India's only insurance product covering an animal before birth. Financial protection for farmers against loss of the unborn calf from abortion (Brucellosis, IBR, BVD), stillbirth, dystocia, and death of the dam during pregnancy. Covers natural, AI, and ET (Embryo Transfer) pregnancies. A Probitas Insurance Brokers rural product.
Rural Insurance
Foetus (Unborn Calf) Insurance is a specialised livestock insurance product by Probitas Insurance Brokers Ltd. (the insurer) — the only policy in India's rural insurance range that insures an animal before it is born. It protects the owner of a pregnant cow or buffalo against the financial loss of the unborn calf due to abortion, stillbirth, death of the dam during pregnancy, or emergency caesarean complications. The policy covers natural, AI (Artificial Insemination), and ET (Embryo Transfer) pregnancies — with ET calves commanding the highest sum insured (₹50,000–₹2 lakh+). Probitas Insurance Brokers Pvt. Ltd. (IRDAI Lic. No. 528) is your licensed broker.
HF × Sahiwal, Jersey × Sahiwal — AI and natural breeding; most commonly insured
Sahiwal, Gir, Tharparkar, Ongole, Hariana — desi breeds; natural mating pregnancies
India's premium buffalo — Haryana origin; high milk fat; heifer calves most valuable
Embryo Transfer — premium genetics; highest SI; NDDB / SAF ET centre documentation required
This is the only insurance product in India's rural range that insures an animal that has not yet been born. The insurable subject — the foetus — exists only inside the dam's womb. The policy covers the farmer's investment in premium genetics, AI breeding, and high-value livestock from as early as 5 months before the calf is born. A high-quality HF crossbred heifer calf is worth ₹25,000–₹80,000; a Murrah buffalo heifer calf ₹25,000–₹1,00,000; an ET calf from an exotic donor ₹50,000–₹2,00,000+. The policy runs from confirmed 5-month gestation to delivery and automatically terminates on live birth of the calf.
Who Can Apply
The Foetus Insurance policy can only be issued after the pregnancy is confirmed at a MINIMUM of 5 months' gestation by a government / registered veterinarian's Pregnancy Diagnosis (PD) certificate. Policies issued before 5 months' confirmed gestation are VOID. Early embryonic death (before 5 months) is not an insurable event under this policy. No exceptions — early application will result in policy void.
A Pregnancy Diagnosis (PD) certificate from a government / registered veterinarian — confirming minimum 5 months' gestation by rectal palpation, ultrasound, or progesterone test, and the dam's current health status — is mandatory at inception. Without PD certificate, no Foetus Insurance policy can be issued.
The dam (pregnant cow or buffalo) must hold a valid the insurer Cattle Insurance policy. Foetus Insurance is a companion policy to Cattle Insurance — both must be active simultaneously. If the Cattle Insurance lapses, the Foetus policy may also be voided. The dam's Cattle Insurance policy number must be provided at inception.
| Animal / Breed / Type | Typical SI Range |
|---|---|
| Indigenous / Desi breed calf | ₹5,000–₹15,000 |
| Crossbred calf (HF×Sahiwal / Jersey×Sahiwal) | ₹15,000–₹50,000 |
| Pure HF / Jersey calf | ₹25,000–₹80,000 |
| Murrah buffalo calf (heifer) | ₹25,000–₹1,00,000 |
| ET (Embryo Transfer) calf | ₹50,000–₹2,00,000+ |
SI = anticipated market value of the calf at birth / weaning — certified by a government / licensed veterinarian at inception. ET pregnancies command highest SI.
The policy covers the foetus from the date of confirmed PD (minimum 5 months' gestation) to the date of delivery (birth). Maximum policy period:
The policy automatically terminates on live birth of the calf. The born calf must then be separately insured under a Calf / Cattle Insurance policy.
Plan Comparison
Compare Standard, Murrah Buffalo, AI Premium, and ET Premium plans. All plans require minimum 5 months' confirmed gestation PD certificate and the dam must be separately insured under a Cattle Insurance policy.
| Points of Difference | Standard (Natural / AI) | Murrah Buffalo | AI Premium (Crossbred) | ET Premium Genetics |
|---|---|---|---|---|
| Abortion — Infectious (Brucellosis, IBR, BVD) | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| Abortion — Nutritional / Trauma / Heat Stress | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| Stillbirth — Dystocia / Uterine Torsion | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| Death of Dam During Pregnancy (foetal loss) | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| Emergency C-section Foetal Loss | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| Pregnancy Type | Natural / AI | Natural / AI (buffalo) | AI — crossbred exotic | Embryo Transfer (ET) |
| Typical Sum Insured | ₹5,000–₹50,000 | ₹25,000–₹1,00,000 | ₹15,000–₹80,000 | ₹50,000–₹2,00,000+ |
| ET Certificate Required | ✘ No | ✘ No | ✘ No | ✔ Yes (mandatory) |
| PD Certificate (min 5 months) | Mandatory | Mandatory | Mandatory | Mandatory |
| Dam's Cattle Insurance Required | Mandatory | Mandatory | Mandatory | Mandatory |
| Brucellosis Serology (if suspected) | Required | Required | Required | Required |
| 24-Hour Notification Window | Required | Required | Required | Required |
| Policy Terminates on Live Birth | Yes | Yes | Yes | Yes |
| Premium Level | Base | Moderate | Moderate | Highest |
Coverage Under Foetus Insurance
Foetus Insurance covers four categories of foetal loss: infectious abortion, trauma/non-infectious abortion, stillbirth, and death of dam during pregnancy. All claims require government veterinary certification and 24-hour notification.
