For those of you who are struggling in the business of agriculture, may not need to be alarmed again with the risk of crops that overshadowed crop failure. Now the government through the ministry of agriculture issued insurance program to subsidize the cultivation of crops.
This activity is an insurance program that aims to reduce the risk of crop farming. This insurance can be followed by farmers or farm laborers who cultivate the plants. The government took one of the state-owned company to do the job.
The amount of premium to be paid by the participants fairly cheap, at only $ 4 per hectare in one growing season with coverage of up to $ 300. The amount of the insured value proportional to the area planted, for example to half a hectare of land enough to pay half of it and get half the coverage also , Insurance costs to be cheap because the government subsidizes premiums as much as 80% of the total premium to be paid.
Premium rate calculations are based on the following assumptions:
a. Assumptions cultivation costs of $ 300 per hectare in one growing season.
b. Large insurance premiums 3% of the production cost of $ 10.
c. Government-subsidized premiums by 80% or $ 12 worth.
d. Farmers pay a premium of $ 4 per hectare.
e. Sum insured in case of crop failure of up to $ 300 per hectare.
f. The risk is guaranteed by the insurance institutions are as follows:
g. Coverage period of one season from planting to harvest (4 months).
h. The risk borne by including floods, droughts, and certain Plant Pest Organisms.
Not all pests covered, covered such as pests such as rats, brown planthopper, stinky, stem borer, armyworm. While the disease among others blast, Tungro, brown spots, stem rot, hollow dwarf.
i. Insurance claims can be filed if the damage caused by crop failure reached 75%.
j. Insurance companies will assess the losses it claims.
k. Assured paid no later than 14 days after the claim is submitted.
How do follow it?
Indeed, at the level of implementation of insurance follow this a little bit complicated, because through two phases of selection by the government in this regard to the Ministry of agriculture department of agriculture and insurance services firm. First farmers had joined the group of farmers who undertake the cultivation of plants. The business activities are considered as a whole at risk. Thus, the program is not yet accommodate individual directly.
Then the farmer groups assisted Agricultural Extension Workers fill in the registration form provided by the government. Then the officer will recapitulate the participants and submit it to the authorities municipal level. And so on until the last official provincial level and the Director General of the Ministry of Agriculture Infrastructure farming to be determined.
The process of self premium payments from participants paid to local city, then the receipt must be submitted to the insurance officer to obtain an insurance certificate. The insurance company will charge 80% premium to the government subsidy.
Furthermore, in case of crop failure, the insurance company will assess the losses. Coverage will be given a maximum of 14 days from the filing of the claim. Insurance money will be transferred directly to the bank account disepekati. Do not forget, if successful efforts premium money forfeited.
This activity is an insurance program that aims to reduce the risk of crop farming. This insurance can be followed by farmers or farm laborers who cultivate the plants. The government took one of the state-owned company to do the job.
The amount of premium to be paid by the participants fairly cheap, at only $ 4 per hectare in one growing season with coverage of up to $ 300. The amount of the insured value proportional to the area planted, for example to half a hectare of land enough to pay half of it and get half the coverage also , Insurance costs to be cheap because the government subsidizes premiums as much as 80% of the total premium to be paid.
Premium rate calculations are based on the following assumptions:
a. Assumptions cultivation costs of $ 300 per hectare in one growing season.
b. Large insurance premiums 3% of the production cost of $ 10.
c. Government-subsidized premiums by 80% or $ 12 worth.
d. Farmers pay a premium of $ 4 per hectare.
e. Sum insured in case of crop failure of up to $ 300 per hectare.
f. The risk is guaranteed by the insurance institutions are as follows:
g. Coverage period of one season from planting to harvest (4 months).
h. The risk borne by including floods, droughts, and certain Plant Pest Organisms.
Not all pests covered, covered such as pests such as rats, brown planthopper, stinky, stem borer, armyworm. While the disease among others blast, Tungro, brown spots, stem rot, hollow dwarf.
i. Insurance claims can be filed if the damage caused by crop failure reached 75%.
j. Insurance companies will assess the losses it claims.
k. Assured paid no later than 14 days after the claim is submitted.
How do follow it?
Indeed, at the level of implementation of insurance follow this a little bit complicated, because through two phases of selection by the government in this regard to the Ministry of agriculture department of agriculture and insurance services firm. First farmers had joined the group of farmers who undertake the cultivation of plants. The business activities are considered as a whole at risk. Thus, the program is not yet accommodate individual directly.
Then the farmer groups assisted Agricultural Extension Workers fill in the registration form provided by the government. Then the officer will recapitulate the participants and submit it to the authorities municipal level. And so on until the last official provincial level and the Director General of the Ministry of Agriculture Infrastructure farming to be determined.
The process of self premium payments from participants paid to local city, then the receipt must be submitted to the insurance officer to obtain an insurance certificate. The insurance company will charge 80% premium to the government subsidy.
Furthermore, in case of crop failure, the insurance company will assess the losses. Coverage will be given a maximum of 14 days from the filing of the claim. Insurance money will be transferred directly to the bank account disepekati. Do not forget, if successful efforts premium money forfeited.
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