{"uin":"IRDAN158RPMS0004V02202324","name":"Digit Cattle Insurance Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"general","category":"rural","category_name":"Crop, cattle and rural","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Digit Cattle Insurance Policy covers death of insured cattle or animals during the policy period due to listed accidental perils within India. The policy can run for 1 year, less than 1 year, or more than 1 year up to 10 years, and optional covers include PTD, natural calamity, disease, calving surgery, theft and transit.","analysis":{"state":"machine","analysed_at":"2026-10-20 09:28:27.146966+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe base and optional covers, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The coverage can be for 1 year, short-term basis of less than 1 year, or long-term basis of more than 1 year. Maximum tenure is 10 years, subject to maximum age criteria of the respective cattle.","display":"1 year, less than 1 year, or more than 1 year; maximum 10 years","note":null,"quote":"The coverage under this Policy can be opted for a period of 1 year or short-term basis (less than one year) or on long term basis (more than one year). Maximum tenure of the policy will be 10 years, subject to maximum age criteria of the respective cattle.","sources":[{"clause":null,"heading":"What are the Policy Period options available under this Policy?","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/549#c-what-are-the-policy-period-options-available-und"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice with full particulars of the insured and insured cattle must be given to the company immediately within 24 hours of the loss event.","display":"Immediately within 24 hours of loss event","note":null,"quote":"Upon the happening of any insured event and/or disease (if disease cover has been opted for), which may give rise to claim under this Policy, notice with full particulars of the Insured and Insured cattle must be given to the Company immediately within 24 hours of loss event.","sources":[{"clause":"16(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-16-i"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form","Identification tags/microchip/ RFID/ muzzle print/ proof of identity of Insured Cattle","Death Certificate duly attested by authorized veterinary doctor","Postmortem report from authorized veterinary doctor","Three clearly visible photographs of the Insured Animal","FIR, Spot Panchnama","Closing Report from the Police","Veterinary Doctor’s Report","Certification from veterinary doctor on the type of disability","Copy of the General Diary Entry/ FIR lodged with the Police Station","Spot Panchnama","Closing/ Untraceable/ Final Report from the Police","Vaccination reports from the veterinarian (as applicable)","Complete medical history and Diagnostic Reports"],"display":"Claim form, identity proof, veterinary certificates/reports, postmortem report, photographs, FIR/police reports, treatment/vaccination/medical records as applicable","note":"Documents vary by claim type: death, PTD, theft, or death due to disease/surgical operation.","quote":"• Duly completed claim form\n• Identification tags/microchip/ RFID/ muzzle print/ proof of identity of Insured Cattle as submitted to the Company as identification of the cattle.\n• Death Certificate duly attested by authorized veterinary doctor.\n• Postmortem report from authorized veterinary doctor. ... • Three clearly visible photographs of the Insured Animal. ... • In case of death due to Vehicular accident, Death due to Poison, FIR, Spot Panchnama.\n• Closing Report from the Police. ... • Veterinary Doctor’s Report, including reason for disablement treatment cost and treatment chart for Injury or Disease (if specifically covered under the Policy) with respect to the Insured cattle.\n• Certification from veterinary doctor on the type of disability ... • Copy of the General Diary Entry/ FIR lodged with the Police Station\n• Spot Panchnama.\n• Closing/ Untraceable/ Final Report from the Police. ... • Vaccination reports from the veterinarian (as applicable)\n• Complete medical history and Diagnostic Reports","sources":[{"clause":"17(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-17-a"},{"clause":"17(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-17-b"},{"clause":"17(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-17-c"},{"clause":"17(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-17-d"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The policy only says claims are settled or rejected as per prevailing guidelines and refers to specified timelines, without printing a claim settlement time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any claim arising due to permanent total disablement within 30 days","Any claim arising due to disease contracted within 15 days","Any claim arising due to surgical operation of calving within 6 months","Pre-existing diseases contracted before the commencement of the policy period","Pre-existing conditions contracted before the commencement of the policy period","Any claim outside Geographical area as mentioned in the Policy Schedule","Malicious or wilful injury or neglect, overloading, unskilful treatment or use of cattle for purpose other than stated in the Policy Schedule/ Certificate of Insurance","Accidents occurring/ diseases contracted prior to the commencement of the Policy","Intentional slaughter of the cattle","Any loss or damage caused wilfully or knowingly by the Insured","war (whether war be declared or not), invasion, act of foreign enemy, hostilities","ionizing radiations, nuclear weapons or nuclear material","Accidents while being transported by air, and sea","Straying of cattle","Any expenses incurred on medical treatment or vaccination of the cattle"],"display":"Waiting periods for PTD, disease and calving surgery; pre-existing disease/conditions; outside geographical area; wilful injury or neglect; prior accident/disease; intentional slaughter; wilful loss; war; nuclear risks; air/sea