Hello Everyone! Agricultural sector businesses deemed high risk effort against the dynamics of nature and susceptible to pests and diseases that result in a decrease in the production of a result even failed harvest as well as the risk of price fluctuations so that the income of farmers is decreasing.Because of that we need to introduction of agricultural insurance for minimize the risk.
Soo What is agricultural insurance?
Agricutural insurance is insurance who has many goals like this :
Types of Farmers Entered into the Farmers Insurance Category
Plants that can enter into plant insurance are only crops that are food crops, horticulture, and plantations only. This insurance is called Asuransi Usaha Tani Padi (AUTP). AUTP provides guarantees for damage to the insured plant caused by floods, droughts, and attacks the OPT (Organisms Pest plants) in the form of plant pests and diseases of plants.
Terms of indemnity : Age of rice has passed 10 days (10 days after planting / HST). The age of rice has passed 30 days (tabela technology). The damage intensity reaches ≥75% and the extent of damage reaches ≥75% in each natural plot area.
Livestock businesses that can enter into livestock insurance are only nonruminansia, and monogastrik/pseudoruminant. This insurance is called Asuransi Usaha Ternak Sapi ( AUST ).Risk guaranteed: cows die of disease, accidents, childbirth, and theft.
How to Get this Insurance?
Farmers can register very easily to get this farm insurance. Farmers can start through various data collection that will be done by the District Service or the city.
After the data has been stored in the database of County Government then will be submitted to the provincial government which will be sent to the Ministry of Agriculture through the Directorate General.
After the above processes have been completed and approved then farmers can fill out the registration form as potential insurance users.
If the data are already available and have been verified by the Government so farmers can get started by doing meeting with insurance company.
Socialization About Agricultural Insurance Program
This socialization has several stages to be passed as through a petition to become a prospective member of agricultural insurance and then proceed with the determination and selection of various insurance risks along with payment of premiums.
Issuance of insurance policy will be done after registration and payment of premium received by insurance from farmer. All phases are completed and claims can be made by the farmer after the farmer reports the damage and the loss and receives the approval from the insurer.
While the insurance pay scheme is divided into 2 types, namely:
On this premium payment, the Government has the burden of payment of 80% and 20% is farmer to pay duty. The requirement are :
If the farmer is a farmer peasants then farmers have no private agricultural business lands. Land under cultivation also should not be more than two hectares.
If farmers have private land then farm work no more than two hectares. Is horticulture, gardens, farmers or ranchers on a small scale.
farmers who want to join the insurance must be incorporated into farmer groupsand is an active member within the group. This acceptance will give priority to the farmers who belong to the agriculture sustainable food. If farmers receive aid premiums, then farmers should implement a farm or ranchwith good and earnest.