Comprehensive indemnity cover for migratory and non-migratory duck farmers across India. Protect your flock against accident and disease mortality — issued by IRDAI-licensed brokers.
Rural Insurance
Duck Insurance is a GIC-classified Bird Cover under the Rural Insurance category, alongside Poultry Insurance and Quail Insurance. It provides financial protection to duck farmers against monetary losses from the death of insured birds due to accidents or diseases during the policy period.
Who Can Apply
A minimum flock of 100 ducks is required for coverage under the general scheme.
Reduced minimum of 50 ducks for IRDP participants or any government-subsidised programme. Premium subsidy may also apply.
Only ducks aged 6 months to 2 years are eligible at policy start. Birds outside this age bracket cannot be insured under this scheme.
All insured ducks must bear Leg Band Identification Marks. The entire eligible flock must be insured — no selective insuring of individual birds permitted.
A comprehensive Vet Certificate is mandatory — covering type, age, ID marks, vaccination, deworming, health status, and declared market value. May be waived on timely renewal.
The insured farm must have access to veterinary facilities — in-house or on a consultancy basis — throughout the entire policy period.
Scheme Comparison
Compare the General and IRDP scheme options under the Duck Insurance policy.
| Points of Difference | General Scheme | IRDP / Govt. Subsidised |
|---|---|---|
| Minimum Flock Size | 100 ducks | 50 ducks |
| Age of Birds at Inception | 6 months – 2 years | 6 months – 2 years |
| Indemnity on Death | 75% of insured value | 75% of insured value |
| Mandatory Excess | 5% of insured ducks per occurrence | 5% of insured ducks per occurrence |
| Premium Subsidy | Not applicable | Available (scheme-specific) |
| Vet Certificate at Inception | Yes — Mandatory | Yes — Mandatory |
| Leg Band ID Required | Yes — Mandatory | Yes — Mandatory |
| Whole Flock Must Be Insured | Yes | Yes |
| Migration Intimation | Mandatory | Mandatory |
| Transfer of Ownership | Not Permitted | Not Permitted |
| Policy Period | 1 Year (Renewable) | 1 Year (Renewable) |
Coverage Under Duck Insurance
The policy provides indemnity against the death of insured ducks during the policy period.
How Claims Are Calculated
On confirmed death, the insurer pays 75% of the duck's value per the Vet-certified Valuation Table at time of death. The remaining 25% is borne by the insured as standard own-risk.
A mandatory excess of 5% of total insured ducks dying in a single occurrence is applied before the 75% indemnity is calculated.
The Sum Insured is driven entirely by a Veterinarian-certified Valuation Table mapping duck age to market value — agreed at inception and binding for all claim settlements.
If declared value < actual market value, the condition of average applies — your claim is reduced proportionally. Always insure at 100% of the flock's market value.
| Parameter | Details |
|---|---|
| Total Ducks Insured | 500 ducks |
| Insured Value per Duck (Vet Table) | ₹ 250 |
| Total Sum Insured | ₹ 1,25,000 |
| Ducks Dead in One Occurrence | 60 ducks |
| Mandatory Excess (5% of 500 = 25 ducks deducted) | 25 ducks |
| Claimable Deaths (60 − 25) | 35 ducks |
| Value of 35 Ducks (@ ₹250 each) | ₹ 8,750 |
| Claim Payable (75% of ₹ 8,750) | ₹ 6,562.50 |
* Illustrative only. Actual claim depends on Vet-certified valuation values and the insurer's assessment at time of claim.
Policy Conditions
The following 12 conditions are binding under the Duck Insurance Policy. Non-compliance may result in claim rejection or policy voiding.
Only ducks aged 6 months to 2 years are covered at policy inception.
A Vet-certified Valuation Table must be submitted at inception — this constitutes the Sum Insured.
All ducks in the flock must be insured without selection — no exclusion of individual birds is permitted.
All ducks must bear Leg Band Identification Marks for tracking and claim verification.
The place of migration must be intimated to the insurer / bank in advance of any movement.
Claim indemnity is limited to 75% of the insured value of the duck at time of death per submitted valuation.
A comprehensive Veterinary Certificate — type, age, ID, vaccination, deworming, health — is mandatory at inception.
The insurer may appoint an independent Vet Surgeon or Investigator in special circumstances during claim assessment.
Where the flock is under-insured, the condition of average will apply — claim amount reduced proportionally.
The insured farm must maintain veterinary facility — own or consultancy basis — throughout the policy period.
Transfer of ownership or interest in the insured birds is not permitted during the policy period.
In case of alarming / sudden mortality, the insurer must be notified immediately for timely investigation.
How to File a Claim
Follow these four steps for a smooth and timely claim settlement. Probitas experts assist you at every stage.
Notify your insurer and Probitas (022 4302 0000) as soon as mortality is observed — especially for alarming or sudden deaths in the flock.
A Vet Surgeon (appointed by insurer or your own) inspects deceased birds, certifies cause of death, and prepares the necessary documentation.
Submit: Claim Form, Policy doc, Vet Certificate, Leg Band ID records, Valuation Table, photographs of deceased birds, and bank details.
Once survey and documents are verified, the insurer settles 75% of eligible dead ducks' value per the agreed Vet-certified Valuation Table.
Some Myths about Duck Insurance
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