Farmers package policies

Insurance Company Reliance General  IFFCO TOKIO (Kisan Suvidha Policy) United India (Farmer Package policy) United India (Dairy Package policy)
Standard Fire and Special Peril Policy Yes. For Building and content (Plan A SI 50000, Plan B SI 100000 for combined with theft peril). For agricultural implements and stocks (Plan A SI 50000, Plan B SI 100000 for combined with theft peril). Yes building and contents of household, stocks of farm produce within compound and not for personal consumptions under fire policy. Earthquake is add on. Not for stocks in open by rainwater damage. For jewelry liability not exceeds 20% of SI. Yes for building and contents including farm produce. Excluding stocks kept at open.
Burglary and housebreaking Yes for same contents insured as above. Not for stocks in open. Yes covered.
Agricultural Pumpsets Not Covered. Not Covered Yes covered.
Animal Driven Cart Yes. Accidental damage to cart (10000 SI in both plans), Death/disablement to animal (2000 SI both plans), TP Liability (25000 SI  in both plans), PA to driver (10000 SI in both plans). Not Covered Yes covered.
Livestock/Cattle Insurance Not Covered. Not Covered Yes covered.
Janata Personal Accident Not Covered. Not Covered NA
Personal accident Yes Insured person (25000 SI in both plans), Non earning spouse (12500 SI in both plans), First two children each (10000 SI in both plans) Yes up to PPD. For insured and family at home named in the schedule. Yes covered.
Bio Gas Plant Not Covered. Not Covered Not Covered.
Television set/VCP/VCR Yes Television due to fire and allied perils including earthquake/burglury/ breakdown (1000 SI in both plans). Loss to property due to collapse of antennae or mast forming a part of television apparatus (3000 SI in both plans). Yes. Falling of TV and aerial fittings and masts. Impact damage by falling trees, poles and like is covered. Damage resulting from civic authorities in attempt to spread fire. Yes covered.
Agricultural Tractors Not Covered. Yes used for agricultural and forestry purposes only. OD, TP, PA to owner driver. Towing disabled vehicles. Yes covered.
Loss or damage to vehicle insured Not Covered. Not Covered Not Covered.
Legal liability Yes (25000 SI for both plans). Not Covered Not Covered.
Critical Illness Not Covered Yes. Paralytic stroke, cancer, renal failure, coronary artery disease, major organ transplant, major injuries, end stage liver disease, major burns, coma, multiple sclerosis is covered. Not Covered.
Pedal Cycle Yes covered.
Tiny Sector and village and cottage Industries Yes covered.