African Swine Fever (ASF) — with near-100% mortality and NO vaccine — has devastated NE India's pig herds since 2019. For tribal communities in Nagaland, Meghalaya, Mizoram, Manipur, and Assam, pigs are the primary livestock livelihood. the insurer Pig Insurance covers ASF natural deaths, CSF, fire, floods, and shed collapse. DAHDF / NABARD government subsidy available.
Rural Insurance
The the insurer Pig Insurance Scheme is a livestock mortality insurance product protecting pig farmers against financial loss from pig death due to disease, accident, or natural calamity. India has ~9.06 million pigs (20th Livestock Census 2019). In Northeast India — Nagaland, Meghalaya, Mizoram, Manipur, Assam, Arunachal Pradesh, Tripura, Sikkim — pig farming constitutes 30%–60% of total livestock income for tribal communities. African Swine Fever (ASF), with near-100% mortality and NO vaccine, has devastated NE India piggeries since 2019. Probitas Insurance Brokers Pvt. Ltd. (IRDAI Lic. No. 528) is your licensed broker.
Indigenous / local breeds; backyard piggeries; 1–10 pigs; SC/OBC/tribal household
Yorkshire, Landrace, Duroc, Large White, Hampshire; commercial piggeries
Exotic/crossbred stud males; premium genetic asset; highest-value pig on farm
Productive exotic sow; 2 litters/year × 8–12 piglets; critical income-generating asset
In Nagaland, Meghalaya, Mizoram, Manipur, Assam, Arunachal Pradesh, Tripura, and Sikkim — pig farming is the PRIMARY livestock livelihood for tribal communities: Naga, Mizo, Khasi, Garo, Bodo, Meitei, Tripuri, and Apatani peoples. Pig constitutes 30%–60% of total household livestock income. African Swine Fever (ASF), which entered India through the Myanmar/China border in 2019, has caused near-total loss of pig herds in many NE India villages (2019–2023). DAHDF / NABARD / state piggery schemes (Nagaland, Meghalaya, Assam, Mizoram, Manipur, Arunachal Pradesh) provide premium subsidies — call Probitas on 022 4302 0000 to check eligibility. NRCP (National Research Centre on Pig), Guwahati provides disease management support.
Who Can Apply
Every insured pig must be individually identified by a unique ear tag (metal/plastic) or ear tattoo number at inception. The identification must match the policy schedule and veterinary certificate. Pigs without valid ear tag identification at the time of the claim cannot be claimed. For group piggery policies: a complete ear tag register listing all insured pigs (tag number, breed, age, sex, SI) must be submitted at inception.
Every insured pig must be vaccinated against Classical Swine Fever (CSF) and Foot-and-Mouth Disease (FMD). Records must be submitted at inception. CSF vaccination lapse at the time of a CSF outbreak may void the claim for that pig. Swine Erysipelas vaccination is strongly recommended. Submit updated vaccination records at each annual renewal.
For commercial piggeries above 20 pigs, minimum biosecurity is required: perimeter fencing / pen enclosure, no contact with wild boar populations (wild boar is the primary ASF vector), vaccination programme compliance, and waste management. Outbreaks attributed to failure of basic biosecurity — particularly contact with wild boar — may not be covered.
For piggeries in flood-prone areas of NE India — Assam river plains, Manipur valley, Brahmaputra belt — the piggery elevation and flood protection measures must be declared at inception. Annual flood inundation of piggeries in Assam is a major cause of pig mortality — especially during the July–September Brahmaputra flood season. Declare your piggery's flood risk at inception.
| Pig Type / Breed | SI per Pig |
|---|---|
| Desi / indigenous backyard pig | ₹3,000–₹8,000 |
| Crossbred pig (Desi × exotic) | ₹8,000–₹20,000 |
| Pure exotic (Yorkshire / Landrace / Duroc) | ₹15,000–₹40,000 |
| Breeding boar (stud male — exotic/crossbred) | ₹20,000–₹60,000+ |
| Breeding sow (productive exotic) | ₹15,000–₹40,000 |
| Piglets (weaned, 8–12 weeks) | ₹3,000–₹8,000 |
SI = market value certified by a government-licensed / registered veterinarian at inception. Reassessed annually.
