Uttar Pradesh Mukhyamantri Jokhim Prabandhan Evam Pashudhan Bima Yojana

What is Mukhyamantri Jokhim Prabandhan Evam Pashudhan Bima Yojana?

Mukhyamantri Jokhim Prabandhan Evam Pashudhan Bima Yojana, मुख्यमंत्री जोखिम प्रबंधन एवं पशुधन बीमा योजना, is the Uttar Pradesh Animal Husbandry Department's livestock risk management and insurance arrangement. Its purpose is narrow and important: when a milch animal dies, a small dairy household loses its entire earning asset in a day. Insurance converts that catastrophe into a claim.

The scheme works like conventional livestock insurance with a government subsidy layered on top. A government veterinary officer inspects the animal, certifies that it is healthy and fixes its market value, which becomes the sum insured. The animal is ear tagged with a tamper-proof tag. A policy is issued by an empanelled insurance company. The government pays part of the premium and the owner pays the balance. If the insured animal dies during the policy period, the claim is settled into the owner's bank account.

Two elements carry the whole scheme, and both are administrative rather than financial:

• The veterinary valuation certificate, because it sets what a claim will ever be worth.
• The ear tag, because it is the only thing that proves the animal that died is the animal that was insured.

Almost every dispute in livestock insurance turns on one of those two.

Who is eligible for livestock insurance?

You can enrol if:

• You are a livestock owner or dairy farmer in Uttar Pradesh and the actual keeper of the animal.
• The animal is healthy at the time of enrolment, certified so by a government veterinary officer.
• The animal can be ear tagged and the tag number recorded on the policy.
• You have a bank account in your own name for claim settlement.

You are not eligible, or the animal cannot be insured, if:

• The animal is sick, injured, pregnant beyond the limit the insurer specifies, or below or above the age band the policy allows. The veterinary officer applies these limits at inspection.
• The animal is already insured under another policy. Double insurance is not permitted and voids the claim.
• The animal has no ear tag, or the tag is damaged or unreadable.
• You are not the owner-keeper, an animal held on someone else's behalf cannot be insured in your name.
• The number of animals you wish to insure exceeds the per-household ceiling fixed for the year. This ceiling changes, so confirm it locally before you plan on insuring a whole herd.

What documents are required?

How to apply for livestock insurance

1. Visit the block veterinary hospital or the district Chief Veterinary Officer and ask whether enrolment is currently open in your district and what the owner's premium share is this year.
2. Get the animal inspected. A government veterinary officer examines the animal, certifies its health and records its market value.
3. Have the animal ear tagged at the same visit. Note the tag number yourself; do not rely only on the paperwork.
4. Have the photograph taken showing you with the animal and the tag clearly visible. This photograph is compared at claim time.
5. Pay your share of the premium to the empanelled insurance company against a receipt, and collect the policy document with the tag number, sum insured and policy period on it.
6. Store the policy, receipt and photograph together. A claim needs all three.

Enrolment is also done at village camps organised jointly by the department and the insurer. A camp is usually the easiest route for a smallholder because the veterinary officer, the tagger and the insurer's representative are all present at once.

How to make a claim

1. Inform the insurance company and the veterinary officer immediately when the animal dies, the same day, within the intimation period stated on the policy.
2. Do not dispose of the carcass before the post-mortem. Disposal before examination is the single most common reason a genuine claim is rejected.
3. Get the post-mortem done by a government veterinary officer, who issues the death and post-mortem certificate.
4. Recover the ear tag from the carcass and surrender it with the claim. A claim without the tag is very difficult to settle.
5. Submit the claim form with the policy document, post-mortem report, ear tag, enrolment photograph and your bank details.
6. Follow up with the insurer and the Chief Veterinary Officer until the amount is credited to your account.

Why claims get rejected

• Ear tag missing or unreadable. No tag, no identification, no claim.
• Carcass disposed of before post-mortem.
• Late intimation, past the window written into the policy.
• Animal in the claim is not the animal in the enrolment photograph.
• Policy lapsed — livestock policies run for a fixed term and must be renewed.
• Cause of death outside the policy, for example an excluded disease or a loss the policy does not cover.

Read the exclusions on the policy document at the time of enrolment, not at the time of loss.

A note on verifying current terms

The Uttar Pradesh Animal Husbandry Department's public portal at animalhusb.upsdc.gov.in restricts access to several scheme pages, and the premium subsidy share, the age band for insurable animals and the per-household ceiling on the number of animals are revised from time to time and by financial year. This guide therefore describes the structure of the scheme and the process, and deliberately does not state figures that cannot be confirmed against a current departmental order.

Before you enrol, ask your district Chief Veterinary Officer for three things in writing or on the enrolment notice: the owner's premium share, the maximum number of animals per household, and the policy period. Those three numbers determine everything about what the scheme is worth to you.

Help and grievance redressal

• Block veterinary hospital and District Chief Veterinary Officer, enrolment, valuation, tagging, post-mortem and claim follow-up.
• Animal Husbandry Department, Uttar Pradesh, animalhusb.upsdc.gov.in, for departmental notices and district office contacts.
• Dairy Development Department, Uttar Pradesh, updairydevelopment.gov.in, for related dairy farmer schemes such as Nandini Krishak Samridhi Yojana and Mukhyamantri Pragatisheel Pashupalak Protsahan Yojana.
• Jansunwai-Samadhan portal, jansunwai.up.nic.in: to escalate a rejected or delayed claim, or a demand for money at enrolment. Register with mobile OTP and track the complaint online.

The government's share of the premium is paid to the insurer directly. No veterinary officer, tagger or agent may collect anything beyond the owner's premium, and every payment should be against a printed receipt.

How to check your application status

Mukhyamantri Jokhim Prabandhan Evam Pashudhan Bima Yojana is enrolled and settled offline, through the district Chief Veterinary Officer and an empanelled insurer, and the department's public portal, animalhusb.upsdc.gov.in, does not expose a citizen-facing online tracker where an owner can look up an enrolment number or a claim by ID. Status has to be followed up in person or by phone, not through a portal login.

To check whether your animal's enrolment has gone through:

1. Keep the receipt, the policy document and the enrolment photograph you were given at the time of tagging and inspection. These carry the reference details the office uses to look up your case.
2. Contact the block veterinary hospital or the district Chief Veterinary Officer's office where you enrolled, quoting the tag number and the date of enrolment, and ask them to confirm that the policy was actually issued by the insurer and not just recorded locally.
3. If the office cannot confirm the policy, ask for the empanelled insurance company's name and contact details from the same office and confirm directly with the insurer that a policy exists against your tag number.

To check the status of a death claim already filed:

1. Contact the same district Chief Veterinary Officer's office or block veterinary hospital that handled your post-mortem and claim paperwork, and ask for an update against the claim you submitted.
2. Contact the insurer directly using the details on your policy document; claim processing and payment timelines are set by the insurer, not the department.
3. If a claim is delayed well beyond what the office or insurer indicated, or if there is no response, follow up in writing at the same office rather than relying only on phone calls, so there is a written record of when you asked.

If enrolment or a claim is stuck without explanation, or money is being demanded beyond your premium share, escalate on the Jansunwai-Samadhan portal at jansunwai.up.nic.in. Register with your mobile number and OTP, file the complaint with your tag number, enrolment or claim date and the office you dealt with, and use the complaint number the portal gives you to track its resolution online. This is the only state-level online tracking available for this scheme; it tracks your grievance, not the insurance policy itself.