Horse-Himalaya-Insurance
Janaki Lenin
Prized beasts.
NO HORSING AROUND

A remote Himalayan village in India runs its own insurance scheme for its extraordinary horses

By Janaki Lenin

Sagnam Village (Himachal Pradesh), India

On a sunny May day last year, with not a cloud to mar the blue sky, Kishan Kumar opened the barn doors and led the whinnying horses and nickering foals out. They joined the steady stream of equine traffic in the narrow alley of Sagnam village on the banks of River Pin in the Spiti region of the northern Indian state of Himachal Pradesh.

People moved aside to give way. The meditative eyes of the Buddha gazed from the walls of houses and shops as they walked past. They crossed a frozen section of the river and climbed up into the hills in the western margin of the Tibetan plateau.

After an hour’s walk, the men accompanying the animals stopped. With a last look around, they left the horses to their devices and returned. The animals would free-range for the following months with no human in sight.

By the time spring turns to summer, trickles of snowmelt course down the mountains, transforming River Pin, which separates the village from its pastures, into a roaring river. The currents are too strong to wade through, and horses are skittish about walking on rickety bridges spanning the river. So the villagers have no choice but to let the animals free-range.

Kumar and his community worry about losing horses during the summer months. The culprits aren’t horse rustlers but snow leopards and brown bears. The predators pick the time and place of attack with impunity.

Leaving animals to free-range may seem cavalier, but the community has little choice because they must work elsewhere to make ends meet. To cover their losses, people insure their horses. But there’s no insurance company involved. Instead, villagers run their own scheme, an innovative insurance program that compensates owners for the loss of their precious horses.

These are, after all, not ordinary horses.

While man and any other beast can become breathless and nauseous, neither snow nor heat fazes these animals.

For centuries, ancestors of Kumar transported salt, carpets, and silks over the high mountain passes between Tibet and India on the backs of these muscular Chamurti horses. Spiti became the Indian homeland of this indigenous breed after the 1962 Sino-Indian War ended trade with Tibet. Sagnam, the largest village in Pin Valley, owns the largest number of the horses.

In the old days, Changpa traders from neighbouring Ladakh purchased most of these descendants of the Prezwalski’s horse that run wild across the steppes of Central Asia. They valued the breed’s unique ability to work hard in the thin mountain air. While man and any other beast can become breathless and nauseous, neither snow nor heat fazes these animals. The tough beasts of burden climb rocky mountainous paths without stumbling, while their natural gait allows horsemen to stay in the saddle for hours.

Janaki Lenin
The River Pin separates horse pastures from the village.

Demand for the ponies shot up in 2012, when the Indo-Tibetan Border Police sought these steeds for deployment along India’s mountainous borders. Inhabitants of Pin Valley began rearing more horses for the market. With higher profits at stake, the loss of animals to predators hurts more.

Kumar had a lot of aspirations riding on his animals. If all went well, in November, his three-year-old colts would fetch a good price, between Rs50,000 and Rs80,000 each. A stallion can sell for as much as Rs1,50,000 at the Lavi Fair in Rampur Bushahr, 300 km away. For most of the 300-year-old fair’s history, merchants from Tibet, Afghanistan, Ladakh, and Kinnaur gathered there. These traders from neighbouring countries no longer visit, but it still remains the largest trade festival in the western Himalayas.

When horses fetch such high prices, one would expect people to watch over them. Until a decade ago, families took turns camping in the meadows and guarding the horses in the summer months. But this changed when they began cultivating green peas as a cash crop for high profits. Members of every family worked flat out in the fields. Once a week, someone from the village trekked up to collect dung and check on the animals.

Notwithstanding the minimal oversight of their animals, villagers outside Pin Valley admire the horse breeders of Sagnam. “They value their horses greatly,” says Tanzin Thinley, a villager from Kibber, 50 km away, a regular visitor to Sagnam. “When their mares are pregnant in winter, they sleep next to them. They take care of their animals’ every comfort. We don’t do so much work.”

For a breed so highly prized, the Himachal Pradesh Forest Department paid a measly Rs1,500 as compensation for the death of a horse until 2014. This was hardly any succour for the embattled villagers. In autumn, they slogged from dawn to dusk for days to gather enough forage to feed the horse throughout the six-month-long winter. This naturally caps the number of horses a family can own. They also set aside their own comforts to make sure their animals lacked for nothing. Although they don’t estimate their investment in man-hours, they scoffed at the state’s meagre offering.