Plan Comparison
Compare Backyard, Small Commercial, Medium Commercial, and Breeding Piggery plans across covered diseases, SI ranges, ASF condition, biosecurity requirements, and government scheme eligibility.
| Points of Difference | Backyard (1–10 pigs) | Small Commercial (10–50) | Medium Commercial (50–200) | Breeding Piggery (Boar/Sow) |
|---|---|---|---|---|
| ASF (African Swine Fever) natural deaths | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| ASF — No vaccine available | ⚠️ NO ASF vaccine exists. Natural deaths before govt. culling order covered. Govt.-culled pigs excluded across all plans. | |||
| CSF (Classical Swine Fever / Hog Cholera) | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| FMD, Erysipelas, PRRS, TGE/PED | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| Fire, Lightning, Electrocution | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| Flood / NE India Brahmaputra inundation | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| Earthquake / Landslide (hilly NE India) | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| Government-ordered culling (ASF/CSF) | ✘ Excluded | ✘ Excluded | ✘ Excluded | ✘ Excluded |
| SI per pig | ₹3,000–₹20,000 | ₹8,000–₹40,000 | ₹8,000–₹40,000 | Boar: ₹20K–₹60K+ / Sow: ₹15K–₹40K |
| CSF + FMD Vaccination | Mandatory | Mandatory | Mandatory | Mandatory + Erysipelas recommended |
| Vet inspection at inception | Not required | May be required | Required | Required |
| Biosecurity standard required | Basic | Standard | Full (wild boar fence) | Full (wild boar fence) |
| DAHDF / NABARD subsidy eligible | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes |
| NE India flood risk declaration | If applicable | If applicable | Mandatory | Mandatory |
Coverage Under Pig Insurance
Pig Insurance covers disease death, accidental death, and natural calamity. ASF is the defining peril — with no vaccine. CSF vaccination is mandatory. 24-hour notification and carcass preservation before vet examination are critical.
Death of any insured pig must be notified to Probitas on 022 4302 0000 within 24 HOURS. Do NOT dispose of, bury, or burn the carcass before the veterinarian examines and certifies cause of death. For ASF / CSF suspected: also notify the state Animal Husbandry Department immediately. For fire: lodge a Police FIR. Photograph the pig and ear tag clearly before any disposal.
The pig's carcass must NOT be buried, burned, or removed before a government / registered veterinarian examines it and issues a cause-of-death certificate. For ASF — which requires rapid safe disposal for biosecurity (to prevent spread) — this creates a specific tension with insurance requirements. Call Probitas on 022 4302 0000 immediately for expedited inspection guidance before any ASF carcass disposal. Photograph the pig and ear tag clearly.
Pigs ordered to be culled by government authorities for ASF or CSF disease containment are NOT covered as "deaths" under this policy. Government culling compensation may be payable separately under the state Animal Husbandry Department scheme. Contact your state AH Dept. (Nagaland, Assam, Manipur, Meghalaya, Mizoram AH departments) for culling compensation details and procedures.
CSF (Classical Swine Fever) vaccination is mandatory. CSF vaccination lapse at the time of a CSF outbreak may void the claim for that specific pig. Unlike ASF (no vaccine), CSF is fully vaccine-preventable. FMD vaccination lapse may similarly affect FMD-caused death claims. Submit updated vaccination records at inception and at each annual renewal.
For commercial piggeries (above 20 pigs): minimum biosecurity standards are required — perimeter fencing, no contact with wild boar populations (wild boar is the primary ASF vector in India), vaccination programme compliance, and waste management. Outbreaks attributed to failure of basic biosecurity — particularly uncontrolled wild boar contact — may not be covered.
