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    बालि तथा पशुपंक्षी बिमा

    aLdf P]g, @)$( sfmf *-3@_ n] lbPsf] clwsf/ k|of]u u/L aLdf ;ldltnsd g]kfn ;/sf/n] Joxf]g]{ Joj:yf ;d]t eO{ ;s]sf] 5 . O{R5's aLdf sDkgL -aLds_ x¿n] lgb]{zgsf] clwgdf /xL aLdf ;ldltaf6 :jLs[lt lnP/ afnL tyf kz'k+IfL ;DaGwL aLdfsf] ;]jf ;+rfng ug{ ;Sg]5g\ . aLdsn] afnL tyf kz'kG5L aLdfsf] nflu k|rlnt sfg"g adf]lhdsf] JolSt, ;+ul7t ;+:yf, ;d"x cflbnfO{ aLdf clestf{sf] ?kdf sfo{ u/fpg ;Sg]5 . afnL tyf kz'kG5L aLdfdf sfo{ ug]{ sd{rf/L tyf cfkm'n] lgo'Qm u/]sf afnL tyf kz'kG5L aLdf ;DaGwL sfo{ ug]{ aLdf clestf{nfO{ sfddf nufpg' k"j{ aLdf sDkgL -aLds_ n] afnL tyf kz'kG5L aLdf ;~rfng, Joj:yfkg, ljt/0f tyf bfjL e'QmfgL k|s[of ;DaGwdf cfwf/e't tflnd lbg' kg]{5 . s[ifs -aLldt_ x¿n] clestf{sf] ;xof]udf dfly pNn]lvt afnL, kz'k+IfL tyf df5fkfng aLdfn]vdf tf]lsPsf] ;t{ adf]lhd lgwf{l/t k|:tfj kmf/d e/L cfˆgf] Joj;fosf] aLdf u/fpg ;Sg]5g\ . aLdf clestf{n] aLdf u/fP jfkt sldzg kfpg] Joj:yf ul/Psf] 5 . aLdf ubf{ Kf|:tfj kmf/dsf] ;fy ;DalGwt k|fljlwssf] k|df0fkq ;d]t k]z ug'{ kb{5 . k|fljlws AolQm eGgfn] afnL aLdfsf] xsdf s[lif ;]jf s]Gb jf dfGotf k|fKt lzIf0f ;+:yfaf6 s[lif laifodf cfwf/e"t 1fg xfl;n u/L ;DalGwt lgsfoaf6 ;f] ;DaGwdf sfo{ ug]{ Ohfht k|fKt JolQm / kz'kG5L aLdfsf] xsdf kz' ;]jf s]Gb|, pks]Gb|sf k|fljlws jf e]6]/Lg/L h]=l6=, h]=l6=P=jf u|fdL0f kz'kG5L :jf:Yo sfo{stf{ jf dfGotf k|fKt lzIf0f ;+:yfaf6 kz'kG5L lrlsT;f÷kz'kG5L lj1fg ljifodf 1fg xfl;n u/L ;DalGwt lgsfoaf6 ;f] ;DaGwdf sfo{ ug]{ Ohfht k|fKt JolQm egL kl/eflift ul/Psf] 5 . afnL tyf kz'k+IfL aLdf lgb]{zg, @)^( / ljleGg afnL, kz'k+IfL tyf df5f ;DaGwL aLdfn]vdf pNn]v ePsf s]xL d'Vo c+zx¿ tkl;ndf lbO{Psf] 5 .  

