Milking Insurance Benefits Lead Woman To Disguise Dead Cow As Insured Cattle


This could be the model of Gujarat for some villagers across India. In a bid to take advantage of some insurance benefits, Ratanben Bhutadiya from a small village in Memadpur, Banaskantha district, fought to claim insurance for a cow who was living because his old cow died soon after. soon after the new purchase.

Living off a piece of land and providing milk from his cow allowed Ratanben to live a square life. However, the bare necessities were subject to the vagaries of the season and of course to the milking days of the cows. “In order to make ends meet, she got another cow and for that she took out a loan from Dena Bank under the Pashu Kisan credit card scheme. However, according to banking rules, the purchase had to be insured,” explained Jitu Choudhary, a social activist from Memadpur.

Meanwhile, her first cow died but sensing an opportunity to milk an advantage, she tried to pass off the dead as insured. “When we went to inspect, we found that the cow had black paint on its head and its horns were deliberately bent. This was made to match the specifications of the cow that was insured. However, the claim was rejected because the specimen from the insured cow did not match the one that died,” said Banaskantha-based PJ Chauhan, who investigates dead cattle for the National Insurance Company.

However, not one to let go, Ratanben escalated the matter and went to Palanpur Consumer Court to seek ‘justice’. The case dragged on for almost two years. To bolster her case, she submitted all the insurance paperwork and argued that there must have been “a mistake on the part of the investigator as the cow was checked at night”. She demanded insurance of Rs 40,000 plus 12% interest for the delay. An additional Rs 10,000 was requested for the application process and mobbing.

Court records:

National Insurance Company attorney RA Thakkar presented the cow’s autopsy report which confirmed that paint had been applied to the dead cow. Based on this and other claims, the Palanpur Consumer Court ruled in favor of the insurance company.

Explaining further, Rupesh Khambati of the NIC added: “Any such claim is cross-checked with the tag attached to the animal. It is easy to detect readjustment or such malpractice and in Ratanben’s case she affixed the tag of the insured cow to the one that died.

Such fraud is not uncommon, shares retired police inspector NB Solanki, who investigates the suspicious allegations. “Since the insurance companies are closed on Saturday and Sunday, people only come to be inspected by the company on Monday. During these two days, the dead animal is sent to the chamar (leather manufacturers). When the owner comes with the ears, the rot has already set in and the insurance claim becomes easy by just showing the tag number.

Adding that insurance companies are aware of these practices, he explains how the ear tag review in cases that arise on Mondays is of paramount importance.

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