transport; straying; treatment or vaccination expenses","note":"The waiting-period exclusions apply only to the relevant optional covers.","quote":"Any claim arising due to permanent total disablement within 30 days (unless specifically agreed otherwise by Us) from the date of commencement of the Policy will not be payable under the policy. ... Any claim arising due to disease contracted within 15 days (unless specifically agreed otherwise by Us) from the date of commencement of the Policy, will not be payable under the policy. ... Pre-existing diseases contracted before the commencement of the policy period are excluded under this cover. ... Any claim arising due to surgical operation of calving within 6 months (unless specifically agreed otherwise by Us) from the date of commencement of the Policy, will not be payable under the policy. ... Pre-existing conditions contracted before the commencement of the policy period are excluded under this cover. ... Any claim outside Geographical area as mentioned in the Policy Schedule, unless specifically agreed otherwise by Us. ... Malicious or wilful injury or neglect, overloading, unskilful treatment or use of cattle for purpose other than stated in the Policy Schedule/ Certificate of Insurance without the consent of the Company. ... Accidents occurring/ diseases contracted prior to the commencement of the Policy. ... Intentional slaughter of the cattle except in cases where destruction is necessary to terminate incurable suffering on humane consideration on the basis of certificate issued by qualified Veterinarian or in cases where destruction is resorted to by the order of lawfully/statutorily constituted authority. ... Any loss or damage caused wilfully or knowingly by the Insured, or any loss or damage in which the Insured or any person acting on his behalf is involved or implicated. ... Death or Permanent Total Disablement of the Insured Cattle due to, or arising out of, or directly or indirectly connected with or traceable to, war (whether war be declared or not), invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, tumult, military or usurped power, seizure, capture, arrests, restraints and detainment of all kinds or any consequences thereof. ... Any accident, destruction, damage, legal liability directly or indirectly caused by or contributed to by or arising from ionizing radiations, nuclear weapons or nuclear material. ... Accidents while being transported by air, and sea. ... Straying of cattle ... Any expenses incurred on medical treatment or vaccination of the cattle.","sources":[{"clause":null,"heading":"Exclusion Specific to Optional Cover 1","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-exclusion-specific-to-optional-cover-1"},{"clause":null,"heading":"Exclusion Specific to Optional Cover 3","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-exclusion-specific-to-optional-cover-3"},{"clause":null,"heading":"Exclusion Specific to Optional Cover 4","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-exclusion-specific-to-optional-cover-4"},{"clause":"2","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-2-2"},{"clause":"3","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-3-2"},{"clause":"4","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-4-2"},{"clause":"5","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-5-2"},{"clause":"6","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-6-2"},{"clause":"7","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-7-2"},{"clause":"8","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-8-2"},{"clause":"9","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-9-2"},{"clause":"10","heading":"Straying of cattle","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-10-2"},{"clause":"11","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-11-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First lodge a complaint with the insurer by calling 1800-258-5956 or emailing hello@godigit.com. If not satisfied, contact the grievance officer at grievance@godigit.com before approaching the Insurance Ombudsman.","display":"Call 1800-258-5956 or email hello@godigit.com; then grievance@godigit.com; then Insurance Ombudsman","note":null,"quote":"if You are not satisfied with Our services and wish to lodge a complaint, please feel free to call Our 24X7 Toll free number 1800-258-5956 or You may email to the customer service desk at hello@godigit.com. ... If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievance@godigit.com ... If You do not get a satisfactory response from Us and You wish to pursue other avenues for redressal of grievances, You may approach Insurance Ombudsman appointed by IRDAI under the Insurance Ombudsman Scheme.","sources":[{"clause":"29","heading":"CUSTOMER GRIEVANCE REDRESSAL POLICY","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-29-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Electrocution","Snake-Bite","Wild life Attack","Strangulation","drowning in water bodies","Poisoning","Riot","Strike","Road Accident","Accidental External means"],"display":"Death due to Fire, Electrocution, Snake-Bite, Wild life Attack, Strangulation, drowning in water bodies, Poisoning, Riot, Strike, Road Accident or Accidental External means","note":"Optional covers available for additional premium are PTD, natural calamity death, disease death, death during surgical operation of calving, theft and transit cover.","quote":"death of the Insured cattle/ animal during the policy period due to Fire, Electrocution, Snake-Bite, Wild life Attack, Strangulation, drowning in water bodies, Poisoning, Riot, Strike, Road Accident or Accidental External means ... Following optional covers are available under the Policy which need to be specifically opted by the Insured on payment of additional premium:\ni) Optional Cover 1: Permanent Total Disability (PTD) of the Cattle\nii) Optional Cover 2: Death of Cattle due to Natural Calamity\niii) Optional Cover 3: Death of Cattle due to Disease contracted during Policy Period\niv) Optional Cover 4: Death of Cattle during Surgical Operation of Calving\nv) Optional Cover 5: Theft of Cattle\nvi) Optional Cover 6: Transit Cover","sources":[{"clause":"I","heading":"BASE COVER","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-i"},{"clause":"II","heading":"OPTIONAL COVER","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-ii"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The policy says the deductible or excess amount is shown in the Policy Schedule/Certificate of Insurance, but the schedule is not provided.