    afnL tyf kz'kG5L aLdfsf] aLdf z'Ns sldzg ;DaGwL Joa:yf

    qm=;+=

    afnL tyf kz'kG5L aLdfsf] lsl;d

    aLdf z'Ns

    sldzg

    !=

    afnL aLdf

    aLdfÍsf] % k|ltzt -k|lt afnL_

    aLdfz'Nssf] !%k|ltzt

    @=

    kz' aLdf

    aLdfÍsf] % k|ltzt -k|lt aif{+_

    aLdfz'Nssf] !% k|ltzt

    #=

    kG5L aLdf

    Joj;flos

    aLdfÍsf] ^ k|ltzt k|lt ;d"x -Jofr_

    aLdfz'Nssf] !% k|ltzt

    3/kfn'jf

    aLdfÍsf] % k|ltztk|lt ;d"x -Jofr_

    ;b:o ;+:yf dfkm{t aLdf ePdf s"n aLdf z'Nsdf !% k|ltzt 5'6sf] Joj:yf 5 . df5fsf] aLdfz'Ns

           Ps jif{ jf ;f] eGbf sd cjlwsf] nflu kflng] df5fsf] aLdfz'Ns aLdfÍ /sdsf] b'O{ -@_ k|ltzt x'g]5 . t/ laif]z ;3g k|lalw cg';f/ df5f kfng ul/Psf] cj:yfdf aLdfz'Nsdf bz -!)_ k|ltzt 5'6 lbO{g]5 .

           df5fsf] aLdf cjlw Go"gtd tLg-#_ dlxgfsf] x'g]5 . kf]v/L÷/];j]df e'/f /fv]sf] kGw| -!%_ lbg leq aLdf u/L ;Sg'kg]{5 .

           aLldtn] df5f kfngsf] nflu tof/ ul/Psf] kf]v/L÷/];j]sf] aLdf ug{ rfx]df To:tf]

           kf]v/L÷/];j]sf] aLdfÍ /sdsf] Ps-!_ k|ltzt aLdfz'Ns e'QmfgL u/L ;Dk'li6 åf/f yk ;'/If0f lng ;lsg]5 .

    ;'/If0f x'g] afnLsf] If]qkmn / nfut

    afnLsf] nfutM– afnLsf] aLdf ubf{ afnL nufpFbfb]lv afnL kfSbf;Dd nfUg] nfut d"No s[lif ljsf; dGqfno dfkm{t pknAw u/fPsf] cfwf/e"t nfut ljj/0f jdf]lhd x'g]5 . Go"gtd If]qkmnM– k|To]s s[ifsn] ;'/If0f ug{ kfpg] afnLsf] Go"gtd If]qkmn kxf8df cf7 cfgf -cfwf /f]kgL_ / t/fO{df Ps s¶f x'g' kg]{5 . ;f] eGbf sd If]qkmndf nufO{Psf] afnLsf nflu aLdfn]v hf/L ul/g] 5}g .

    ;'/If0f x'g] kz'kG5L wgsf] clwstd aLdfÍsf] l;df / pd]/

    clwstd aLdfÍM– a}+s jf ljQLo ;+:yfaf6 C0f lnO{ v/Lb u/]sf], cfkm\g} uf]7df x's]{sf] jf cfkm\g} nufgLaf6 v/Lb u/]sf] kz'kG5Lwgx¿sf] :yflgo d"Nosf] cfwf/df aLdfÍ /sd b]xfo adf]lhd x'g]5 M s_ ufO{e}+;L

    ufO{

    pGgt

    :yfgLo

    afR5L -! jif{;Ddsf]_

    ?=#),)))÷–

    ?=!),)))÷–

    afR5L -! jif{b]lv dflysf]_

    ?=&%,)))÷–

    ?=@%,)))÷–

    b'wfn'

    ?=!,%),)))÷–

    ?=%),)))÷–

    jf ;f]sf] jf:tljs d"No h"g sd x'G5 ;f] ;Dd .

    e}+;L

    pGgt

    :yfgLo

    kf8L -!* dlxgf;Ddsf]_

    ?=#),)))÷–

    ?=!%,)))÷–

    kf8L -!* dlxgf dflysf]_

    ?=^),)))÷–

    ?=#),)))÷–

    b'wfn'

