A Study on Present Situation of Farmers'' Insurance

• Main Authors: Cong-Jhih Yang, 楊聰智
• Other Authors: Ching-Hao Chen
• Format: Others
• Language: zh-TW
• Published: 2010
• Online Access: http://ndltd.ncl.edu.tw/handle/46453731719586471592

碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 98 === This study analyzes the present situation and cause of problem of farmers'' insurance, we generalize past references, review history changing, then collect and analyze the related data. The empirical results show that：1. The number of the insured and the premium amount are significant different in different regions. 2. The number of the insured is significant different among different age levels. 3. The number of the insured, the number and the amount of claims are significant different among male and female. 4. The number and the amount of the maternity benefit are significant different between the insured and the insured''s spouse. 5. Factors of claims payment such as type, region, sex and age are related to each other. 6. The number and the amount of claims are significant different on different payment types, region and age. At the end, we propose several advises to our government：1. Be sure the competent authority of farmers'' health insurance. 2. To view the qualification of insured strictly, prevent the abuse of farmers’ insurance eligibility for insurance and improper insurance transfer situation for old-ages. 3. To correspond to insurance principles, we need to adjust the premium rates, monthly payment amount and ratio of insurance subsidy. 4. To prevent the farmers'' insurance frauds more actively. 5. Improve the situation about the farmers'' insurance financial loss. We hope our government can establish a fair and efficient farmers'' insurance regulation, take care of all farmers and be able to let them enjoy their nice rural lifes.