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PUNJAB
LIVESTOCK DEVELOPMENT BOARD
O/o
Directorate of Animal Husbandry, Punjab
17-bays Building, Sector-17, Chandigarh-160017(India)
E-Mail
pldb_chd@yahoo.co.in
Telefax:0172-2701832
SHORT TERM TENDER NOTICE
NO.2/2010-11/PLDB
1. Sealed tenders
are invited from General Insurance Companies for the insurance of
cows and buffaloes in the State of
Punjab.
The companies are requested to quote minimum rates of premium for
insurance under above said scheme for one year and three year
separately. The companies will be bound to follow the subsequent
instruction issued by the Government of India under this scheme.
These tender will be received by the Chief Executive Officer,
Punjab
Livestock
Development Board, Chandigarh up to 06.09.2010 till 2.30 p.m.
and will be opened at 3.00 p.m. on the same date in the presence of
the tenderers or their representatives.
2. Tender forms
and guidelines issued by Government of India for Livestock Insurance
Scheme can be obtained from this office on payment of Rs. 100/- or
can be downloaded from the website
www.husbandrypunjab.org
for which Rs. 100/-(Tender form Payment) can be submitted in
the shape of bank draft in the name of Punjab Livestock Development
Board, payable at
Chandigarh
along with
tender. Incomplete, conditional tenders shall be out rightly
rejected. The under signed reserves the right to reject any or all
the tenders.
3. The tender
must be accompanied with earnest money Rs. 20,000/- in the shape of
Demand Draft in the name of Punjab Livestock Development Board,
Chandigarh.
4. Up to 1.5 lac
animal can be insured under this scheme during the financial year
2010-11.
5. Identification
of animal may be done either by Ear Tag/Microchip at the discretion
of insurance company and rate should be quoted including Ear Tag/
Microchip.
6. Undersigned
may allot work to more than one insurance company in any district
or part of district. Insurance companies may go in for Digital
Photography at their own cost.
Chief Executive
Officer
Sr. No.
Price Rs.100/-
INSTRUCTIONS TO TENDERERS
1. Quotations must be enclosed in a
properly sealed envelope addressed to the Chief Executive Officer,
Punjab Livestock Development Board, c./o Director,Animal Husbandry,
Punjab, Chandigarh by designation and not by name. The quotations
must be superscribed “ Quotation for the Insurance of Cow and
Buffaloes during the year 2010-2011 as called for in
tender notice, dated 21.08.2010” . The quotations must reach
the Chief Executive Officer, PLDB, c/o Director , Animal Husbandry,
Punjab, before 2.30 PM on the date mentioned in the tender
notice.
2. In the event of the quotations, being
submitted by a firm it must be signed separately by each member
thereof, or in the event of the absence of any partner it must be
signed on his behalf by a person holding a power of attorney
authorizing him to do so or in the case of a company the quotations
should be executed in the manner laid down in the said company’s
articles of Association. The signatures on the quotations should be
deemed to be authorized signatures.
3. All the columns of the quotations form
shall be duly , properly and exhaustively filled in. The rates and
units shall not be overwritten. Quotations shall always be both in
the figures and words. The words “ No quotations” should be written
across any or all of the items in the Schedule for which a tenderer
does not wish to tender.
4. Any omission in filling the columns of
“ Units” and “rates” shall altogether debar a quotation form being
considered.
5. All corrections must be signed by the
tenderers.
6. Samples must be sent of all items
quoted for each when application or description are laid down. Such
samples must be sent fright paid or delivered free to the Chief
Executive Officer, Punjab Livestock Development Board, Chandigarh.
Each sample should bear a sealed label marked with the tenderer name
and address and reference to the item number in the schedule. All
instructions regarding the sample specified in the notice should be
compiled with. All samples except those against accepted quotations
must be removed by the Supplier on a date to be specified by the
Chief Executive Officer, Punjab Livestock Development Board,
Chandigarh failing which the samples will become the property of
PLDB and no claim, therefore will be considered .Loss of samples or
damage or wear and tear or injury by testing exposure experiment
etc shall be no ground for compensations in any form.
7. A sum of (INR) Rs……………………………./
must be deposited as earnest money in Bank pledged to the Chief
Executive Officer, Punjab Livestock Development Board, Chandigarh
and the receipt must accompany the tender form without which it will
not be considered. The said amount will be regarded as forfeitable
to PLDB, if any successful tenderer fails within the time fixed by
the Chief Executive Officer,Punjab Livestock Development
Board,Chandigarh either to sign the contract or terms contained in
the invitation for tender, its tender form and quotation form and
condition of contract referred to in the invitation of tenders, or
to pay the additional security referred to in the next clauses
below:-
1.National Saving Certificate.
2.Postal Saving Bank’s Pass Book.
