An insured event under this contract is an event characterized by probability and chance, resulting in the death, forced slaughter, or loss of the insured animals only as a result of:
- INFECTIOUS DISEASES;
- INVASIVE DISEASES;
- NON-COMMUNICABLE DISEASES – (diseases caused by various injuries and internal organ diseases. They mainly occur as a result of a combination of internal and external environmental factors adversely affecting the animal's body (disturbed intrauterine development, early weaning, inadequate feeding, cold, non-compliance with milking rules, unsanitary conditions);
- ACCIDENT: explosion, lightning strike, electric shock, sunstroke or heatstroke, hypothermia, suffocation (asphyxia), animal attacks, poisoning by poisonous herbs or substances, snake or insect bites, as well as drowning, falling into a gorge or other traumatic injuries incompatible with life, including water-related injuries, causing real property damage to the policyholder;
-
HAZARDOUS NATURAL PHENOMENA AND (OR) NATURAL DISASTERS:
-flooding, inundation, flooding, high water, avalanche (including snow avalanche), landslide, collapse;
-whirlwind, hurricane (hurricane wind), cyclone (typhoon), storm, tornado, squall, hail.
- FIRE;
-
MALICIOUS ACTIONS OF THIRD PARTIES:
Malicious actions of third parties under this contract are understood to mean deliberate actions aimed at destroying/damaging the insured property, which can be qualified under the Criminal Code of the RK as:
-deliberate destruction or damage to another's property (including by arson);
-hooliganism;
-theft with illegal entry (into places of keeping, grazing, walking);
-robbery;
-robbery.
Insurance does not cover and does not reimburse losses resulting from actions qualified by investigative authorities other than those indicated above, or committed by the policyholder.
Seizure of animals in accordance with the "Rules for the mandatory seizure and destruction of animals, animal products and raw materials that pose a danger to the health of animals and humans, or their mandatory decontamination and processing without seizure," approved by the Order of the Minister of Agriculture of the Republic of Kazakhstan dated "October 30, 2014, No. 7-1/559, in the event of an outbreak of a particularly dangerous animal disease, within the insurance territory or within a radius of up to 5 km (depending on the selected insurance product).