Any abortion, stillbirth, or death of the dam during pregnancy must be notified to Probitas on 022 4302 0000 within 24 HOURS of occurrence. Do NOT dispose of the aborted foetus, stillborn calf, or placenta before the government veterinarian examines them. Delayed notification prejudices the claim. For disease-related abortion (Brucellosis / IBR): the treating veterinarian must also be informed immediately.
The aborted foetus / stillborn calf and placenta must NOT be disposed of, buried, or removed before the government / registered veterinarian examines and certifies the cause of foetal loss. Premature disposal of foetal remains before veterinary examination voids the claim. Always photograph the remains and call Probitas on 022 4302 0000 first.
Brucellosis (Brucella abortus) is a notifiable disease under the Prevention of Cruelty to Animals Act and the Livestock Importation Act. If Brucellosis is suspected or diagnosed as the cause of abortion, the state Animal Husbandry Department must be notified. Blood testing (serology) of the dam and herd mates for Brucella antibodies may be required. Government disease control measures — quarantine, vaccination, culling — must be complied with.
How Claims Are Calculated
Abortion / Stillbirth Claim = Sum Insured (agreed calf value) − Compulsory Excess
Dam Death Foetal Loss = Sum Insured − Compulsory Excess (separate from the dam's own claim under Cattle Insurance — two separate claims from two separate policies)
Sum Insured = anticipated market value of the calf at birth / weaning — agreed at inception and certified by a government / licensed veterinarian.
The agreed SI at inception is the maximum claim payable — regardless of actual market price fluctuations at time of foetal loss.
Policy Terminates on Live Birth of the Calf: The Foetus Insurance policy automatically terminates upon the live birth of a healthy calf. No claim arises on live birth — the policy has fulfilled its purpose. The born calf must then be separately insured under a Calf / Cattle Insurance policy. Contact Probitas on 022 4302 0000 immediately after delivery to arrange calf cover.
Twin Pregnancy — Must Be Disclosed at Inception: Twin pregnancies in cattle carry higher risk (twin pregnancies account for a disproportionate share of abortion and stillbirth cases). Each foetus in a twin pregnancy requires a separate policy / endorsement. Twin pregnancy must be disclosed at inception — confirmed by veterinary ultrasound. Non-disclosure may void claims.
After an abortion, the dam loses the current lactation cycle — typically 10+ months of milk income. This consequential income loss is NOT covered under this policy. Only the capital value of the foetus (sum insured) is payable. For insurance against milk income loss, consider contacting Probitas for allied livestock income protection options.
| Parameter | Brucellosis Abortion (HF Crossbred Cow) | Stillbirth — Dystocia (Murrah Buffalo) | ET Pregnancy Abortion (Trauma) |
|---|---|---|---|
| Animal | HF × Sahiwal crossbred cow | Murrah buffalo (2nd lactation) | HF donor embryo in Sahiwal surrogate |
| Pregnancy Type | AI (Artificial Insemination) | Natural mating | ET (Embryo Transfer) |
| Gestation at Event | 7 months | 10.5 months (at term) | 6 months |
| Event / Cause | Brucellosis (Brucella abortus) — govt. vet serology + post-mortem certifies | Dystocia — calf born dead (foetal asphyxia); govt. vet certifies stillbirth | Accidental trauma to dam causing abortion — govt. vet + ET centre records confirm |
| Sum Insured (Foetus) | ₹ 35,000 | ₹ 60,000 | ₹ 1,50,000 |
| Compulsory Excess | ₹ 1,000 | ₹ 1,500 | ₹ 5,000 |
| Claim Payable | ₹ 34,000 | ₹ 58,500 | ₹ 1,45,000 |
| Dam's Cattle Insurance Claim | Separate claim under Cattle policy (dam survived) | Separate claim under Cattle policy (dam survived) | Separate claim under Cattle policy (dam status) |
* Illustrative only. Actual settlement depends on SI agreed at inception, govt. vet cause certification, and compulsory excess as per policy schedule. ET pregnancy scenario requires ET certificate from NDDB / SAF / private ET lab at inception. Brucellosis claim also triggers state AH Dept. disease-control measures.