3.State Bank’s Call Deposit Receipt or Fixed
Deposits
4.Deposit receipts mentioned in item no. 3
tendered by any Schedule bank are also accepted provided these are
countersigned by the State Bank of India, whereby the State Bank of
India undertakes full responsibility to indemnify this department,
in case of default. The above deposits can also be accepted if these
are countersigned by the Reserve Bank of India against requisite
security furnished by the Scheduled Bank concerned to the reserve
bank of India and the reserve Bank of India advises this department
that the Deposit Receipt may be accepted.
8. The
successful tenders may be required to deposit in addition as
security for the due performance of the contract an amount equal to
5 percent of the approximate value of the estimated supply.
9. The Chief Executive Officer, Punjab
Livestock Development Board, Chandigarh will have the right of
rejection all or any of the quotations, without assigning reasons.
10. No tender will be considered unless and
until all the documents are properly signed.
11. The quotations will be regarded as
constituting an offer or offers open to acceptance on whole or in
part or parts at the discretion of Chief Executive Officer,Punjab
Livestock Development Board,Chandigarh, until the ……………
12. In the event of tender being accepted the
quotations will be converted into a contract which will be governed
by the conditions in pages 1 to 4 read with these instructions.
Read and accepted
Signatures of the Tenderers
I/We hereby quote to supply the goods
material specified in the under-written schedule in the manner in
which and within the time specified as set forth in the conditions
of contract as pages 1 to 4 at the rates given in the schedule
below. The conditions on pages 1 to 4 will be binding upon me/us in
the event of the acceptance of my /our tender.
I/We herewith enclose deposit receipt for a
sum of Rs…………………as security money and should I/We fail to execute an
agreement embodying the said conditions and deposit security as laid
down in the form within 10days of the acceptance of my/or tender.
I/We hereby agree that the above sum of security money shall be
forfeited to the Chief Executive Officer, Punjab Livestock
Development Board,Chandigarh.
SCHEDULE “B”
Conditions of Contract
This contract is to last from
…………………to………………..but in the event of any breach of the agreement at
any time on the part of the Contractor, the Contract may be
terminated summarily by the Chief Executive Officer,Punjab Livestock
Development Board, Chandigarh without compensation to the
Contractor.
Any change in the
constitution of the firm shall be notified forth-with by the
contractor in writing to the authority sanctioning the contract and
such changes shall not relieve any former member of the firm from
any liability under the contract.
No new partner/partners
shall be accepted into the firm by the contractor in respect of this
contract unless he/they agree to abide by all its items, conditions
and deposit with the officer sanctioning the contract a written
agreement to receipt or acknowledgement or that of any partner
subsequently this effect. The contractors/accepted as above shall
bind all of them and will be as sufficient discharge for any of the
purposes of the contract.
2. The contractor will
supply nothing but genuine articles e.g…………….described in column 2
of schedule A from time to time in such quantities as may be entered
in the indents sent at the rates set forth in column 3 of schedule A
for use in offices/institutions/departments under the Administrative
control of Government of the Punjab, as may be required by the
indenting officers. Mentioned in schedule C hereto annexed on behalf
of the Government requisition from officers, not mentioned in
schedule C hereto annexed should before compliance be sent in
original to the Chief Executive Officer,Punjab Livestock Development
Board, Chandigarh for instructions and the officer concerned advised
accordingly. No guarantees can be given as to the quantity which
will be ordered during this period. But the purchaser undertakes to
order from the contractor all stores as detailed in the schedule A
which he requires to purchase except that he reserves to himself the
right of placing the contract with one or more contractors as he may
think fit and in consideration of this undertaking by Chief
Executive Officer, Punjab Livestock Development Board, Chandigarh
the contractor binds himself not to revoke this contract during the
said period. The quantities of stores given in the tender are
approximate only.
3. The articles to
be supplied under this contract will be of the quality equal and
answerable in every respect to the specifications given in the list
accompanying with the tender and approved by the Chief Executive
Officer, Punjab Livestock Development Board,Chandigarh. The
contractor shall be responsible for all complaints as regard the
quality. In case of dispute regarding quality of articles the
decision of the Chief Executive Officer, Punjab Livestock
Development Board, Chandigarh will be final and binding on the
Contractor. It will be open to the CEO,PLDB to send samples
submitted by the Tenderer/contractor to any laboratory for chemical
analysis and the cost thereof will be borne by the tenderes/contractor.
4. The Chief Executive
Officer, Punjab Livestock Development Board,Chandigarh may by notice
in writing call upon the Contractor to supply additional articles
to serve as sample and upon such notice in writing the Contractor
shall at his own cost be bound to supply samples. Such additional
samples being in all respect of the same quality as the sample
supplied first.
5. The contractor will
be responsible for damage or loss in transit and replace good broken
or lost within 10 days from the date of notice thereof.
6. Unless when
specially ordered otherwise in the order accompanying the indent all
goods must be despatched within 14 days of the receipt of indent by
the Contractor.
