An insured event under this contract is recognized as an event characterized by probability and chance, resulting in the death, forced slaughter, or loss of insured animals only as a result of:
- INFECTIOUS DISEASES;
- INVASIVE DISEASES;
- NON-INFECTIOUS DISEASES – (diseases caused by various injuries and diseases of internal organs. They arise mainly as a result of a combination of internal and external environmental factors adversely affecting the animal's body (intrauterine development disorders, 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 when the animal drowned, fell into a ravine, or received other traumatic injuries incompatible with life, including water, causing real property damage to the insured;
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DANGEROUS NATURAL PHENOMENA AND (OR) NATURAL DISASTERS:
-floods, inundations, submersion, high water, freshet, tsunami, mudflow, avalanche (including snow avalanches), landslide, rockfall;
-whirlwind, hurricane (hurricane wind), cyclone (typhoon), storm, tornado, squall, hail.
- FIRE;
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MALICIOUS ACTS OF THIRD PARTIES:
Malicious acts of third parties within the framework of this contract are understood as intentional actions aimed at destroying/damaging the insured property, which may be qualified in accordance with the Criminal Code of the Republic of Kazakhstan as:
-intentional destruction or damage to someone else's property (including arson);
-hooliganism;
-theft with unlawful entry (into places of keeping, grazing, walking);
-robbery;
-armed assault (robbery).
Insurance does not cover and does not compensate for losses resulting from actions qualified by investigative bodies otherwise than specified above, or committed by the insured.
Seizure of animals in accordance with the "Rules for 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 neutralization (disinfection) 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 territory of insurance or beyond the territory of insurance within a radius of up to 5 km (depending on the selected insurance product).