What is Small Livestock Life Insurance?

Small livestock farming is deeply rooted in the DNA of Anatolia, yet it is the production model most vulnerable to risks. Lightning striking a flock grazing in the pasture, a wolf entering the fold and killing the livestock, or a sudden outbreak of an epidemic (Blue Tongue, Sheep Pox, etc.) decimating the flock… These scenarios are a nightmare for the breeder. Small Livestock Life Insurance is a state-subsidized insurance product that compensates the value of the animals in the event of death or compulsory slaughter of sheep, goats, rams, and bucks registered in the Ministry of Agriculture and Forestry’s systems (HAYBİS/TÜRKVET) due to the risks specified in the policy.

At Panacea Insurance, we offer this insurance—the most critical part of “Flock Management”—with the assurance of TARSİM and under the most favorable payment terms.

State Subsidies and 2026 Discounts

Our state views small livestock farming as a strategic sector and provides significant support for premiums:

• 50% Premium Subsidy: The state covers half of the policy premium as a grant. The breeder only pays the remaining half.
• Contract Farming Discount (10%): As of 2026, the discount rate applied to breeders engaged in contract farming has been increased from 5% to 10%.
• Disease-Free Enterprise Discount (15%): The discount applied to enterprises certified as disease-free (for females aged 12 months and older) has been increased to 15%.
• Women and Young Farmer Discount: An additional 5% premium discount is applied to women and young farmers under the age of 40.

Which Package Should You Choose?

TARSİM offers options for small livestocks according to your budget:

1. Comprehensive Tariff (Full Protection)

This package protects your flock from “A to Z”:

• Diseases: All kinds of common and infectious diseases (including notifiable diseases such as PPR, Sheep Pox, etc.).
• Birth Complications: Deaths due to difficult labor, uterine rupture, etc.
• Accidents and Disasters: Wild animal (Wolf) attacks, snake bites, floods, storms, lightning.
• Poisoning: Deaths caused by toxic plants or feed.

2. Narrow Scope Tariffs (Economic)

These do not cover diseases; they focus only on accidents and disasters. There are two options:

• Narrow Scope-1: All animals in the enterprise are insured. Includes accidents, wild animal attacks, natural disasters, and fire.
• Narrow Scope-2: Only females aged 12 months and older (Breeding stock) are insured. It is more economical.

Which Animals Can Be Insured?

For acceptance into TARSİM, animals must be tagged and registered. The age limits are as follows:

• Sheep and Goats: From the 11th day – up to 5 years old (including age 5).
• Rams and Bucks: From the 11th day – up to 5 years old.
• Note: Lambs younger than 7 days are not accepted for insurance. Do not forget to add new lambs to the policy with an endorsement once they reach 11 days old.

What Should You Do at the Time of Loss?

Deaths in small livestock farming can be sudden. Follow these steps to ensure you don’t lose your right to compensation:

1. Immediate Notification: When your animal dies or falls ill, report it as soon as you notice the situation (within 24 hours at the latest) by calling ALO TARSİM 172 or via the TARSİM Mobile app.
2. Keep the Ear Tags: Cut and keep both ear tags (if present) of the deceased animal. The adjuster will want to see these tags. No payment is made for untagged animals.
3. Intervene: It is mandatory to call a veterinarian and treat a sick animal. Compensation may be rejected for an animal left to die without treatment.

Are Your Other Livestock Branches Secure?

If you also have dairy cattle in your enterprise, you should protect them with Livestock Life Insurance. Additionally, if you engage in beekeeping in your pasture areas, don’t forget to get Beekeeping Insurance to protect your hives against bear attacks and storms. Holistic protection means full peace of mind.

Which Situations are Covered?

Common questions from breeders:

Situation	Payment Status (Comprehensive Scope)
Death due to Wolf Attack	✅ Paid
Death due to Blue Tongue Disease	✅ Paid
Lamb Death at Birth	✅ Paid
Theft (Stolen from the Fold)	✅ Paid (With Additional Coverage)
Death of an Untagged Animal	❌ Not Paid (Unidentified)

For TARSİM small livestock insurance premium calculation and policy inquiry, you can visit the official TARSİM (Agricultural Insurance Pool) website. Panacea Insurance is the shepherd’s friend and the flock’s assurance.

In conclusion, Small Livestock Life Insurance is the invisible shepherd dog of your capital roaming the hills. Take your precautions before illness or accidents strike.
Let your flock not diminish with Panacea Insurance; may your bounty overflow.