The policy covers (a) females calves/Heifers (cross bred or indigenous) – 4 months to 32 months of age and (b) male indigenous calves – 4 months to 24 months – sum insured as per valuation table of the insurers. Policies for female calves and male calves are issued up to a maximum age of 32 months or 24 months respectively at a stretch if premium for the entire period is paid in advance. Otherwise annually renewable policies. Policy to indemnify in the event of death of insured calves/heifers due to accident or disease during the policy period of insurance.