Policy Conditions
The following 12 conditions are binding under the insurer Foetus Insurance. Condition 1 (5-month gestation), Condition 3 (Dam insured under Cattle Policy), Condition 5 (24-hour notification), and Condition 6 (Do NOT dispose of foetal remains) are the most critical.
Minimum Gestation of 5 Months — Mandatory: Pregnancy must be confirmed at a minimum of 5 months' gestation by a government / registered veterinarian's PD certificate at inception. Policies issued before 5 months' confirmed gestation are VOID. No exceptions.
Pregnancy Diagnosis (PD) Certificate at Inception: PD certificate from a government / registered veterinarian confirming minimum 5 months' gestation and dam's health condition is mandatory at inception. Without PD certificate, no policy can be issued.
Dam Must Be Separately Insured Under Cattle Insurance: The dam must hold a valid the insurer Cattle Insurance policy. Foetus Insurance is a companion policy — both must be active. Dam's Cattle Insurance policy number must be provided at inception. If Cattle Insurance lapses, Foetus policy may be voided.
Veterinary Certification of Foetal Loss: All foetal loss claims must be certified by a government / registered veterinarian who examines the dam and foetal remains and certifies cause. Without veterinary certification, claims will not be settled.
Notification Within 24 HOURS of Foetal Loss: Abortion, stillbirth, or dam death during pregnancy must be notified to Probitas (022 4302 0000) within 24 HOURS. Delayed notification prejudices the claim. Treating vet must also be informed immediately for disease-related abortion.
Do NOT Dispose of Foetal Remains Before Vet Examination: Aborted foetus / stillborn calf and placenta must NOT be disposed of, buried, or removed before the government / registered veterinarian examines and certifies cause. Premature disposal voids the claim.
Brucellosis Testing of Dam: For Brucellosis-suspected or certified claims, the state Animal Husbandry Dept. may require blood testing (serology) of the dam and herd mates. Results affect claim processing and may result in government disease-control measures (quarantine, vaccination).
ET (Embryo Transfer) Documentation: For ET pregnancies, the ET certificate from NDDB / SAF / private ET lab confirming donor breed, embryo grade, and transfer date must be submitted at inception. This determines the higher SI applicable to ET foetuses.
Policy Period — From PD Date to Delivery: Policy covers the foetus from confirmed PD date (min 5 months) to delivery. Maximum approx 4 months for cattle; 5–5.5 months for buffaloes. Policy automatically terminates on live birth of the calf.
Single Foetus Per Policy: Each foetus is insured under a separate policy. For twin pregnancies — each foetus may require a separate policy / endorsement. Twin pregnancies must be disclosed at inception — confirmed by veterinary ultrasound.
Cancelled Upon Live Birth: Foetus Insurance automatically terminates on live birth of the calf. No further cover on live birth — the born calf must be separately insured under a Calf / Cattle Insurance policy immediately after delivery.
Government Disease Control Compliance: For Brucellosis or other notifiable disease claims, the insured must comply with all state / central Animal Husbandry Dept. measures — quarantine, culling orders, vaccination, and reporting requirements.
How to File a Claim
Foetal loss claims require government veterinary examination and certification of cause before disposal of foetal remains. 24-hour notification is critical. Call Probitas on 022 4302 0000 immediately.
The government / registered veterinarian examines the dam, the foetal remains / aborted foetus / stillborn calf, and the placenta — and issues a Veterinary Certificate of Foetal Loss certifying: cause (abortion / stillbirth / disease — with specific diagnosis / trauma / dam death), gestational age at foetal loss, dam's health status, and whether Brucellosis serology is indicated. For ET pregnancies, the ET centre records are cross-verified. The insurer may additionally appoint their own veterinary surveyor to verify findings.
Call Probitas on 022 4302 0000 within 24 hours of abortion, stillbirth, or dam death during pregnancy. Do NOT dispose of foetal remains, placenta, or stillborn calf. Photograph everything. Notify the treating government veterinarian immediately for disease-related abortions.
Government / registered vet examines the dam, foetal remains, and placenta — certifying cause of foetal loss. For Brucellosis: blood serology of dam and herd. For ET: ET centre records verified. Insurer may appoint their own vet surveyor to attend and verify the examination findings.
Submit: Claim Form, Policy doc, PD Certificate (from inception), Govt. vet Certificate of Foetal Loss, Dam's Cattle Insurance policy number + certificate, photographs of dam and foetal remains (before disposal), ET Certificate (if ET pregnancy), Brucellosis serology report (if applicable), bank details for NEFT.
Abortion / Stillbirth: SI (agreed calf value) − Compulsory Excess. Dam death foetal loss: SI − Excess (separate from dam's Cattle Insurance claim). Payment by NEFT within 30 days of complete document submission per IRDAI TAT norms.
Common Questions about Foetus Insurance
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