How Claims Are Calculated
Claim = Sum Insured (agreed market value per pig at inception) − Compulsory Excess
Each pig is claimed individually by its ear tag number. SI = market value certified by a government-licensed / registered veterinarian at inception. Full SI is paid on death (minus excess).
For group piggery policies: each dead pig is claimed separately by its ear tag number from the ear tag register.
A productive exotic breeding sow farrowing 2 litters/year with 10–12 piglets per litter generates ₹60,000–₹1,20,000/year in piglet sales alone. At ₹35,000 SI, the policy protects the capital asset. The sow's death causes not just loss of the animal value but loss of 18–24 months of future farrowing income — making the SI critically important to set correctly at inception.
For group piggery policies, each dead pig is claimed individually by its unique ear tag number from the ear tag register submitted at inception. The ear tag number must be visible in photographs of the deceased pig. Claims for pigs without matching ear tag records cannot be paid. An accurate, up-to-date ear tag register is critical throughout the policy period.
This policy pays the sum insured on death — it does NOT cover consequential losses: pork/meat production income, breeding fees / stud fees, piglet sales income after the pig's death, or processor penalties. Only the agreed SI per pig (minus excess) is payable on death.
| Parameter | ASF Outbreak — Nagaland Piggery | Shed Fire — Bihar Backyard | Assam Flood — Breeding Sow |
|---|---|---|---|
| Pig Type | Yorkshire × Naga Local crossbred | Desi × Large White cross (backyard) | Yorkshire breeding sow (productive — 3 litters) |
| Pigs Insured | 50 pigs (individual ear tags) | 8 pigs (individual ear tags) | 1 breeding sow (ear tag) |
| SI per Pig | ₹ 18,000 | ₹ 10,000 | ₹ 35,000 |
| Total SI | ₹ 9,00,000 | ₹ 80,000 | ₹ 35,000 |
| Event / Cause | ASF outbreak — 12 pigs die naturally (before govt. culling order); state AH Dept. confirms ASF; no vaccine available | Night fire in piggery shed — all 8 pigs killed; Police FIR filed; vet certifies fire death | Brahmaputra flood inundation of piggery — sow drowns; Revenue Dept. flood certificate; vet confirms drowning |
| Pigs Dead / Claimed | 12 pigs (ear tags verified) | 8 pigs (ear tags verified) | 1 sow (ear tag verified) |
| Gross Claim | 12 × ₹18,000 = ₹2,16,000 | 8 × ₹10,000 = ₹80,000 | ₹35,000 |
| Compulsory Excess | ₹ 2,000 | ₹ 1,000 | ₹ 1,500 |
| Claim Payable | ₹ 2,14,000 | ₹ 79,000 | ₹ 33,500 |
| Special Condition | ⚠️ 38 surviving pigs that were govt.-culled later: EXCLUDED; state AH Dept. culling compensation applies | Police FIR required along with vet fire-death certificate | Revenue Dept. flood certificate required; piggery flood risk declared at inception |
* Illustrative only. Actual settlement depends on veterinary cause certification, ear tag verification, vaccination records, and policy excess. For ASF — only natural deaths before govt. culling order are payable; culled pigs excluded. For fire — Police FIR required.
Policy Conditions
The following 12 conditions are binding under the insurer Pig Insurance. Conditions 1 (Ear Tag), 3 (CSF Vaccination), 4 (ASF No Vaccine), 5 (24-hour notification), and 7 (ASF Notifiable) are the most critical — especially for NE India pig farmers.
Ear Tag / Ear Tattoo Mandatory: Every insured pig must be individually identified by a unique ear tag or ear tattoo number at inception. The identification must match the vet certificate. Pigs without valid identification cannot be claimed.
Veterinary Health Certificate Mandatory: A health certificate from a government-licensed / registered vet — confirming the pig's breed, age, health condition, and assessed market value — is mandatory at inception for every insured pig.
CSF & FMD Vaccination Mandatory: All insured pigs must be vaccinated against CSF and FMD. Records must be submitted at inception. CSF vaccination lapse at the time of a CSF outbreak may void the claim. No ASF vaccine is available.