    ?=!,@%,)))÷–

    ?=&),)))÷–

    jf ;f]sf] jf:tljs d"No h"g sd x'G5 ;f] ;Dd .

    v_  k|hggsf] nflu kflnPsf] k|lt /fFuf] tyf ;fF9]sf] a9Ldf ?=&),))).– -;Q/L xhf/_ jf ;f]sf] jf:tljs d"No h"g sd x'G5 ;f] ;Dd . u_       9'jfgL jf hf]Tgsf] nflu k|lt uf]? Jff /fFuf]sf] ? $)=,))).– -rfln; xhf/_ jf ;f]sf] jf:tljs d"No h"g sd x'G5 ;f] ;Dd .

    3_ gfs÷rf}/L

    afR5L

    ?=!@,)))÷–

    sf]/]nL

    ?=@%,)))÷–

    b'wfn'

    ?=%),)))÷–

    jo:s ofs

    ?=*),)))÷–

    jf ;f]sf] jf:tljs d"No h"g sd x'G5 ;f] ;Dd .

    ª_ df;'sf] nflu kflnPsf e]8f afv|f tyf a+u'/sf] cflbsf kf7fx¿sf] pd]/ cg';f/ :yfgLo ahf/ d"No jf a9Ldf ?=*,))).– -cf7 xhf/_ x'g]5 .

    r_ kf7f kf7L pTkfbgsf nflu kflng] dfpsf] d"No a9Ldf b]xfo adf]lhd x'g]5 M

           afv|f / e]8f ?=!),))).–

           a+u'/ ?=!),))).–

    5_ df;', rNnf tyf c08fsf] nflu kflng] xfF; jf s'v'/fsf] d"No b]xfo adf]lhd x'g]5 M

    a|f]On/ -cf7 xKtfsf]_-df;' pTkfbg ug]{_

    ?=$))÷–

    n]o;{ -c08f kfg]{_

    ?=&)).–

    x\ofr/L -rNnf kfg]{_

    ?=!,@)).–

    xfF; -c08f kfg]{_

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    xfF; -df;' pTkfbg ug]{_

    ?=^)).–

    pd]/ M kz'wgsf] aLdfof]Uo pd]/ -Go"gtd / clwstd_ b]xfo adf]lhd x'g]5 M–

           :yfgLo tyf pGgt hftsf] ufO{ @ aif{ -cyjf klxnf] j]t ePsf]_ b]lv !) jif{;Dd

           e};L # aif{ -cyjf klxnf] j]t ePsf]_ b]lv !@ jif{;Dd

           :yfgLo tyf pGgt gZnsf] afR5L–sf]/]nL jf kf8Lsf] ^ dlxgfb]lv @ jif{;Dd

           k|hggsf] nflu pGgt gZnsf] ;fF9] jf /fFufsf] # jif{b]lv & jif{;Dd

           9'jfgL jf hf]Tgsf] nflu uf]? Jff /fFuf # jif{b]lv !@ jif{;Dd

           e]8f, afv|f / a+u'/ # dlxgfb]lv las|Lsf nflu tof/ x'Gh]n;Dd .

    df5f kfngsf] nflu Go"gtd @)) ju{ ld6/sf] kf]v/L / slDtdf tLg -#_ lkm6 kfgLsf] ulx/fO{ ePsf] kf]v/L x'g' kb{5 t/ 6«fp6 df5fsf] xsdf k|fljlwssf] l;kmfl/; cg';f/sf] ;+/rgf ePsf] x'g' kg]{5 .

    afnL tyf kz'kG5Lsf] aLdfÍsf] xsdf k|To]s aif{ tYofÍ x]/L cfjZos  k'g/fjnf]sg ug{ ;lsg]5 tyf lgb]{zgdf ;dfj]z gePsf afnL, kz'kG5L tyf cGosf] aLdfÍsf] xsdf ;DalGwt dGqfno dfkm{t pknAw ePsf] tYofÍnfO{ cfwf/ dfgL lgwf{/0f ug{ ;lsg]5 .