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You can cancel at any time by written notice. If no claim has been made, an annual policy gets proportionate premium refund for the unexpired policy period, and a long-term policy gets refund for unexpired policy years for which risk coverage has not commenced.","display":"Written cancellation at any time; refund for unexpired period if no claim has been made","note":null,"quote":"You can cancel this Policy at any time by giving Us notice in writing. The Policy will terminate when We receive Your notice. ... If You cancel the Policy, We will refund premium as follows, subject to there is no claim(s) made during the policy period:\ni) For Annual Policy: refund proportion premium for unexpired policy period, if the term of the policy is upto one year.\nii) For Long Term Policies: refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":null,"heading":"Cancellation by You at any time","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-cancellation-by-you-at-any-time"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers insured risk within India. Admissible claim payments are made to the insured within India and in Indian Rupees only.","display":"Within India; payment within India and in Indian Rupees only","note":null,"quote":"This Policy covers Insured Risk of concerned Insured arising after the policy commencement date and during the Policy Period within India. The Company’s liability to make any payment under admissible claims shall be to make payment to the Insured within India and in Indian Rupees only.","sources":[{"clause":"27","heading":"Territorial Limits","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-27-2"}],"law":[]},{"key":"subject_covered","label":"Crop or animal covered","section":"Cover","meaning":"What is insured.","status":"quote-verified","value":"The policy covers insured cattle or animals described in the Policy Schedule/Certificate of Insurance, including listed livestock and other domesticated animals raised for home use or profit if specifically mentioned in the schedule.","display":"Insured cattle/animals described in the schedule, including listed livestock and other domesticated animals specifically mentioned","note":null,"quote":"Cattle means animal(s) including livestock which consists of i) Milch Cows and Buffaloes ii) Calves/Heifers iii) Stud Bulls iv) Bullocks v) Male Buffaloes vi) Sheep vii) Goat viii) Pigs ix) Horse and pony x) Camel xi) Donkey and Mules\nxiii) Any other domesticated animals that are raised for home use or to for profit and is specifically mentioned in the Policy Schedule/ Certificate of Insurance. ... Insured Cattle means the animal(s) covered under the policy, as described in the Policy Schedule/ Certificate of Insurance and belonging to the Insured.","sources":[{"clause":"6","heading":"Cattle","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-6"},{"clause":"14","heading":"Insured Cattle","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-14"}],"law":[]},{"key":"claim_trigger","label":"Claim trigger","section":"Claims","meaning":"What has to happen for a payout: yield loss, weather index, death of animal.","status":"quote-verified","value":"For the base cover, payout is triggered by loss sustained as a result of death of the insured cattle or animal during the policy period due to a covered peril.","display":"Death of the insured cattle/animal during the policy period due to a covered peril","note":"Optional covers can add PTD, death due to natural calamity, disease, death during surgical operation of calving, theft and transit loss if opted.","quote":"to indemnify to the Insured against loss sustained as a result of death of the Insured cattle/ animal during the policy period due to Fire, Electrocution, Snake-Bite, Wild life Attack, Strangulation, drowning in water bodies, Poisoning, Riot, Strike, Road Accident or Accidental External means","sources":[{"clause":"I","heading":"BASE COVER","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718#c-i"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Cattle Insurance Policy - IRDAN158RPMS0004V02202324","pages":15,"fetched_at":"2026-10-17 19:41:02+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/policy-wordings-digit-cattle-insurance-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/718"},{"kind":"prospectus","label":"Prospectus - Digit Cattle Insurance Policy - IRDAN158RPMS0004V02202324","pages":9,"fetched_at":"2026-10-17 19:38:01+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/prospectus-digit-cattle-insurance-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/549"},{"kind":"cis","label":"CIS - Digit Cattle Insurance Policy - IRDAN158RPMS0004V02202324","pages":3,"fetched_at":"2026-10-17 19:39:05+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/cis-digit-cattle-insurance-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324/document/608"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit General Insurance official website","url":"https://www.godigit.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.godigit.com/motor-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel claims","url":"https://www.godigit.com/international-travel-insurance/file-a-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal procedure","url":"https://www.godigit.com/claim/grievance-redressal-procedure","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Digit Cattle Insurance Policy (UIN IRDAN158RPMS0004V02202324), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-cattle-insurance-policy-irdan158rpms0004v02202324"}