The long-winded bureaucratic process also tried the patience of villagers, and they detested the long bumpy bus ride to Kaza, the sub-district headquarters, to file their claims. Eventually, their frustration with the department and helplessness in preventing losses aroused hostility against wildlife.

“When their mares are pregnant in winter, they sleep next to them. They take care of their animals’ every comfort.”

Rancorous villagers could go to the extent of poisoning carcasses, killing snow leopards, brown bears, and scavengers. If the antagonism towards these wild animals went unchecked, wildlife would suffer, feared conservationists. Something had to be done before it was too late.

In 2013, Nature Conservation Foundation volunteered to fund an insurance program. If villagers were willing to pay a nominal amount for each animal, the Mysore-based non-profit would invest one-and-a-half times that amount to create the capital. By then, the foundation already supported five schemes in seven other villages in Ladakh and Spiti, in aid of snow leopards.

A three-person committee, elected by villagers, administers the scheme. It fixes the annual premium amount—between Rs480 and Rs720 depending on the age and sex of the animal. Even unborn foals are insured as soon as mares become pregnant. Any cause of death—disease or predators—is covered.

“We only show them the possibility,” says Ajay Bijoor of Nature Conservation Foundation, who oversees the project. “But it’s their decision what premium to collect, what rules to impose, and how to manage the scheme.”

But the organisation stipulated one rule: only 60% of the total capital can be used to settle claims, and the remaining 40% should be held in reserve. If the annual claims were less than 60%, affected families got the full assured sum. Each claim could range between Rs5,000 and Rs12,000, again depending on the age and sex of the horse. If the losses were more, 60% of the capital was divided among the affected families.

“The 60-40 rule is a safety against fraudulent claims,” says Yash Veer Bhatnagar, senior scientist at the Nature Conservation Foundation. “If someone cheats the system, the other villagers will not keep quiet since their own claims will be reduced.”

Almost bankrupt

This past year almost bankrupted the scheme. One late summer evening, Kumar’s neighbour, who had visited the pastures that day, gave him the bad news. One of his foals was nowhere to be seen, and its mother was wandering alone. A team of men found the half-eaten carcass and a neat pile of its eviscerated guts covered by leaves and grass. Feces of a brown bear lay nearby.

Since the insurance program began, by a quirk of fate, losses have mounted. In the first year, villagers lost four animals, and six horses in the second. During this past year, snow leopards and brown bears killed nine foals in five days, one of the worst losses in memory. Despite insurance, the families lost a sizeable chunk of income since the insured sum is far less than the market value.

Janaki Lenin
Fodder stored on the flat roofs of houses in Sangam village for the winter.

Before they lost the three remaining foals, villagers hired a guard to watch over them, and the rest of the season passed uneventfully. In November, Kumar and his fellow villagers rounded up the horses and brought them back to Sagnam. They led the animals not meant for sale into the barns and transported the others to the Lavi Fair, where Kumar sold two.

Kumar blames the weather for the catastrophic year. “Since the time of our ancestors, we gave the far reaches of our pastures—those areas where horses don’t graze—on lease to the gaddhis,” explains Kumar. Livestock belonging to these nomadic shepherds from the foothills buffers the horses from predators.

Last year, however, the snow in the high mountain pass lasted a long time so the gaddhis reached the pastures late in the season. Winter set in early, and the gaddhis left. So, the horses bore the brunt of predator attacks. Brown bears caused about 70% of the damage, according to Kumar. “This is also the first time bears caused severe losses,” he says.

Although horse owners receive just a fraction of the animal’s market value from the insurance program, they were happy to get something rather than nothing according to Kumar. “We tend to think people want to be compensated the full market value,” adds Bijoor. “But people are happy with what they get for the premium they pay.”

For the summer of 2016, the villagers aren’t taking any chances. They plan to hire a guard or two because more losses could mean the collapse of the insurance scheme.

Back in Kumar’s dark barn, the only surviving foal is already a yearling. And one of the mares is heavily pregnant, and expected to deliver any day now. Kumar sleeps by her side.