GENERAL INFORMATION ON THE LIVESTOCK MORTALITY INSURANCE PROGRAM

The Philippine Crop Insurance Corporation (PCIC) provides insurance cover to livestock, such as: cattle, carabao, horse, swine, goat, sheep, poultry, and game fowls and animals.

  1. TYPES OF INSURANCE COVER
    1. Non-Commercial Mortality Insurance Cover for cattle, carabao, horse, swine, goat & sheep.
  1. Commercial Mortality Ins. Cover for cattle, carabao, horse, swine, goat & sheep and poultry.
  1. Special Cover for livestock dispersal.
  2. Special Cover for game fowls and animals such as fighting cocks and race horses.
  1. INSURANCE COVER

These policies cover death due to accidents, and/or diseases, and/or other covered risks affecting the livestock.

  • ELIGIBILITY

The following animals are insurable:

Insurance Animal Purpose No. of Heads/Birds per Remarks
Cover Farmer
Cattle and Draft, 2 to 10
Carabao Dairy,
Breeder,
Non- Fattener Max. total sum
insured of less than
Commercial
P110,000 per farmer
Horse Draft/Working 2 to 10
Mortality
or P15,000 or less
Insurance
Goat and Breeder, 10 to 25 per head
Sheep Fattener
Swine Breeder 2 to 10
Fattener 7 to 20

 

Cattle and Draft, Dairy, 11 and > (or at least one (1)
Carabao Breeder, animal involving coverage of
Fattener at least P15,001)
Horse Draft/Working 11 (minimum)
Commercial
Goat and Breeder, Fattener 26 (minimum) A minimum total
Mortality
Sheep sum insured of
Insurance
Swine Breeder 11 (minimum) P110,000
Fattener 21 (minimum)
Poultry Broilers 5,000 (minimum)
Chicken Pullets/Layers 1,000 (minimum)
Duck Pullets/Layers 1,000 (minimum)

IV. INSURABLE AGE

Animal Purpose Insurable Age Remarks
From To
Cattle & Draft, Dairy, 7 mos. 5 yrs. Over 5 yrs. old can be covered subject to
Carabao Breeder, Fattener specific premium loading up to age 12 yrs.
Horse Draft/Working 3 yrs. 5 yrs. Over 5 yrs. old can be covered subject to
specific premium loading up to age 12 yrs.
Goat & Breeder 4 mos. 1 yr. Can be renewed annually up to 5 yrs. old
Sheep Fattener 4 mos. 1 yr. Until sold whichever comes earlier
Swine Breeder 6 mos. 2 yrs. Can be renewed up to 4 yrs. old
Fattener 50days 6 mos. Until sold whichever comes earlier
Poultry Broilers 1 day 8 wks.
Chicken Pullets/Layers 1 day 75 wks. Or insurable age could be agreed upon
Duck Pullets/Layers 12 wks. 65 wks. Or insurable age could be agreed upon

V. SUM INSURED AND PREMIUM RATE

A.NON-COMMERCIAL COVER

Animal/ Age Upon Sum Insured and Premium Rate as Percentage (% ) of Deductible
Purpose Acceptance Sum Insured % of Sum
P7,000- P9,001- P11,001- P13,001- Insured
9,000 11,000 13,000 15,000
Cattle & 7mos.-5yrs. 5.00 5.50 6.00 6.50
Carabao 6 yrs. 5.25 5.75 6.25 6.75
Draft, 7 yrs. 5.50 6.00 6.50 7.00
Dairy, 8 yrs. 5.75 6.25 6.75 7.25
Breeder,
9 yrs. 6.00 6.50 7.00 7.50
Fattener
10 yrs. 6.25 6.75 7.25 N.I.
11 yrs. 6.50 7.00 N.I. N.I.
12 yrs. 6.75 N.I. N.I. N.I.
Horse P9,000 P9,001- P11,001- P13,001-
Draft/ or less 11,000 13,000 15,000
Working 3yrs.-5yrs. 5.00 5.50 6.00 6.50
6 yrs. 5.25 5.75 6.25 6.75
7 yrs. 5.50 6.00 6.50 7.00
8 yrs. 5.75 6.25 6.75 7.25
9 yrs. 6.00 6.50 7.00 N.I.
10 yrs. 6.25 6.75 N.I. N.I.
11 yrs. 6.50 N.I. N.I. N.I.
12 yrs. 6.75 N.I. N.I. N.I.
Swine See Sec. IV P3,000- P5,000- P7,001-
7,000 7,000 10,000
Fattener 0.50%/mo. 10 to 20
Breeder 3.00-6.00 4.00-8.00 10 to 20
Goat&Sheep See Sec. IV P1,000 P2,500 P6,000
Buck-Breeder 10 10 10 10 to 20
Doe- Breeder 10 10 N.I. 10 to 20
Fattener 10 N.I. N.I. 10 to 20

