Mukhya Mantri Gramin Dudharu Pashudhan Suraksha Yojana
Haryana is well known around the country for its richness in the field of farming. It’s rich not only in terms of agricultural land and farmers but also in terms of livestock with a population of 10 million. And more interesting than this thing is the fact that 6.7 million animals from this population are milch animals. Yep – Haryana is very rich when it comes to dairy as it has got availability of 660 gms of milk per capita, which is second best in the country and much higher than national average milk availability of 232 gms per capita. It’s clearly an asset that they can’t afford to lose.
The government is already well aware of these facts. As a result, it keeps formulating various schemes to maintain its power in the field of dairy farming. The latest initiative in that direction is introduction of a new insurance scheme for milch animals and their owners, and in this article we’re going to learn more about it.
Mukhya Mantri Gramin Dudharu Pashudhan Suraksha Yojana (MMGDPSY)
Under this scheme the owners of milch animals will be allowed to insure their animals for a sum of Rs. 20,000 INR – Rs. 50,000 INR depending on lactation yields of the animal. The annual premium required for the insurance will be Rs. 100 INR only, or less than that, depending on the animal. If insured animal dies due to any unfortunate incident, its owner will be provided the insurance amount in form of compensation.
The scheme won’t replace government’s already implemented Livestock Insurance Scheme (LIS) and will be implemented as a separate scheme instead. The aim of government with this new scheme is to provide some financial security to those farmers and milch animal owners who can’t afford to insure their animals under LIS or any other such scheme.
Eligibility Criteria for Insurance
The government has laid out a criteria for the animals who can be insured under MMGDPSY. According to that criteria any milch animal yielding at least 1500 kg per lactation (around 7.5 kg per day) who hasn’t exceeded certain age barriers will be eligible for registration under the scheme. The age limit for registration of cattle is 10 years while for buffalo and goats it’s 12 years. In short, the criteria looks something like this:
|Sr. No.||Animal||Lactation Yield||Age Limit||Proposed Insurance Sum|
|#1.||Indigenous Cattle||1,500 kg – 2,000 kg|| |
|More than 2,000 kg||Rs. 30,000/-|
|#2.||Exotic Cattle||1,500 kg – 2,000 kg||Rs. 30,000/-|
|More than 2,000 kg||Rs. 40,000/-|
|#3.||Buffalo||1,500 kg – 2,000 kg|| |
|More than 2,000 kg||Rs. 50,000/-|
|#4.||Goats||At least 0.865 kg milk per day||Rs. 3,000/-|
Terms and Conditions to Avail the Insurance
- The registration of animal with Veterinary Surgeon is mandatory of District if someone wants to avail the benefit of this insurance. Without registration no benefits will be provided.
- The highest authority for execution and implementation of this scheme is Haryana Livestock Department Board (HLDB). It will receive the registration fee submitted by the owners of animals and will utilize those funds to finance the execution of scheme. It will also keep full record of all animals insured under the scheme.
How to Avail the Scheme
In order to avail this scheme the owner will have to get his/her milch animal registered with Veterinary Surgeon in Govt. and pay the annual registration fee of Rs. 100 per year (Rs. 25 in case of goats). The surgeon will register the animal, tag the animal and take a photograph of animal along with a photograph of owner. The insurance coverage will continue to work as intended even if an animal is sold to someone else, as long as the new owner notifies the Veterinary Surgeon about his purchase.
Conditions when Claim Amount Won’t be Provided
Just like any other insurance scheme, the insurance amount won’t be paid in case of intentional slaughter, poisoning or clandestine sale. This should be a no-brainer, but there’re some other conditions too that can stop you from receiving the benefits promised by this scheme, which include:
- Theft of animal;
- Death due to electric current or natural calamities;
- Death because of owner’s negligence/lack of care;
- If animal is already registered with any other insurance scheme or company;
- If animal dies within 15 days of registration. This last requirement has been kept in place to prevent registration of ailing animals under the scheme.
In short, the insurance amount won’t be paid if insured animal dies due to owner’s negligence or any crime intentionally committed by him.
District-Level Claim Settlement Committee
To settle the claims filed under this scheme a claim settlement committee will be set up in every district, which will comprise of following members:
- Sarpanch of the village or any other member of Gram Panchayat;
- Veterinary Surgeon of District Veterinary Hospital;
- Sub-Divisional Officer (Animal Husbandry), who will act as secretary of the committee;
- Deputy Director of Department of Animal Husbandry Dairying & Fisheries (DADF);
- Additional Deputy Commissioner (ADC) of District or his representative of IAS cadre.
If someone’s milch animal registered under the scheme dies and he’s eligible to receive the claim according to terms and conditions outlined above, he/she will have to inform the Sarpanch of his Gram Panchayat and submit a written application to the Veterinary Surgeon of his area. After receiving the application surgeon will arrange a post mortem of dead animal and a post mortem report will be generated.
Once he/she receives the post mortem report, the owner will have to obtain a claim form from Claim Settlement Committee, fill it along with required documents, and submit it back to the committee. The documents required for submission along with form include:
- Two photographs of animal, one captured at the time of death and one at the time of registration, and;
- Post mortem report provided by the surgeon.
Once these things are submitted by the applicant, the committee will verify all the details. If information provided by the owner is found true the claim amount will be credited directly to his/her bank account within a month of form submission.
In order to implement this scheme Haryana government will need a sum of Rs. 20 crore annually, which will be raised from following portfolio of schemes:
|Scheme name||Funds raised|
|Grant to Board (Non Plan Scheme)||Rs. 12 crore|
|Plan SCSP scheme||Rs. 4 crore|
|HLDB share||Rs. 4 crore|
By the end of Fiscal Year if any money is saved from these funds of Rs. 20 crore, it’ll be re-invested in the scheme for financing next year’s expenses.
If an application isn’t approved or rejected within a month of its submission, or if payment of insurance amount takes a long time, the applicant can complain about it to ADC of District, Deputy Director of DADF or Nodal Officer of scheme in HLDB.
As you can see, this is arguably one of the best financial security schemes ever released by the government for poor farmers and milch animal owners. If you own an uninsured milch animal you should definitely take its advantage to add a layer of financial security to your life.