An insured event under this contract is considered an event that has the characteristic of probability and randomness and is expressed in the death, forced slaughter, loss of insured animals only as a result of:
- INFECTIOUS DISEASES;
- INVASIVE DISEASES;
- NON-INFECTIOUS 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 that adversely affect the animal's body (intrauterine development disorders, early weaning, poor feeding, colds, non-compliance with milking rules, unsanitary conditions);
- ACCIDENT: explosion, lightning strike, electric shock, sunstroke or heat stroke, hypothermia, asphyxiation (suffocation), animal attacks, poisoning by poisonous herbs or substances, snake or insect bites, as well as when the animal drowns, falls into a ravine, or receives 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, high water, floods, tsunamis, mudflows, avalanches (including snow avalanches), landslides, rockfalls;
-whirlwinds, hurricanes (hurricane winds), cyclones (typhoons), storms, tornadoes, squalls, hail.
- FIRE;
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MALICIOUS ACTIONS OF THIRD PARTIES:
Malicious actions of third parties under this contract are understood as intentional actions aimed at destroying/damaging insured property, which can be qualified under the Criminal Code of the Republic of Kazakhstan as:
-intentional destruction or damage to someone else's property (including by arson);
-hooliganism;
-theft with unlawful entry (into places of keeping, grazing, walking);
-robbery;
-robbery attack (robbery).
Insurance does not cover and does not compensate for losses resulting from actions qualified by investigative authorities other than those specified above, or committed by the insured.
Withdrawal of animals in accordance with the "Rules for the compulsory withdrawal and destruction of animals, products and raw materials of animal origin that pose a danger to the health of animals and humans, or their compulsory neutralization (disinfection) and processing without withdrawal," approved by the Order of the Minister of Agriculture of the Republic of Kazakhstan dated "October 30, 2014, No. 7-1/559," in case of an outbreak of a particularly dangerous animal disease, on the insurance territory or beyond the insurance territory within a radius of up to 5 km (depending on the selected insurance product).