 

Notes:

1. For cattle, carabao, and horse: a. above premium rates are applicable for the first/initial coverage; b. For continued annual renewal of the policy (including those renewed within 30 days from date of expiry, up to the age of 12 years), the assured shall be entitled to the premium rate similar to that of the first/initial coverage, based on the age the animal was first insured; and c. However, if the renewal of the policy was beyond 30 days after the expiry of the policy, the premium rate to be applied shall be based on the age of the animal upon acceptance of the latest application. The coverage will then be treated as if accepted for the first time.

2.For swine -breeder: premium rates shall depend on: personnel handling and managing the animals including the presence of veterinary supervision or livestock inspector/technician, housing, animal husbandry practices, disease prevention and control program, and general health condition of the animals.

B. COMMERCIAL COVER

Animal Purpose Sum Insured (P) per Premium Rate as % of Deductible
Head/Batch- poultry Sum Insured (SI) % of SI
Cattle & Draft, Dairy, 10,000 to 15,000 5 to 7 10 to 30
Carabao Breeder, 15,001 to 20,000 6 to 8 10 to 30
Fattener 20,001 to 25,000 7 to 9 10 to 30
25,001 to 30,000 8 to 10 10 to 30
30,001 to 50,000 Above 10% or as agreed 10 to 30
Horse Draft
Swine Breeder 5,000 to 7,000 3 to 6 10 to 20
7,001 to 10,000 4 to 8 10 to 20
Fattener 3,000 to 7,000 0.50 per month 10 to 20
Goat & Breeder 20,000 12
Sheep Fattener 1,000 10
Poultry Broilers Prevailing market price or as 1.75
Chicken agreed upon
Chicken Pullets/ Prevailing market price or as 3.25 to 3.50 w/o cover for typhoon
Ducks Layers agreed upon & flood or 3.50 to 4.00 including
cover for typhoon & flood

Notes:

  1. The above premium rates are subject to change by the PCIC
  1. The sum insured and premium rate for commercial cover of horse will be supplied by PCIC.

VI. COVERED RISKS

Insurance Animal Covered Risks
Cover
Non-Commercial Cattle 1. Diseases like Liver fluke, Verminous Bronchitis,
Carabao all other parasitic diseases, Leptospirosis,
Horse Swine Enzootic Pneumonia, Colibacillosis,
Swine
Streptococcosis, Tetanus, Aflatoxicosis, Cancerous
Goat & Sheep
Diseases, Footrot, Rabies, Poisoning, Heat Stroke,
Heart Attack and all other diseases except those
appearing in the exclusions in the policy;
2. Accidental drowning, strangulation, snakebites
and  other events of accidental nature except
those caused by vehicular accidents;
3. Fire and/or lightning;
4. Dog bites (for goat and sheep only); and
5. Accidents arising from the transport of animals to
and from the farm and place of treatment.
Commercial Cattle 1. All diseases covered in Non-Commercial Cover;
Carabao 2. All accidents covered in Non-Commercial Cover
Horse except for fire and lightning; and
Swine
3. Accidents arising from the transport of animals to
Goat & Sheep
and from the farm and place of treatment.
Poultry Catastrophic losses arising from death of birds due to
accidents and/or diseases.
(for extended coverage, please see Sec. VIII, No. 6
below)
Special Cover Livestock Dispersal Same risks under non-commercial cover
Game fowls and Same risks under commercial cover
animals

Notes:

  1. Please see Section VIII for conditions for extended coverage.
  1. The parameters for special cover shall be defined/supplied by the PCIC RO.

