Page 335 - Misc Ebook IC 78

Miscellaneous Insurance

policy except that cumulative bonus and free medical
checkup benefits are not provided. The sum insured
person is restricted to Rs. 5000 and at a nominal premium.

Q3.a) Specify the cover provided under the cattle
insurance policy and the exclusion
applicable.

Ans. The Cattle Insurance policy provides indemnity
against death due to:
i. Accident (including Fire, Lightning, Flood,
Inundation, Storm, Hurricane, Cyclone, Tornado,
Tempest and Famine).
ii. Diseases contracted or occurred during the policy
period.
iii. Surgical operations.
iv. Permanent Total Disability cover can be extended
on payment of extra premium : (a) In case of Milch
Cows which results in permanent and total incapacity
to conceive or yield milk. (b) In case of Stud Bulls
which results in permanent incapacity for breeding
purpose. (c) In case of Bullocks, Calves/Heifers
and Castrated male buffaloes which results in

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