Livestock Insurance,
Made Accessible
VetOS is building digital cattle insurance workflows for brokers, agents, and insurers. An initial cattle enrolment and health monitoring flow is developed. Pilot and field validation are pending; VetOS has no live veterinary network or commercial field operations.
Digital Cattle Insurance Workflows
— End to End
VetOS is developing workflows to connect veterinarians, brokers, agents, and insurers. The services below describe the intended operating model, subject to partner onboarding and field validation. VetOS does not sell or recommend insurance.
Cattle Insurance Workflow
The initial enrolment and health monitoring flow is the starting point for planned insurance documentation, KYC, and policy lifecycle support. Insurance integrations and operational delivery remain to be validated with partners.
Field Veterinary Inspection
Digital workflows are designed to support certified veterinary inspections, including Body Condition Scores, photographs, location, and ear tag records. Field delivery requires veterinary partnerships; no live veterinary network is currently in place.
Digital Policy Document Delivery
Planned workflows would support secure storage, WhatsApp delivery, and tracking of insurer-issued policy documents. Delivery, hosting, and audit arrangements require partner validation. Policy issuance remains solely with the licensed insurer.
Multilingual Farmer Communication
WhatsApp-led farmer engagement is part of the initial flow. Multilingual enrolment, policy, and claim messaging is intended to expand through pilots, with language coverage and message quality validated before deployment.
FPO & Partner Network Support
VetOS is seeking partnerships with Farmer Producer Organisations, rural distribution networks, and community partners to validate the operating model before scaling across Indian states.
Claims Workflow Support
Planned claims workflows would structure documentation, support inspection scheduling through partners, and share status updates. These capabilities require pilot validation. All claim decisions remain solely with the licensed insurer; VetOS does not assess, approve, or reject claims.
Developing Intelligence
for Livestock Workflows
VetOS is developing AI-enabled capabilities for risk assessment and inspection support, exploring machine learning and computer vision. These capabilities are not field-validated or in live underwriting use; performance must be evaluated through pilots.
Risk Scoring Development
Planned risk assessment would explore cattle health, breed, age, location, and inspection records to support insurer review. Models, data requirements, and predictive performance remain to be developed and validated; pricing decisions remain with the insurer.
Claims Anomaly Detection Development
Proposed anomaly detection would compare claim evidence with enrolment records to flag inconsistencies for human review. Model effectiveness and operational suitability require pilot data and validation before use.
Computer Vision for Cattle Assessment
Computer vision is being explored to support review of cattle inspection photographs and Body Condition Scores. Veterinary assessment remains essential; model accuracy and suitability have not been field-validated.
Explainable AI Design Goals
Explainability and traceable model outputs are design goals for future AI support. Audit requirements and explanations will need validation with partners. All underwriting and claim decisions remain with the licensed insurer.
Insurance Updates
on WhatsApp
The initial flow uses WhatsApp-led engagement and health check-ins. The insurance messages below illustrate planned partner workflows; language coverage, delivery, and field coordination remain subject to pilot validation.
Simple. In Your Language.
No Paperwork.
Our aim is to make cattle health and insurance updates accessible on familiar phones. Policy delivery and veterinary visit notifications depend on future partner integrations and field validation.
Messages are only ever sent after the farmer has agreed to receive them. Any farmer can stop at any time by simply replying STOP.
Multilingual messaging is a design goal. Hindi, Tamil, and Telugu examples illustrate the approach; supported languages and translations will be confirmed through pilot validation.
No message is ever sent to a farmer who has not first agreed to receive it. The farmer is always in control of what they receive.
Planned insurance messages include policy documents, claim updates, and renewal reminders, subject to consent and partner integration.
How It Works
The proposed partner journey below is designed for pilot testing. Field validation has not commenced, and veterinary delivery and insurance integrations are not yet operational.
Farmer Identification
In a pilot, participating partners would identify eligible farmers and obtain permission for WhatsApp engagement in a supported language.
