Insurance almost appears in all areas of social life from human life, health to daily activities such as money, construction, ... And even in agricultural production (cultivation, animal husbandry) insurance also contributes, agricultural insurance plays an important and essential role for farmers to limit damages caused by risks.
- Supporting 90% of agricultural insurance premiums for poor farmers / Vietnam will cooperate with Switzerland as agricultural insurance
Under the provisions of the amended Insurance Business Law 2010 : Agricultural insurance is a non-life insurance business, with insurance coverage being risks arising in the field of agricultural production and rural life. including risks associated with: crops, livestock, supplies, goods, factory materials.
Agricultural activities often face the following risks:
- Weather risks: are risks associated with unpredictable and unpredictable weather phenomena.
- Risks of agricultural production: risks related to factors such as pests, diseases in plants and animals ...
- Economic risks: risks related to fluctuations in prices of agricultural products and input materials due to unpredictable fluctuations of the market.
- Financial risks and commercial activities: these risks are caused by the impact of other production sectors on agriculture.
- Institutional risks: are risks arising from state agricultural policies.
- Environmental risks: risks due to negative impacts of external activities affecting agricultural production environment.
In the face of such risks, it can be seen that agricultural insurance plays a very important role, reducing losses to farmers against unintended risks such as:
- Agricultural insurance contributes to limiting production-related risks, ensuring a stable source of income for farmers;
- Agricultural insurance helps farmers feel assured of production, increasing labor productivity;
- Agricultural insurance provides a certain amount of capital for farmers.
Previously, the Prime Minister once signed Decision 315 / QD-TTg (amended and supplemented by Decision 358 / QD-TTg ) on the pilot implementation of agricultural insurance applied in the 2011-2013 period. Accordingly, the support level of the State and the beneficiaries is given as follows:
- Support 100% premium for farmers and poor agricultural production households participating in pilot agricultural insurance.
- Support 90% of insurance premiums for farmers and individuals near poor in agricultural production to participate in piloting agricultural insurance
- Support 60% of insurance premiums for farmers and non-poor individuals and agricultural producers participating in pilot agricultural insurance.
- Support 20% of insurance premiums for agricultural production organizations participating in pilot agricultural insurance.
Individuals and organizations engaged in agricultural production supported must meet the following conditions:
- Subject to the following insurance:
- Insurance for rice in Nam Dinh, Thai Binh, Nghe An, Ha Tinh, Binh Thuan, An Giang, Dong Thap.
- Insurance for buffaloes, cows, pigs and poultry in Bac Ninh, Nghe An, Dong Nai, Vinh Phuc, Hai Phong, Thanh Hoa, Binh Dinh, Binh Duong and Hanoi.
- Insurance for catfish, basa, tiger shrimp, white shrimp in Ben Tre, Soc Trang, Tra Vinh, Bac Lieu and Ca Mau.
- Have covered benefits.
- Participate in the pilot of agricultural insurance and pay premiums under their responsibility.
- Implement production, cultivation, animal husbandry, rearing and epidemic prevention according to the regulations of the Ministry of Agriculture and Rural Development.
However, agricultural insurance has only been piloted until now, but there are no specific regulations. Therefore, in order for agricultural insurance to come to life, functional departments need to research and build a process that is suitable to the actual conditions.
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