           kz'kG5Lsf] d"No, hft / kflng] If]q cg';f/ km/s km/s x'g ;Sg]5 .

           kz'kG5Lsf] d"NofÍg ubf{ k|:tfljt kz'kG5Lsf] pd]/, :jf:Yo l:ylt / pTkfbsTjsf] cfwf/df ug'{ kg]{5 .

           t/ o;/L lgwf{/0f ul/g] d"No :yfgLo ahf/df rn]sf] d"No eGbf a9L x'g] 5}g .

           aLdf ul/Psf] afnL tyf kz'kG5Lsf] aLdf cjlwleq Iflt ePdf Ifltsf] d"NofÍg ;DjlGwt laz]if1÷k|fljlwsaf6 u/fpg' kg]{5 .

    aLdfn]vn] /Iffj/0f ug]{ hf]lvdx¿

    b]xfosf s'g} sf/0faf6 wfgafnL, t/sf/L, kmnkm"n, cfn', k+IfL / df5f aLdf cjlwleq xfgL gf]S;fgL ePdf aLdsn] aLdfÍ /sdsf] () k|ltzt /sd aLldtnfO{ e'QmfgL ug]{5 M

    -wfgafnL, t/sf/L, kmnkm"n, cfn', k+IfLsf] xsdf_

    -s_ cfunfuL, r6\ofª,

    -v_ e"sDk,

    -u_ af9L÷8'jfg ÷v8]/L,

    -3_ klx/f]÷e":vng,

    -ª_ cfFlwa]x/L, cl;gf, lxpFm jf t';f/f],

    -r_ cfsl:ds÷b'3{6gfhGo afx\o sf/0fx¿,

    -5_ ls/f tyf /f]uaf6 x'g] xflg–gf]S;fgL

    -Dff5fsf] xsdf tnsf yk a'Fbf ;d]t_

    -h_ clS;hgsf] sld, Pdf]lgofaf6 x'g] gf]S;fgL, -em_ laiffn' kbfy{af6 d/]df .

    kz'wgsf] xsdfM aLDffsf] cjlwleq kz'wgsf] ljj/0f tflnsfdf pNn]v eP adf]lhdsf kz'wgx¿sf] Iflt÷xflggf]S;fgL ePdf b]xfo adf]lhdsf] Ifltk"lt{ /sd aLdsn] ;DalGwt kIfnfO{ e'QmfgL ug]{5 .

    s_ d[To' ePdf aLdfÍ /sdsf] () k|ltzt

    v_ k"0f{ :yfoL ?kdf czQm ePdf aLdfÍ /sdsf] %) k|ltzt

    bfaL ;DaGwL k|s[of

    aLdfn]vn] /Iffj/0f u/]sf] hf]lvdx¿sf sf/0faf6 aLldt df5f / k+IfLsf] xfgL gf]S;fgL ePdf ;ft -&_ lbgleq / wfg, t/sf/L, kmnkm"n, cfn' / kz'wgsf] xsdf !% lbgleq jf ;f] cjlwleq ;+ej gePdf ;f]sf] sf/0f ;lxt ;+ej x'gf;fy  a}ª\s÷;b:o ;+:yf dfk{mt b]xfosf sfuhftx¿ aLds ;dIf k]z ug'{ kg]{5 .

    s_ ;Ssn aLdfn]v

    v_ k"0f{ ?kn] el/Psf] bfaL kmf/fd,

    u_ ;DalGwt k|fljlwssf] k|ltj]bg -kz' / k+IfLsf] xsdf d[To' k|df0f–kq_

    3_ g=kf=÷uf=lj=;=÷j8fsf] ;h{ldg d'r'Nsf jf df5f, kz'wg / k+IfLsf] xsdf slDtdf ;aeGbf glhssf] b'O{ -@_ hgf l5d]sLsf] ;h{ldg d'r'Nsf