Consent & Verification
The proposed workflow records farmer consent and would support KYC through authorised partners. KYC integrations and documentation requirements need validation before deployment.
Vet Inspection & Enrolment
A partner veterinarian would inspect cattle and capture identification and health evidence through validated digital tools. Veterinary partnerships, field tools, and any AI inspection support remain subject to development and pilot validation.
Policy Issued & Claims Supported
After partner integration, insurer-issued policy certificates could be delivered via WhatsApp, with planned digital documentation and updates to support claims. Insurers retain all issuance and claim decisions.
Designed for Insurance Workflow Compliance
Insurance, privacy, hosting, and security requirements inform the design. Implementation and applicable requirements must be reviewed with partners before pilot or commercial deployment; no regulatory approval or independently validated compliance status is claimed.
Insurance Workflow Compliance Design
VetOS is a technology workflow platform and does not sell, solicit, or recommend insurance. The proposed model reserves underwriting and issuance for licensed insurers and distribution for appropriately licensed intermediaries. Audit workflows require validation before deployment.
Privacy by Design
The proposed data model prioritises informed consent, data minimisation, access controls, and appropriate retention. Detailed privacy practices and applicable obligations will be confirmed before field data collection; current implementation is not represented as independently verified.
India Data Residency
India-based hosting is a design objective. Hosting providers, messaging arrangements, and cross-border data flows must be assessed and confirmed before deployment; exclusive India residency is not currently asserted.
WhatsApp Business API
Production messaging is intended to use approved WhatsApp Business arrangements, required templates, consent, and opt-out controls. Provider setup and operational readiness require confirmation before deployment.
Fair Practice Guidelines
Future partner onboarding will include review of applicable insurance and financial intermediary requirements. No established distribution network is claimed. The intended workflow uses only necessary information.
Data Security Standards
Encryption, role-based access, audit logging, and incident response are security design requirements. Implementation, provider settings, and applicable reporting obligations require verification before deployment.
Privacy Policy
Updated: November 2026. This section describes proposed privacy practices for planned pilots, not live insurance operations. Data categories, providers, retention, and controls will be confirmed in a participant privacy notice before field data collection.
1. Who We Are
VetOS Intelligence is developing cattle enrolment, health monitoring, and insurance workflow technology. Pilot and field validation are pending. The practices below describe the intended partner model and do not imply active insurance deployments.
VetOS does not sell, solicit, negotiate, or recommend any insurance product. All insurance products are owned and underwritten by IRDAI-approved insurers and distributed solely by IRDAI-licensed brokers and agents.
Data protection roles and responsibilities will be confirmed for each pilot and partner arrangement before data collection. Contact: operations@vetosintelligence.com
2. Data We Collect
For planned pilots, only necessary data will be requested after the scope, purpose, consent, and safeguards have been confirmed. Proposed categories include:
- Identity data: Full name, village, district, state, identity verification details only where necessary and authorised; any Aadhaar handling requires separate review before implementation
- Contact data: Mobile number (WhatsApp-capable, 10-digit)
- KYC data: Verification status from authorised KYC providers. No financial data such as loan amounts or credit scores is ever collected.
- Cattle data: Breed, age, sex, ear tag ID, Body Condition Score, GPS coordinates of inspection location, inspection photographs
- Insurance data: Policy number, premium, coverage amount, claim details, claim photographs
- Communication data: WhatsApp message interaction logs, language preference
We do not collect biometric data, financial account details, or any data beyond what is listed above.
3. How We Use Your Data
Proposed uses, subject to the pilot notice and applicable consent, include:
- Supporting the insurance workflow operated by the licensed broker or agent configured for your region — including enrolment, KYC, inspection scheduling, and claims coordination
- Completing KYC verification as required by IRDAI guidelines
- Scheduling veterinary inspections for cattle enrolment
- Sending insurance communications via WhatsApp in your preferred language
- Providing digital workflow infrastructure for claims documentation and inspection scheduling on behalf of the licensed insurer and broker
- Meeting regulatory obligations to IRDAI, the DPDP Act 2023, and MeitY
Your data will not be used for any purpose beyond supporting the insurance workflow of the licensed broker or agent operating this platform, without your separate explicit consent.
