What is Livestock Life Insurance?

Livestock farming is a business that requires patience and labor, as well as high capital. The loss of a dairy cow or a feeder calf is not only an emotional blow but a serious economic disaster for the enterprise. An unexpected disease, complications during birth, eating poisonous weeds, or an accident in the barn… All of these can melt away a producer’s capital in an instant. Livestock Life Insurance is a state-supported insurance product that compensates for the value of the animal in the event of death or forced slaughter of livestock registered in the Ministry of Agriculture and Forestry registration systems (TÜRKVET) due to the risks specified in the policy.

As Panacea Insurance, we secure your animals—which we view as “Living Assets”—under the TARSİM guarantee, ensuring the sustainability of your business.

How Much of the Premium Does the State Pay?

In order to support livestock farming, the state contributes significantly to the premiums:

• Standard Support (50%): In Comprehensive and Narrow Coverage-1 tariffs, 50% of the policy premium is covered by the state as a grant.
• Narrow Coverage-2 (60% Support): In this special tariff, which is intended only for female dairy cattle aged 20 months and over and does not cover diseases, state support has been increased to 60% as of 2025.
• Discounts: Premiums are further reduced with additional discounts such as Young Farmer, Female Farmer, and Disease-Free Enterprise (15% – 2025 Innovation).

Comprehensive or Narrow Coverage?

TARSİM offers two different options based on your budget and risk perception. It is very important to know the difference:

1. Comprehensive Tariff (Most Preferred)

This package covers almost everything that can happen to the animal:

• All Kinds of Diseases: Infections, metabolic diseases, etc.
• Pregnancy and Birth: Death or forced slaughter during birth.
• Surgical Intervention: Complications from surgery.
• Abortion/Miscarriage (NEW 2025): As of 2025, “Pregnancy Loss (Abortion)” coverage has also been added.
• Accidents and Natural Disasters: Fractures, snake bites, floods, storms, etc.

2. Narrow Coverage Tariff (Economic Option)

It does not cover diseases; it focuses only on accidents and disasters. It has lower premiums:

• All kinds of accidents (Falls, entrapment, electric shock).
• Wild animal attacks, snake/insect bites.
• Natural disasters, fire, and heatstroke.

Are Other Living Beings on Your Farm Safe?

You should spread your risk by placing not only your livestock but also other branches of production on your farm under the TARSİM guarantee. As Panacea Insurance, we are with you in all branches:

• If you are breeding sheep, goats, or rams, you can protect your flock against epidemic diseases with Small Livestock Life Insurance.
• If you grow your own forage crops (alfalfa, silage corn, etc.), you should secure the crops in your field against hail and drought with Crop Insurance.
• To protect the general income balance of your farm and avoid being affected by price fluctuations, you can evaluate Income Protection Insurance options.

2025 TARSİM Innovations

Very important updates have been made for 2025 in livestock insurance:

• Abortion Coverage: For female dairy cattle aged 20 months and over, pregnancy loss (abortion) is now included in the coverage.
• Disease-Free Discount: The discount rate applied for disease-free enterprises has been increased to 15%.
• Increase in State Support: State support in the Narrow Coverage-2 tariff has been increased from 50% to 60%.

What Should You Do in Case of Loss? (24-Hour Rule)

The most critical issue in animal life insurance is “Timely Notification.” The procedure is as follows:

1. Notification Within 24 Hours: You must report the situation to the TARSİM Call Center (172) as soon as you notice it (within at most 24 hours).
2. Veterinary Intervention: You are obliged to have the necessary veterinary intervention performed on the sick animal.
3. Preserving Ear Tags: You must keep the ear tags of the dead animal and deliver them to the adjuster.

You can review the official website of TARSİM (Agricultural Insurance Pool) for general conditions and coverage details of TARSİM animal life insurance. Panacea Insurance ensures that your farm is insured with veterinary sensitivity.

In conclusion, Livestock Life Insurance is the greatest guarantee for the continuity of livestock farming. Insure your animals with the awareness that “the cow in the barn is more valuable than the tractor in the field.”
With Panacea Insurance, let your flock be bountiful and your earnings be permanent.