VII. EXCLUDED RISKS – Commercial, Non-Commercial and Special Cover

  1. Destruction of the animals by administrative order of the government;
  1. Unskillful treatment by the animal raiser, his agent and employees, overloading, improper use, willful or malicious injury;
  2. Emergency slaughter/Government Slaughter Order;
  1. Pillage, strike, or other labor disputes, war, rebellion, insurrection and radioactive contamination;
  2. Disease/s or injuries already existing at the commencement of insurance or developing during the waiting period;
  3. Disappearance, theft, robbery, confiscation by order of the government;
  1. Earthquake, convulsions of nature, volcanic eruption, inundation, immolation, atmospheric disturbance, such as typhoon, hurricane, tornado & cyclone;
  2. Losses occurring prior to and after the effectivity period of insurance coverage;
  1. Losses due to mismanagement; and
  1. Other excluded risks:
Cattle & Carabao Anaplasmosis, Anthrax, Babesiosis, Blackleg, Hemorrhagic Septicemia,
Hoof and Mouth Disease, Johne’s Disease, Rinderpest, Leucosis, and
Tuberculosis
Horse African Horse Sickness, Infectious Anemia, Racing and/or Participation in
Tournaments/Sports and Scab
Swine Erysipelas, Hog Cholera, Hoof and Mouth Disease, Swine Plague, and
Salmonellosis
Poultry Avian or Bird Flu, Mycoplasma spp. Infection, and Salmonella

 

VIII. CONDITIONS FOR EXTENDED COVERAGE

Additional risks and certain excluded risks in the basic cover can be covered subject to the following conditions:

  1. All animals subject for coverage shall be personally inspected by the PCIC RO personnel
  2. All susceptible animals subject for coverage shall be vaccinated against epidemic diseases and a Veterinary Certificate to that effect shall be submitted to the PCIC RO.
  3. All losses caused by any epidemic disease, if covered, shall be indemnified at a maximum of sixty percent (60%) of the sum insured.
  1. There shall be an additional premium loading per disease for the following diseases:
Animal Type of Disease Additional Premium per
Disease as % of Sum Insured
Anaplasmosis 0.25
Anthrax 0.25
Babesiosis 0.25
Blackleg 0.25
Cattle & Carabao Contagious Bovine Pleuro-pneumonia 0.25
Johnne’s Disease 0.25
Hemorrhagic Septicemia 0.25
Hoof and Mouth Disease 0.25
Rinderpest 0.25
Tuberculosis 0.25
Erysipelas 0.25
Hog Cholera 0.50
Swine Hoof and Mouth Disease 0.25
Salmonellosis 0.25
Swine Plague 0.25
  1. For transport risk – the transport insurance cover is optional and can only be provided as an addition to the basic cover and limited only to inland transport at a rate of 0.75% to 1.50%, depending on physical distance, time and road conditions, excluding risks associated with hijacking and theft.
  1. The following are additional conditions for extended coverage for poultry (please see other applicable conditions above):
    1. Catastrophic losses arising from death of birds, pullets, or layers due to accidents and/or diseases at all times, including epidemics, can be covered, provided that proper vaccination program has been carried out and a Veterinary Certificate about such vaccination has been submitted.
  1. Losses due to epidemic diseases, such as: Avian Diptheria, Avian Malaria, Avian Leucosis Complex, Avian Infectious Bronchitis, Coccidiosis, Escherichia Coli, Infectious Coryza, Infectios Bursal Disease, Marek’s Disease, Newcasttle Disease (NCD) and Tuberculosis can be covered, provided the insured broilers, pullets, layers are properly inoculated and vaccinated at proper times and all necessary preventive measures taken into consideration.
  1. Losses due to fire, lightning, typhoon and flood under commercial cover of cattle, carabao & horse are excluded in the basic cover but can be covered under special arrangement subject to additional premium, as follows:
Animal RISKS/PERCENTAGE (%) OF SUM INSURED
Fire & Lightning Typhoon & Flood
Cattle & Carabao 0.50 0.50
Swine 0.50 0.50

IX. WAITING PERIOD

The waiting period is the time elapsed between effectivity of the coverage and the time of occurrence of the disease within which no insurance compensation shall be paid. The waiting period shall not apply to losses due to accidents and for renewed policies. In general, the waiting period is TWENTY ONE (21) calendar days except for the following diseases which is THREE (3) months:

Animal Diseases
Cattle, Carabao, Goat & Sheep Leucosis, Liverfluke, Rickets and Verminous Bronchitis
Swine Brucellosis, Leucosis, Rickets and Tuberculosis
Horse Equine Encephalomyelitis, Hydrocephalus Tuberculosis and Rickets

 

. APPLICATION PROCEDURE

The insurance client shall: a) submit filled out application form for PCIC Livestock Mortality Insurance, b) submit Veterinary Health Certificate as to the health of the animal, if required, and c) pay the corresponding premium and other charges, i.e., premium tax, cost of documentary stamps, etc. .

  1. ISSUANCE OF THE POLICY

For insurance business solicited/underwritten by the Insurance Underwriter (IU), Official Receipt shall be issued to the client by the IU upon receipt of insurance premium and other charges. Copy of Insurance Policy/Contract shall be immediately released by the RO to the client upon remittance of the premium and other charges by the IU to the RO Cashier.

XII. CLAIM FOR INDEMNITY PROCEDURE

  1. In case of death of the insured animal, the assured shall immediately send a pro-forma Notice of Loss (NL) to the PCIC RO within TEN (10) calendar days from the death of the insured animal. The NL can be in the form of telegram, fax, e-mail or any other form of written statement containing the name of the assured, address, policy no., livestock insured, cause of death, and date of the occurrence of death.

For purposes of reckoning the ten-day period, the official date of filing shall be:

  1. Date of mailing postmarked on the envelope, b) Date of transmission, if sent by telegram, fax or e-mail or c) Date of receipt by the PCIC RO, if by personal delivery
  1. Within THIRTY (30) calendar days from the death of the insured animal, the assured shall submit to the PCIC RO the following documents:
    1. Claim for Indemnity/Loss Report – this serves as the formal claim, if duly signed and accomplished by the assured; b) Veterinary Disease Report- duly accomplished and signed by the authorized veterinarian or LGU Livestock Inspector/Technician;
    2. Original Copy of the Certificate of Ownership/Transfer of Large Cattle or Certified machine copy of Memorandum Receipt for government dispersed animals;
    3. Livestock Death Certificate; e) Necropsy/Laboratory reports, if performed;
  1. Photographs of the dead animal/s showing clearly the identifying marks (eartags, earnotch, brand or tattoo); and g) Other documents as may be required by the PCIC such as affidavit of two disinterested parties.

For poultry, the following shall be submitted to the PCIC RO:

  1. a) Weekly Loss Report; b) Veterinary Report accomplished by his duly authorized veterinarian; c) Farm Management Chart or Daily Mortality Chart;
  1. d) Photographs of dead birds; and e) Pertinent proof of proceeds.

XIII. PERCENTAGE LOSS ASSESSMENT

Insurance Cover Animal-Purpose Percentage (% ) Loss Assessment/Remarks
Cattle, Carabao, Swine- 100% of sum insured, less applicable deductible and
breeder, salvage value
Goat & Sheep-breeder
Non-Commercial Swine-fattener 100% of the value of animal at the time of loss, based
on the table of assessment less applicable deductible
and salvage value
Goat & Sheep-fattener 90% of the value of the animal at the time of loss, less
applicable deductible and salvage value
Cattle, Carabao, , Maximum of 100% of sum insured less applicable
Swine, Goat & Sheep deductible and salvage value
Horse 80% of the actual cash value of the insured animal
at the time of loss but not to exceed 80% of the sum
Commercial insured
Poultry Indemnity shall be based on the remaining loss after
deduction of the policy deductible
All animals Deductible shall be reckoned on a per farm per event
basis on varying percentages depending on type of
animal and cause/nature of loss

XIV. PAYMENT OF CLAIM

The claim shall be settled expeditiously not later than forty-five (45) calendar days from receipt of complete claim documents.

  1. FINALITY OF PCIC DECISION ON CLAIMS

Unless proven otherwise, PCIC decision on claim settlement is final and unappealable sixty (60) calendar days after the release of indemnity payment or transmittal of the notice of disapproval.

 

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