7. Conditions as to time for
performance whether laid down herein or in any indent shall be
always regarded as the essence of the contract.
8. The panel of officers appointed by
the Chief Executive Officer,Punjab Livestock Development
Board,Chandigarh shall have the power to inspect the stores before,
during or after manufacture ,collection, despatch, transit or
arrival and to reject the same or any part or portion after the
written approval of Chief Executive Officer,Punjab Livestock
Development Board, Chandigarh, if he or they be not satisfied that
the same is equal or according to the sample submitted by the
Contractor. The Contractor shall not charge or be paid for supplies
rejected as above and such supplies shall be removed by the
Contractor at once and at his expense. He shall neither claim nor be
entitled to payment for any damage that rejected supplies may suffer
from any harm whatsoever incidental to a full and proper examination
and any test of such supplies. Board shall be under no liability
whatever for rejected supplies and the same will be at the
Contractor’s risk. Rejected supplies shall be removed by the
Contractor within 10 days after notice has been issued to him of
such rejection and failing such removed/ rejected goods will be at
Contractor’s risk and PLDB may charge the Contractor rent for the
space occupied by such rejected goods.
9. The contractor shall provide without
any extra charge all materials, tools, labour and assistance of
every kind which the aforesaid officer may consider necessary for
any test or examination which may be required to be made on the
contractor’s premises and shall pay all cost thereon. In the case of
stores inspected at maker’s premises, the maker shall provide all
facilities including testing appliances, for making necessary test
other than special test or independent test. Failing the facilities
at his own premises for making these tests, the contractor shall
bear the cost of carrying out tests elsewhere. The contractor shall
also provide and deliver free of charge at such place as the
aforesaid officer may direct such materials as he may require for
tests by chemical analysis or independent testing machine. If, for
the purpose of determining the quality of stores the aforesaid
officer finds it necessary to have the stores tested at the test
house or laboratory, expenses incidental to the test shall be borne
by the contractor. On the failure of the contractor to pay the
expenses within ten days of the receipt of intimation in this
behalf from the Inspecting Officer, shall have the right to deduct
the amount from the security deposited by the contractor and if the
amount so deducted is not deposited within 10 days, the Chief
Executive Officer, Punjab livestock Development Board, Chandigarh
may treat the default as a breach of the agreement and proceed under
clause (I) of the agreement without further notice. Further the
aforesaid officer shall have the right to put all articles of
materials to such tests as he may think proper for the purpose of
ascertaining whether the same or in accordance with the
specifications or sealed sample mentioned in the tender and to cut
on out off/or destroy a portion not exceeding 2 percent from each
delivery for such purpose the quantity so cut out or off and/or
destroyed as aforesaid shall be replaced by the contractor free of
charge.
10.Packing cases containers, gunny
packages, etc. which may be used for purposes of packing and which
are delivered with stores will not be returned and paid for unless
specially stipulated and then at contractor’s expenses.
11.Unless otherwise specified in a requisition
bills, for the whole of the goods referred to in each indent in
triplicate, will be prepared and submitted by the contractor to the
consignee for direct payment under intimation to the Chief Executive
Officer, Punjab Livestock Development Board, Chandigarh. The
balance full amount as the case may be, will be paid on receipt of
stores in good condition after their verification as regards
specification etc.
Should the payment of any
bill be not made within three months from the date of its
submission, the party to whom the bill was forwarded should be
addressed first. Failing satisfaction, the matter should be
reported to the Chief Executive Officer, Punjab Livestock
Development Board, Chandigarh. All such complaints should give :-
i)
The number and
date of the requisition.
ii)
The designation
of the requisition officer.
iii)
The designation
and address of the officer to whom the bill was sent by mentioned in
(iv) above.
iv)
Full reference
to reminders if issued.
12. (i) With every despatch of
goods of material under this contract invoices, in triplicate, will
be prepared by the Contractor. Invoices, in duplicate, are to be
sent by the contractor to the Indenting Officer the duplicate to be
returned by Indenting Officer with the quantities or number received
duly noted thereon and the third copy to be sent by the Contractor
to the Chief Executive Officer, Punjab Livestock Development Board,
Chandigarh of record in his office.
(ii) Railways Receipt will be
forwarded to the consignee immediately after despatch of stores,
Should any demurrage charges be incurred owing to delay on the part
of the contractor in forwarding the railway receipt the amount of
such charges will be deducted from the bill.
(iii) The Contractor shall despatch
material ‘Freight paid’ in all cases where there is for
destination. In the event of their failure to do so a penalty of 5
percent will be charged on the amount paid as freight by Indenting
Officer on their behalf.
