparison 2026
| Parameter | New India Assurance (PSU) | Private Insurer (General) |
|---|---|---|
| Government Subsidy Eligible | ✅ Haan – DAHD scheme mein empanelled | ❌ Zyatar nahi (kuch hain) |
| Basic Premium Rate | 4% per annum | 4-6% per annum |
| PSU Trust Factor | ✅ 107+ saal ka track record | Comparatively new |
| Rural Network (Bihar/UP) | ✅ Patna, Lucknow RO + 100s of branches | Limited rural presence |
| Bank Loan Acceptance | ✅ All PSU banks directly accept | Sometimes bank approval needed |
| Claim Settlement Record | Strong – PSU accountability | Variable |
| Group Discount Available | ✅ 3+ animals par discount | ✅ Usually available |
| Online Policy Purchase | ✅ newindia.co.in | ✅ Available |
| Toll-Free Support | 1800-209-1415 (free) | Varies |
High-Value Pashudhan Bima Terms – Jo Aapko Jaanne Chahiye
- 🐄 New India Assurance pashudhan bima: NIA ka complete livestock insurance product range — cattle, buffalo, sheep, goat, poultry sab cover hota hai. Dairy farm ke liye single company se multi-species cover lena efficient hai.
- 📋 NIAC cattle insurance premium rate: Standard rate 4% per annum hai. Rs.50,000 ki cow ka annual premium Rs.2,000 banta hai — monthly sirf Rs.167. Yeh cost ek animal ki milk income ka sirf 1-2% hai.
- 🏥 Veterinary health certificate NIA: Qualified VLDA/BVSc doctor se NIA ke prescribed format mein certificate — age, marks, health status, market value sab likhwana hota hai. Yeh document policy ka foundation hai.
- 💊 PTD cattle insurance meaning: Permanent Total Disability — milch cow ke liye lifetime milk production ya breeding capacity permanently khatam ho jaana. Extra premium dekar yeh cover milta hai, claim 75% of SI tak.
- 🏷️ Ear tag cattle insurance rule: “No Tag – No Claim” — NIA ka strict rule hai. Insurance lene ke baad ear tag compulsory hai. Tag kho jaaye ya damage ho to turant NIA ko inform karein aur replacement karwaayein.
- 🌾 DAHD livestock insurance subsidy 2026: Department of Animal Husbandry & Dairying ki central scheme — crossbred/high-yielding cattle ke liye 50% premium central government bharta hai. Benefit maximum 2 animals, 3 saal ke liye.
- 💰 Market value vs sum insured cattle: Insurance company animal ki current market value par based sum insured set karta hai. Market value nikalni ke liye vet certificate zaroori hai — isi liye vet ka assessment critical hota hai.
- 📊 Group cattle insurance discount: 3 ya zyada animals ek saath insure karwane par NIA group discount deti hai — dairy farm owners ke liye yeh zyada economical option hai.
Bihar & UP ke Liye NIA Regional Office Contacts 2026
New India Assurance cattle insurance 2026 ke liye Bihar aur UP ke farmers nearest NIA office visit kar sakte hain ya toll-free number par call kar sakte hain:
| Location | Office Name | Address | Contact |
|---|---|---|---|
| Bihar (Patna) | Patna Regional Office | 6th & 7th Floor, BSFC Building, Fraser Road, Patna – 800 001 | 1800-209-1415 |
| Bihar (Patna) | Patna DO-I | Red Cross, 3rd Floor, North Gandhi Maidan, Patna – 800 001 | NIA Toll Free |
| Bihar (Patna) | Patna DO-II | Gobind Bhawan, New Dak Bungalow Road, Patna – 800 001 | NIA Toll Free |
| UP (Lucknow) | Lucknow Regional Office | Contact via newindia.co.in/our-offices | 1800-209-1415 |
| All India | Toll-Free Helpline | Pan-India (24×7) | 1800-209-1415 |
| Online | Official Website | newindia.co.in/rural-insurance/cattle | Buy Now button |
Nearest branch dhundhne ke liye newindia.co.in/our-offices par state aur city select karein. Bihar mein Muzaffarpur, Darbhanga, Bhagalpur, Gaya mein bhi NIA branches hain. UP mein Varanasi, Agra, Allahabad (Prayagraj), Kanpur mein branches available hain.
DAHD ki Livestock Insurance Scheme ke details aur district-wise implementation ke liye dahd.nic.in/related-links/livestock-insurance visit karein. UP Livestock Development Board ki scheme ke liye upldb.up.gov.in check karein.