ASF — NO VACCINE AVAILABLE: ASF has NO vaccine as of 2024. Coverage relies on natural death claims (deaths before govt. culling order). Govt.-ordered ASF culled pigs are EXCLUDED. ASF is notifiable — notify state AH Dept. immediately if suspected.
Notification Within 24 HOURS: Death must be notified to Probitas (022 4302 0000) within 24 HOURS. Do NOT dispose of the carcass before vet examination. For ASF/CSF: also notify state AH Dept. For fire: lodge Police FIR.
Do NOT Dispose of Carcass Before Vet Examination: Carcass must NOT be buried, burned, or removed before vet certifies cause of death. For ASF — which requires rapid biosecurity disposal — call Probitas on 022 4302 0000 immediately for expedited inspection guidance.
ASF — Notifiable Disease Special Condition: ASF is notifiable under OIE and Indian law. Notify state AH Dept. IMMEDIATELY if suspected. Govt. may order culling and movement restrictions. ASF culled pigs: EXCLUDED from insurance.
Piggery Biosecurity Condition: For commercial piggeries (above 20 pigs): perimeter fencing, no contact with wild boar (primary ASF vector), vaccination compliance, waste management. Outbreaks from biosecurity failure may not be covered.
NE India Flood Condition: For piggeries in flood-prone NE India (Assam, Manipur, Brahmaputra belt), the piggery elevation and flood protection measures must be declared at inception. Annual flood risk assessed at quoting.
Annual Renewal — Fresh Valuation: A fresh vet certificate confirming the pig's current health and market value is required at each annual renewal. SI is reassessed — increasing for growers up to market weight, then declining for older breeding animals.
Group Policy — Ear Tag Register: For piggery group policies, a complete ear tag register listing all insured pigs (tag number, breed, age, sex, SI) must be submitted at inception. New pigs added during the year require a fresh endorsement.
Cancellation: Either party may cancel on 7 days' written notice. Premium refunded on short-period scale for unexpired term. No refund if a claim has been paid during the policy period.
How to File a Claim
All pig death claims require veterinary cause-of-death certification. For ASF/CSF: state AH Dept. investigation report. 24-hour notification and carcass preservation before vet exam are critical. For ASF — call Probitas immediately before any disposal.
For ASF suspected or confirmed: (1) Notify Probitas 022 4302 0000 AND state AH Dept. within 24 hours — do NOT dispose of carcass before calling; (2) State AH vet conducts official ASF investigation; (3) Insurer's vet assessor confirms natural ASF deaths (before culling order) — these are covered and claimed by ear tag; (4) If govt. culling order issued: culled pigs from that point are EXCLUDED from insurance — contact state AH Dept. for culling compensation. The critical distinction: pigs that die naturally from ASF = insured; pigs killed under govt. order = not insured (state AH Dept. scheme applies).
Call Probitas on 022 4302 0000 within 24 hours of death. Do NOT dispose of the carcass. Photograph the pig and ear tag clearly. For ASF/CSF: also notify the state AH Dept. immediately. For fire/accident: lodge Police FIR at nearest police station.
A government / registered veterinarian examines the carcass and issues a Cause of Death Certificate — certifying breed, ear tag number, and cause (ASF / CSF / disease / accident / calamity). For ASF / CSF / notifiable disease: state AH Dept. investigation report also required. Insurer may appoint their own vet surveyor.
Claim Form, Policy doc, Ear tag number of deceased pig, Vet Health Certificate (inception), Vet Cause of Death Certificate, Vaccination records (CSF, FMD), Photographs of deceased pig (showing ear tag), State AH Dept. investigation report (ASF/CSF), Police FIR (fire/road accident), Bank details for NEFT.
Claim = Sum Insured per pig (at inception) − Compulsory Excess. ASF natural deaths: paid by ear tag. ASF govt.-culled: excluded — state AH Dept. applies. Payment by NEFT within 30 days of complete documents per IRDAI TAT norms.
Common Questions about Pig Insurance
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