(iv)
The Contractor will send to the Chief Executive Officer, Punjab
Livestock Development Board, Chandigarh. Quarterly statement of
the goods supplied under this arrangement in the following form :
|
Name of Office |
Indent No. |
Name of articles |
Quantity of No. supplied and to whom supplied and
where |
Value of supplies |
Remarks |
|
1 |
2 |
3 |
4 |
5 |
6 |
(v)
All despatches by the rail will be made at railway risk at the
expenses of the Indentor (except by firm who have quoted rates F.O.R.
any place in the Punjab) unless the Indentor give instructions to
despatch at onwer’s risk in which case all responsibility for loss
in transit will be with the Indentor.
This is subject to the
condition that the material are surely packed by the suppliers in
sound containers and the consignment is accepted by the carriers
without any adverse remarks as to the packing or the conditions of
the containers. In case of any adverse remarks, the responsibility
with the losses in transit will rest with the suppliers.
Subject to those conditions the contractor will be
entitled to change or by paid for supplies broken. Lost or damaged
in transit.The Chief Executive Officer, Punjab Livestock Development
Board, Chandigarh will be the authority to determine whether or not
the breakage, loss or damage was caused through the contractors
negligence and the decision of the Chief Executive Officer, Punjab
Livestock Development Board, Chandigarh or some other
officer/acting in his behalf shall be a final and conclusive against
the contract. Such rejected supplied shall be the contractor at his
on expenses.
(vi) If during the
currency of the contract the specification of article or articles to
be supplied there under be changed the contractor shall continue to
comply with demands for the supply of the said articles in
accordance with the new specification at a rate to be mutually
agreed to in writing at the time of such change and in default of
such agreement the contract in so far as it relates to the said
article or articles under respect of which no agreement has been
arrived at, shall terminate but no such change shall affect the
supply of any other articles under the contract or entitle the
contractor to any compensations.
13. In the event of withdrawal or
discontinuance of any articles or articles and consequent ceasing of
or reduction in demand the contractor shall not be entitled to any
compensation. Government will, however make all reasonable
endeavors to give warning of any impending complete withdrawal or of
any reduction seriously affecting quantities likely to be required
under contract.
14. TO BE SUBMITTED BY EXISTING
CLAUSE 14.
The time for and date of
delivery or despatch stipulated in a supply order shall be deemed to
be the essence of the contract and should the contractor fail to
deliver on despatch any consignment within the period prescribed or
such delivery or despatch, stipulated in the supply order, the
delayed consignment will be subject to 2 percent penalty per
consignment per month recoverable on the value of the stores
supplied. In case of non payment by the Contractor recovery will be
made from his bill or amount or earnest money or security deposited
with the Chief Executive Officer, Punjab Livestock Development
Board, Chandigarh provided also that:-
a) No recovery of penalty will be
made if the delayed supplies are accepted by extending the delivery
period either by the Chief Executive Officer, Punjab Livestock
Development Board, Chandigarh.
b) On the failure of the supplier to
make supply within the extended period on receipt of such
information in the office of the Chief Executive Officer, Punjab
Livestock Development Board, Chandigarh , risk purchase at the cost
of supplier will be made by the Chief Executive Officer, Punjab
Livestock Development Board, Chandigarh . The differences of excess
cost thus incurred will be recovered from the supplier in a suitable
manner and even from his pending bills, earnest money or security
whichever is available This procedure will be adopted after sending
registered notice to the supplier to supply store within 15 days.
15.The contractor acknowledge that he has made
himself fully acquainted with all the conditions and circumstances
under which the supplier required under the contract will have to be
made or furnish and with all the terms, clauses, conditions,
specifications and other details of the contract and the contractor
shall not plead ignorance of any of those as excuse in case of
complaint against or on rejection of supplies tendered by him or
with a view either to asking for enhancement of any rates agreed to
in the contract or to evading any of his obligations under the
contract.
16. No payment will be made in
advance for any supplies under this contract.
17. i)The contractor shall not :-
a) assign or sublet the contract without
written approval of the officer sanctioning the contract.
b) Disclose details of the conditions
governing this contract to unauthorized persons (Indenting against
this contract is permissible only for the bonafide use of Govt.
departments and quasi public and not for private parties or for the
private use of the Government Officer.
(ii) In the event of the
Contractor failing duly and properly to fulfil or committing breach
of any of the terms and conditions of this contract or repeatedly
supplying goods liable to rejection hereunder or failing, declining
neglecting or delaying to comply with any demand i.e. requisition or
otherwise not executing the same in accordance with the terms of the
contract or if the contractor or his agents or servants being guilty
of fraud in respect of the contract or any other contract entered
into by the Contractor of any of his partners or representatives
there of with PLDB directing, giving promising or offering any
bribes, gratuity, gift, loan, perquisite reward or advantage
pecuniary or otherwise to any person in the employment of
Government in any way relating to such officer or person or persons
office of employment or if the contractor or any of his partners
become insolvent or apply for relief as insolvent debtor or commence
any insolvency proceeding or make any compositions with his/her
creditors or attempts to do so then without prejudice to PLDB rights
and remodels otherwise PLDB shall be entitled to terminate this
contract forth with and to blacklist the contractor and purchase or
procure or arrange from Governments stock or otherwise at the
contractors risk and at the absolute discretion of the Chief
Executive Officer, Punjab Livestock Development Board, Chandigarh.