Frequently Asked Questions – New India Assurance Cattle Insurance 2026
New India Assurance cattle insurance 2026 ka premium rate kya hai?
New India Assurance cattle insurance 2026 ka basic premium rate 4% per annum hai, jo animal ki market value par calculate hota hai. Agar ek cow ki market value Rs.50,000 hai to annual premium Rs.2,000 hoga. Government subsidized schemes ke liye concessional rates available hain, aur 3+ animals par group discount bhi milta hai. Long-term 3-year policies par additional discount bhi apply hota hai.
New India Assurance livestock policy mein kaunse janwar cover hote hain?
New India Assurance cattle insurance policy mein milch cows, milch buffaloes, calves/heifers, stud bulls, bullocks (castrated bulls), aur castrated male buffaloes cover hote hain. Yeh indigenous, exotic aur cross-bred teeno prakar ke janwaron par lagu hoti hai. Animals ko specified age groups mein hona zaroori hai — milch cow 2 se 10 saal, milch buffalo 3 se 12 saal tak eligible hai.
NIAC cattle insurance ke liye veterinary certificate kyun zaroori hai?
New India Assurance cattle insurance ke liye veterinary health certificate mandatory document hai. Isme qualified veterinarian janwar ki age, identification marks, health status aur current market value certify karta hai. Yeh certificate policy issue hone se pehle submit karna hota hai — bina vet certificate ke policy nahi milti. Market value assessment isi certificate ke base par hoti hai, jo ultimately aapka claim amount decide karti hai.
New India Assurance pashudhan bima claim kaise file karein?
Janwar ke marne par turant NIA branch ko inform karein. Phir duly completed claim form, qualified veterinarian se death certificate, agar company mange to postmortem report, aur janwar ka ear tag surrender karna hoga. ‘No Tag – No Claim’ rule strictly lagu hota hai — ear tag surrender karna compulsory hai. Sab documents sahi hone par NIA surveyor verify karega aur claim settle hoga. PTD claim mein 2 mahine ki waiting period hoti hai.
Government cattle insurance scheme mein 50% subsidy kaise milti hai?
DAHD ki Centrally Sponsored Livestock Insurance Scheme ke antargat central government 50% premium subsidy deti hai. Yeh benefit ek beneficiary ko maximum 2 animals par, maximum 3 saal ki policy par milta hai. Crossbred aur high-yielding cattle/buffalo jo 1,500 litre milk per lactation deti hain unhe cover milta hai. Bihar mein BSLDB aur UP mein UPLDB is scheme ko implement karti hai. Nearest Animal Husbandry office se apply karein.
New India Assurance dairy farm policy mein cow ki maximum age limit kya hai?
New India Assurance cattle insurance mein milch cows 2 saal ya pehli calving se lekar 10 saal tak cover hoti hain. Milch buffaloes 3 saal ya pehli calving se 12 saal tak eligible hain. Calves/Heifers 4 mahine se eligible calving age tak insure ho sakte hain. Stud bulls 3 saal ya sexual maturity se 8 saal tak, aur bullocks/he-buffaloes 3 se 12 saal tak insured ho sakte hain.
Bihar aur UP farmers New India Assurance cattle insurance kahan se lein?
Bihar ke farmers Patna Regional Office (6th & 7th Floor, BSFC Building, Fraser Road, Patna – 800 001) se contact kar sakte hain. UP ke farmers Lucknow Regional Office ya apne nearest NIA branch se policy le sakte hain. Toll-free number 1800-209-1415 par bhi call karke nearest office pata kar sakte hain. Online application bhi newindia.co.in par “Buy Now” button se available hai.
New India Assurance buffalo insurance mein PTD claim ki limit kya hai?
Permanent Total Disability (PTD) claim mein indemnity sum insured ka maximum 75% tak limited hoti hai. Milch cattle ke liye PTD ka matlab hai permanently doodh na de sakne ya garbh na dhaaran kar sakne ki incapacity. PTD cover extra premium dekar policy mein add kiya ja sakta hai — yeh default mein included nahi hota. Claim admissibility vet doctors ki report ke 2 mahine baad decide hoti hai.
📌 Yeh guide regularly reviewed aur updated ki jaati hai accuracy ke liye. Latest 2026 notifications ke liye is page ko bookmark karein. Policy details ke liye hamesha official NIA website ya nearest branch se confirm karein.
Last Updated: June 2026
