The agricultural insurance law breaks through again, and the farmers suggest that the flexibility of the insurance policy should be improved, the disaster assessment units should be reduced, and the premium payment mechanism should be changed.

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According to the latest statistics of the Agricultural Finance Bureau, the average annual agricultural loss is 12.6 billion yuan, but the annual cash relief fund is only 3.5 billion yuan, accounting for only 25% of the agricultural loss. The amount of subsidy is far from enough to fill the gap of agricultural loss. In order to stabilize farmers' income, the Council of Agriculture has vigorously promoted "agricultural insurance" in recent years, but the "Agricultural Insurance Law" has been shouted for more than two years. Last year, the draft special law was returned by the Executive Yuan for reasons such as "closed items, insufficient insurance scale, insufficient to estimate agricultural insurance expenditure" and so on. In the absence of a special law basis, there is not only no special unit and fund, but also agricultural insurance policies can only be promoted and tried out at a cow's pace, and "farmers' low willingness to take out insurance" has always become a bottleneck.

This year (107), the Council of Agriculture revised the special law of the Agricultural Insurance Law. How to formulate a detailed plan in order to meet the needs of farmers? "the farmer's idea is very simple. He didn't think of the (agricultural insurance) system, but he paid the money and his Sakya fell all over the land, but he couldn't get a corresponding claim, so he felt cold when he saw it." Li Jiantong, director general of the Taitung Peasants' Association, relayed the psychology of the farmers. Mango farmers in the Liao area also said that some time ago, the wind burning caused the mangoes to become empty bombs, and the harvest could not be compared with that of previous years, and now the agricultural reform units are still surveying the damage. It is not certain whether the compensation will be settled or not. "I have heard that if the mango does not settle the claim this year, people's desire for insurance should be reduced again."

Manager Deng of Cathay Pacific property Insurance said bluntly that the perspective of agricultural insurance law should be balanced, taking into account the thinking of insurance companies and farmers, so that agricultural insurance can be "long and long." the first agricultural employees once again stressed the importance of flexible design of insurance policies and adapting measures to local conditions. The Council of Agriculture promised to complete the Agricultural Insurance Law and send it to the political Yuan again this year.

Expected operation system of agricultural insurance (photo courtesy of / Council of Agriculture)

There is no guarantee for farmers in Taiwan's draft Agricultural Insurance Law. South Korea has taken drastic measures to carry out insurance.

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