The manner, place or
time of such purchases, such supplies as have not been supplied or
have been rejected under this agreement or are required subsequently
by Government there under and in cases where issues in replacement
are made from Government’s stocks or supplies the cost and of value
of such stocks supplies together with all incidental charges of
expenses shall be recoverable from the contractor on demand and the
contractor shall not be entitled to benefit from any profit which
may thus accrue to Government.
The termination of this
contract in whole or part under these conditions shall not be
affected by the acceptance, meanwhile or subsequently, supplies of
accepted or made at any station whether in ignorance of the
termination or otherwise.
18. If any question,
difference or objection what so ever shall arise in any way
connected with or arising out of this instrument or the meaning or
operation of any part thereof or the rights, duties or liabilities
of either party then save in so far as the decision of any such
matter is herein before provided for and has been so decided every
such matter including whether its decision has been otherwise
provided for and/or whether it has finally decided accordingly or
whether the contract should be terminated or has been rightly
termination in whole or part and as regards the rights and
obligations of the parties as the result of such termination shall
be referred for arbitration to any officer appointed by the Punjab
Government acting as such at the time of reference and his decision
shall be final and binding and where the matter involves and a claim
the amount if any awarded in such arbitration shall be recoverable
in respect of the matter so referred.
19. If the price of a
contracted articles is controlled by the Government, the payment
will in no case be made at higher rate than the contracted rate.
In witness thereof the parties have
unto set their hands on the dates indicated below :
1. ( In the case of a firm)
Signed by
the above named firm of ………………………………………………………..
Through…………………………………………………partner of the firm.
Date
_________
Signature
2. (In the case of company )
The seal of the………………………………company
Ltd., was affixed by virtue of the resolution of the Board
No.__________ dated________ the _____ day of _______ 2008
Seal
Signature
1.
(In either
case)
In the presence of
(i) Signature
Address
Description
(ii) Signature
Address
Description
Signed by…………………………….
Date
Signature of…………
On
behalf of the Governor of Punjab(India)
REGULAR FORM OF SECURITY DEPOSITS PLEDGED TO
THE CHIEF EXECUTIVE OFFICER, PUNJAB LIVESTOCK DEVELOPMENT BOARD C/O
DIRECTOR, ANIMAL HUSBANDRY, PUNJAB, CHANDIGARH.
1. National Saving
Certificates.
2. Postal Saving Bank’s Pass
Book.
3. State Bank’s Call Deposit
receipt or fixed Deposit receipt.
4. Deposits receipts mentioned in
item No.3 tendered by any scheduled bank are also accepted provided
that these are countersigned by the National Bank of India, whereby
the State Bank of India undertakes full responsibility to this
department, in case of default. The above deposit can also be
accepted if these are countersigned by the Reserve Bank of India
against requisite security furnished by the scheduled bank concerned
to the Reserve Bank of India and the Reserve Bank of India advises
this department that the deposit receipt may be accepted.
The contractor/seller hereby declare
that the goods/stores articles sold to the buyer under this contract
shall be of the best quality and workmanship shall be strictly in
accordance with the specification and particular contained mentioned
in the clause ______ hereof and the contractor/seller hereby
guarantees that the said goods/stocks/articles would continue to
conform to the description and quality aforesaid for a period of
______ days/months from the date of delivery of the said
goods/stores/articles to the purchaser and that not withstanding the
fact that the purchaser (Inspector) may have inspected and/or
approved the goods/stores/articles if during the aforesaid period of
_______days/months the said goods/stores/articles be discovered not
to conform to the description and quality aforesaid or have
deteriorated and the decision of the purchase in that behalf will be
final and conclusive) the purchaser will be entitled to reject the
said good/stores/articles or such portion thereof as may be
discovered not to confirm to the said description and quality. On
such rejection the goods/articles/stores will be at the seller’s
risk and all the provisions herein contained relating to rejection
of goods etc. shall apply. The contractor/seller shall if so call
upon to do, replace the goods etc. or such position thereof as
rejected by the purchaser such damages as may rise by reason of the
breach of the condition herein contained. Nothing herein contained
shall prejudice any other right of the purchaser in that behalf
under this contract otherwise.
