You must have heard about life insurance, health insurance or property insurance, but have you ever heard about yak insurance?

The Himalayan yaks are going to be insured against natural calamities and accidents by National Insurance Company Ltd. (NICL) for the first time.

The National Research Centre on Yak (NRCY), located in Kameng district of Arunachal Pradesh, has tied up with the insurance company to secure yak farmers against the losses incurred by them due to the death of their cattle.

Declining Population Of Yaks 

India has 58,000 yaks residing in the high altitudes of Arunachal Pradesh, Sikkim, Himachal Pradesh and Ladakh.

The Himalayan Yak

These bovine species are susceptible to attacks by wild animals and natural calamities like heavy rainfall, landslides, storms, etc.

Due to such unfavourable weather conditions, the population of yaks has declined in the past few years.


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As per a report, yaks in India have declined by 24.7% between 2012 and 2019. In 2019 alone, 500 yaks died in Sikkim because of heavy rainfall.

Yak-rearing is a main source of income for many nomadic communities living on the heights of the Himalayan region. The increasing number of deaths of yaks results in huge losses and trouble for the yak farmers.

So, in order to safeguard farmers against the incurred losses, the National Insurance Company has agreed to give insurance to the Himalayan yaks of India.

The Yak Insurance Policy

The insurance policy will shield the yak farmers against risks posed by natural disasters, in-transit mishaps, diseases, riots, surgical operations and strikes.

To get benefits from this policy, the yak owners are required to get their yaks ear-tagged and prepare a proper description to get their yaks insured.

The insurance can be claimed only after the yak owner submits the completed claim form, death certificate from a veterinary practitioner, post-mortem report and the ear tag of the yak.

It also provides for a 15- day waiting period to claim the insurance amount. Thus, the death of an animal due to any disease within 15 days from commencement of risk is not payable.

According to Dr. Mihir Sarkar, the Director of the National Research Centre on Yak (NRCY), the yak insurance policy will prove to be a big boon for the yak owners throughout the country and will give a fillip to yak conservation.

Hence, this is good news for all the yak owners living in India who don’t have to worry about incurring losses due to animal deaths.


Image Credits: Google images

Sources: The Indian Express, The Hindu, The Indian Wire

Find the blogger: @fulara_richa

This post is tagged under Himalayan yak, yaks, yaks of India, National Insurance Company, NRCY, NCL, National Research Institute on Yak, yaks, climate change, environmental conservation, global warming, natural calamities, Indian yaks, endangered species, animal, endangered animals, Sikkim yaks, Ladakh yaks, Arunachal Pradesh, Kameng, kameng district, India, northeast region, Himalayan region, Himalayas, Himalayan animals, Indian species, yak conservation, sustainable development, yaks to get insurance, yak insurance, yak insurance policy, insurance of animals, yak rearing, yak owners, yak farmers, nomadic communities, pastoral areas, pastoral communities, nomads of India


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