4. Consent
VetOS processes your personal data on the basis of your informed, explicit consent. Your consent is obtained when you reply affirmatively to the VetOS introduction message (for example: YES, பாம், हा୕, or the equivalent in your language).
Your consent is recorded with a time and date stamp in our system. No personal data processing or WhatsApp outreach is initiated before your consent is received and logged.
You may withdraw your consent at any time by replying STOP to any VetOS WhatsApp message, or by contacting us at operations@vetosintelligence.com. Withdrawal of consent will not affect the validity of any insurance policy already issued to you.
5. Data Sharing
Potential recipients, subject to confirmed partner arrangements and the participant notice, include:
- IRDAI-licensed insurance broker or agent — the licensed broker or agent through whose registration the relevant insurance product is facilitated
- IRDAI-approved underwriting insurer — for policy issuance and claims processing
- Authorised KYC service providers — for digital identity verification where required
- WhatsApp Business Service Provider — our official Meta-approved messaging partner, used solely for message delivery
- India-based cloud provider — provider and data flows to be confirmed before deployment
We do not sell, rent, or share your personal data with advertisers, marketers, or any third party not listed above.
6. Data Retention
- Active policyholders: Retention period to be confirmed with the insurer and applicable requirements before deployment
- Farmers who did not opt in: Proposed deletion within 30 days of the consent window expiry, subject to confirmed requirements
- Farmers who opted out: Removed from the active pipeline immediately; an anonymised count is retained for regulatory audit only
- Claim records: Retention period to be confirmed with the insurer and applicable requirements before deployment
- Partner source data files: Encrypted files received from distribution partners are deleted from our systems within 24 hours of successful ingestion
7. Your Rights under DPDP Act 2023
Under the Digital Personal Data Protection Act 2023, you have the following rights as a Data Principal:
- Right to Information: To know what personal data we hold about you and how it is used
- Right to Correction: To correct inaccurate or incomplete personal data
- Right to Erasure: To request deletion of your personal data, subject to legal retention obligations
- Right to Grievance Redressal: To file a complaint with our privacy contact
- Right to Nominate: To nominate another individual to exercise your rights in the event of your death or incapacity
To exercise any of these rights, contact our privacy contact at operations@vetosintelligence.com or reply PRIVACY to any VetOS WhatsApp message.
8. Data Security
- Planned India-based hosting; provider eligibility and data flows require verification
- Identity data collection and protection will be reviewed before any implementation
- Encryption at rest and in transit is a design requirement, subject to implementation verification
- Role-based access is a design requirement, subject to implementation verification
- Incident response and notifications will follow applicable requirements confirmed before deployment
9. Contact Our privacy contact
For questions about this Privacy Policy, to exercise your data rights, or to file a complaint:
- Email: operations@vetosintelligence.com
- WhatsApp: Reply PRIVACY to any VetOS message
- Address: VetOS Intelligence LLP (LLP No. ACX-7491), Madurai, Tamil Nadu, India
If you are not satisfied with our response, you may escalate to the Data Protection Board of India under the DPDP Act 2023.
Responsible by Design
Farmer & Community First
VetOS Intelligence is committed to responsible innovation — building technology that protects farmer livelihoods, respects data privacy, operates transparently within India's regulatory framework, and contributes to the financial inclusion of underserved rural communities.
Committed to Net Zero
We recognise our responsibility to the planet. Our planned digital workflows aim to reduce paperwork and avoidable travel; environmental benefits have not yet been measured in field operations. We are committed to operating on carbon-neutral cloud infrastructure and to achieving net-zero emissions across our technology operations by 2030.