Guidelines for Implementation of
Livestock Insurance Scheme
GOVERNMENT OF INDIA
MINISTRY OF AGRICULTURE
DEPARTMENT OF ANIMAL HUSBANDRY,
DAIRYING & FISHERIES
Livestock Insurance Scheme
The Livestock Insurance
Scheme, a centrally sponsored scheme, which was implemented on a
pilot basis during 2005-06 and 2006-07 of the 10th Five
Year Plan and 2007-08 of the 11th Five Year Plan in 100
selected districts. The scheme is being implemented on a regular
basis from 2008-09 in 100 newly selected districts of the country.
Under the scheme, the crossbred and high yielding cattle and
buffaloes are being insured at maximum of their current market
price. The premium of the insurance is subsidized to the tune of
50%. The entire cost of the subsidy is being borne by the Central
Government. The benefit of subsidy is being provided to a maximum of
2 animals per beneficiary for a policy of maximum of three years.
The scheme is being implemented in all states except Goa through the
State Livestock Development Boards of respective states. The scheme
is proposed to be extended to 100 old districts covered during pilot
period and more species of livestock including indigenous cattle,
yak & mithun.
The Livestock
Insurance Scheme has been formulated with the twin objective of
providing protection mechanism to the farmers and cattle rearers
against any eventual loss of their animals due to death and to
demonstrate the benefit of the insurance of livestock to the people
and popularize it with the ultimate goal of attaining qualitative
improvement in livestock and their products.
Guidelines
for Implementation of Livestock Insurance Scheme
Livestock Sector is an important
sector of national, especially rural economy. The supplemental
income derived from rearing of livestock is a great source of
support to the farmers facing uncertainties of crop production,
apart from providing sustenance to poor and landless farmers.
2. For promotion of the
livestock sector, it has been felt that along with providing more
effective steps for disease control and improvement of genetic
quality of animals, a mechanism of assured protection to the farmers
and cattle rearers needs to be devised against eventual losses of
such animals. In this direction, the Government approved a new
centrally sponsored scheme on Livestock Insurance which was
implemented on pilot basis during the 10th Plan. From
2008-09 onwards, the scheme is being implemented as a regular scheme
in the100 newly selected districts till the end of 11th
Five Year Plan i.e. 2011-12. The broad guidelines,
subject to the plausible discretion of
the Chief Executive Officers,
to be followed by the
States for implementing the scheme are detailed below:
Implementing Agency
3. Department of Animal
Husbandry, Dairying & Fisheries is implementing the Centrally
Sponsored Scheme of ‘National Project for Cattle and Buffalo
Breeding (NPCBB) with the objective of bringing about genetic
up-gradation of cattle and buffaloes by artificial insemination as
well as acquisition of proven indigenous animals. NPCBB is
implemented through State Implementing Agencies (SIAs) like State
Livestock Development Boards. In order to bring about synergy
between NPCBB and Livestock Insurance, the latter scheme will also
be implemented through the SIAs. Almost all the states have opted
for NPCBB. In states which are not implementing NPCBB or where
there are no SIAs, the livestock insurance scheme will be
implemented through the State Animal Husbandry Departments.
Executive Authority
4. The Chief Executive
Officer of the State Livestock Development Board will also be the
executive authority for this scheme. In those states where no such
Boards are in place, the Director, Department of Animal Husbandry
will be the Executive Authority of the scheme. The CEO will have to
get the scheme implemented in various districts through the senior
most officer of the Animal Husbandry Department in the district; the
necessary instructions for this purpose will have to be issued by
the State Government. The Central funds for premium subsidy,
payment of honorarium to the Veterinary Practitioners, awareness
creation through Panchayats etc. will be placed with the S.I.A. As
Executive Authority of the scheme, the Chief Executive Officers will
be responsible for execution, and monitoring of the scheme. The
main functions of the CEO will be:
(i)
Managing the Central funds carefully
and in accordance with instructions issued by the Department of
Animal Husbandry, Dairying and Fisheries, Government of India.
(ii)
Calling quotations from the insurance
companies for implementing the scheme, carrying out negotiations
with them and selecting suitable company (companies).
(iii)
Signing the contract with the selected
insurance company/companies.
(iv)
Payment of subsidy premium to the
Insurance Company (including advance, if any and its subsequent
adjustment).
(v)
Preparing district wise list of
veterinary practitioners (Government /Private) and providing the
same to the insurance company and also to concerned Panchayati Raj
bodies.
(vi)
Creating awareness among the general
public as well as the officials whose services may be required for
implementation of the scheme;
(vii)
Carrying out field inspections and also
facilitating field inspections by Central teams;
(viii)
Release of funds to the District
Officers in charge of the Department of Animal Husbandry for payment
of honorarium to the Veterinary Practitioners.
(ix)
Regular monitoring and preparation of
reports for submission to the Central/State Governments.
(x)
Such other functions necessarily
required for efficient implementation of the scheme.
The Principal Secretary/Secretary
in-charge Animal Husbandry of the State Governments/Director of
State Animal Husbandry
Department
will ensure
availability of sufficient infrastructure in terms of manpower and
other logistic support to the CEO/District level officer, needed for
effective implementation of the scheme. (The exact name,
designation, address of CEO/District Officer in-charge for Insurance
work will be made available to Central Government and same will be
prominently displayed on important places within the district and
especially in the rural areas of the district. Any change in the
name and designation of CEO will also be properly communicated to
all concerned.) For effective implementation and monitoring of the
scheme, if states feel necessity, a district committee could be
formed suitably involving the officers/organizations having interest
in the field of Animal Husbandry. The Dairy Cooperative Societies,
if interested, could also be involved and given responsibility of
implementing the scheme wherever possible.
Districts in which the scheme will
be implemented
5. The scheme is to be
implemented on regular basis in 100 newly selected districts of the
country. The scheme will be restricted to crossbred and high
yielding cattle and buffaloes only. The list of districts selected
for this purpose is given in Annexure-I. The scheme is to be
implemented in these districts only.
Selection of Insurance Companies
6. In order to get the
maximum benefit in terms of competitive premium rates, easier
procedures of issue of policy and settlement of claims, Chief
Executive Officer will be empowered to decide upon the Insurance
company(s) and the terms and conditions. While selecting Insurance
Company, besides premium rates offered, their capacity to provide
services, terms and conditions and service efficiency should also be
taken in to account. The CEO will invite quotations in writing from
those public and private general insurance companies having a fairly
wide network in the state or a considerable part of the state. The
CEO should select the Insurance Company/Companies after negotiating
with the insurance companies for successful and efficient
implementation of the scheme and popularizing the scheme amongst the
livestock owners. If any Insurance Company is offering cover for
any type of disability in addition to death of the insured animal,
such offer could be considered, however, no subsidy in the premium
for such additional risk coverage will be provided. The entire cost
of premium on account of the risk coverage other than death of the
animal has to be borne by the beneficiaries. As mentioned above,
the CEO has to ensure that the premium rate agreed to is
competitive. Under no circumstances, the rate of premium should
exceed 4.5% for annual policies and 12% for three year policies.
Normally, a single insurance company should be entrusted for
insurance with the work in a district. However, for the purposes of
encouraging competition and popularizing the scheme more than one
insurance company may be allowed to operate in a district, if other
terms and conditions are remaining same. Default in settlement of
claim or any types of deficiency in services on part of Insurance
Companies could be brought to the notice of the Insurance Regulatory
and Development Authority which is a nodal authority in the country
in this regard.
Involvement of Veterinary
practitioners
7. The active involvement
of the veterinary practitioners at the village level is required for
the successful implementation of the scheme. They are to be
associated with the work of identification and examination of the
animals to be covered under the scheme, determination of their
market price, tagging of the insured animals and finally issuing
veterinary certificates as and when a claim is made. Besides, being
in touch with the farmers and cattle-rearers, they may also help in
promoting and popularizing the scheme. As far as possible, only the
veterinary practitioners working with the state government may be
involved. Private veterinary practitioners who are registered with
Veterinary Council of India may be involved only if Government
veterinary practitioners are not available. A list of such
veterinary practitioners will be prepared for every district by the
district officer of the Department of Animal Husbandry. The list of
veterinary practitioners will be made available with the insurance
company selected for the district as well as to the concerned
Panchayati Raj bodies.
Commencement of Insurance policy
cover and adjustment of premium subsidy
8. In order to generate
confidence among the cattle owners about the efficacy of the scheme,
it is important that the policy cover should take effect once the
basic formalities like identification of animal, its examination by
the veterinary practitioner, assessment of its value and its tagging
along with payment of 50% of the premium to the insurance company or
its agent by the cattle owner. The selected insurance company will
have to agree to this. However, it is possible that the insurance
company may point out a provision in the Insurance Act that
insurance cover can take effect only after the whole premium is paid
in advance. In order to take care of this problem, there could be
an arrangement by which certain amount is paid in advance to the
insurance company directly by the CEO. This amount should not
exceed 50% of the premium of the number of animals expected to be
insured in a period of 3 months. The insurance company, on its
part, should issue instructions to their branches that as and when
50% of the premium is paid by the cattle owner, they should issue
the policy by suitably adjusting the balance 50% from this advance.
The insurance company should prepare monthly statements of the
policies issued indicating the assessed value of each animal and the
Government share for each district duly countersigned by the
district officer of the Animal Husbandry Department and submit to
the CEO so that, that much amount can be recouped to the insurance
company by the CEO. Target of getting the number of animals insured
in a three months period for payment of advance to the Insurance
Company should be on realistic basis and recouping of the advance
fund should be on the basis of subsequent progress made by the
concerned insurance Company.
Animals to be covered under the
scheme and selection of beneficiaries
9. All those female
cattle/ buffalo yielding at least 1500 litre of milk per lactation
are to be considered high yielding and hence can be insured under
the scheme for maximum of their current market value. Animals
covered under any other insurance scheme/plan scheme will not be
covered under this scheme. Benefit of subsidy is to be restricted to
two animals per beneficiary and is to be given for one time
insurance of an animal up to a maximum period of three years. The
farmers will have to be encouraged to go for a three-year policy
which is likely to be more economical and useful for getting the
real benefit of insurance on occurrence of natural calamities like
flood and drought etc. However, if a livestock owner prefers to have
an insurance policy for less than three years period for valid
reasons, benefit of the subsidy under the scheme would be available
to them also, with the restriction that no subsidy would be
available for further extension of the policy. Field performance
recorders of the NPCBB could also be involved for identification of
beneficiaries. The Gram Panchayats will assist the Insurance
Companies in identifying the beneficiaries.
Determination of market price of
the animal
10. An animal will be
insured for the maximum of its current market price. The market
price of the animal to be insured will be assessed jointly by the
beneficiary, authorized veterinary practitioner and the insurance
agent.
Identification of insured animal
11. The animal insured will
have to be properly and uniquely identified at the time of insurance
claim. The ear tagging should, therefore, be fool proof as far as
possible. The traditional method of ear tagging or the recent
technology of fixing microchips could be used at the time of taking
the policy. The cost of fixing the identification mark will be borne
by the Insurance companies and responsibility of its maintenance
will lie on the concerned beneficiaries. The nature and quality of
tagging materials will be mutually agreed by the beneficiaries and
the Insurance Company. The Veterinary Practitioners may guide the
beneficiaries about the need and importance of the tags fixed for
settlement of their claim so that they take proper care for
maintenance of the tags.
Change of owner during the
validity period of insurance
12. In case of sale of the
animal or otherwise transfer of animal from one owner to other,
before expiry of the Insurance Policy, the authority of beneficiary
for the remaining period of policy will have to be transferred to
the new owner. The modalities for transfer of livestock policy and
fees and sale deed etc required for transfer, should be decided
while entering into contract with the insurance company
Settlement of Claims
13. The method of settlement
of claim should be very simple and expeditious to avoid unnecessary
hardship to the insured. While entering into contract with the
insurance company, the procedure to be adopted/documents needed for
settlement of claim should be clearly spelt out. In case of claim
becoming due, the payment of insured amount should be made within 15
days positively after submission of requisite documents. While
insuring the animal, CEOs must ensure that clear cut procedures are
put in place for settlement of claims and the required documents are
listed and the same is made available to concerned beneficiaries
along with the policy documents.
Effective monitoring of the scheme
14. In order to effectively
implement the scheme, there is need of strict monitoring at
different stages. The monitoring should be in terms of financial
releases, number of animals insured and type of insurance.
Monitoring at the Central and State levels is extremely important.
CEO will be required to make special efforts for effective
monitoring. Secretary in-charge Animal Husbandry in State
Government/Director of state animal Husbandry will take periodic
review of the implementation of the scheme.
Payment of honorarium to the
veterinary practitioners
15. The involvement of
veterinary officer in the scheme is from beginning to end. His
active interest and support is essential for success of the scheme.
In view of this it is essential to provide some incentive to the
veterinary practitioners to motivate them to carry out these
activities wholeheartedly. It has been decided to pay an honorarium
of Rs.50/- per animal at the stage of insuring the animal and Rs.
100/- per animal at the stage of issuing veterinary certificate
(including conducting post-mortem, if any) in case of any insurance
claim. Central Government will provide the amount needed for payment
of honorarium to the S.I.As. The CEOs should ensure that Boards
will pay to Veterinary Practitioners at end of each quarter
depending on number of animals insured and veterinary certificates
issued by them in that quarter.
Publicity
16. The scheme is new and
people inclusive of the concerned officials are not much aware of
the scheme. Therefore, public as well as the machinery involved in
this have to be made aware of the scheme and benefits thereof.
Pamphlets, posters, wall paintings, radio talks, TV clippings etc.
will help in creating awareness among the farmers about the benefits
of insuring their high yielding animals under the scheme. Publicity
campaigns on special occasions like animal fairs etc. will also be
taken up for wide publicity. The Panchayati Raj institutions will be
involved in publicity in a big way. The task of disseminating
information on the scheme and inviting farmers to offer their
animals for identification for insurance will be entrusted to the
Intermediate Panchayats. For this purpose the CEOs are empowered to
provide assistance not exceeding Rs.5000/- for each intermediate
Panchayat (in both cash and in the form of publicity material).
Commission to Insurance Agents
17.
The active and dedicated involvement of insurance agent is most
essential for efficient implementation of the scheme. The insurance
company should be persuaded to pay at least 15% of the premium
amount to the agent out of their premium income. While entering
into contract with the Insurance Company, this has to be ensured by
the implementing agency.
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