Livestock, Farm, and Fisherman Insurance ~ Insurance Academy
Livestock, agriculture, and fisheries are business sectors that are actually very vulnerable to losses. In fact, the need for agricultural and plantation products, fisheries and animal husbandry such as rice, corn, fish, and meat are the basic needs of people in Indonesia. Therefore, the government encourages insurance to provide protection for the risks they face.
Asuransi Jasindo, which is a state-owned insurance company, has a product called Jasindo Agri. Jasindo Agri is a form of protection for farmers, ranchers and fishermen to get comfort and security in carrying out their activities so that they can focus on better, safer and more profitable management of farming, livestock and fishing businesses.
Insurance Protection Through Government Programs
As an insurance company appointed by the government as the program implementer, Jasindo Agri has several insurance products that receive support from the government, including:
1. Rice Farming Insurance (AUTP)
Provide protection to farmers from the threat of crop failure risk as a result of the risk of flooding, drought, disease and attack by Plant Pest Organisms.
a. Premium : Rp 180,000, – (government assistance 80% premium to Rp 36,000, -)
b. Coverage: Maximum insured price is IDR 6,000,000 per hectare
c. Farmer criteria: Cultivators or farmers who own a maximum of 2 hectares
d. Land criteria: Irrigation land or rainfed land close to water sources
e. Compensation:
– The age of rice has passed 10 days of planting (DAT)
– The age of rice has passed 30 days (table/gogo rancah)
– Damage intensity 75%
– Damage area 75% per natural tile
2. Cattle Business Insurance (AUTS)
Provide protection to cattle farmers from the threat of risk of death due to childbirth, disease and accidents as well as loss due to theft.
a. Premium : Rp. 200,000,- (government assistance 80% of premium to Rp. 40,000,-)
b. Coverage: Maximum insured price is IDR 10,000,000 per cow
c. Criteria for breeders: Breeders / Breeders & Small scale breeders regulated by law
d. Cow Criteria:
– Breeding Cows / Female Cattle
– Minimum productive age of 1 year
– Have a clear identity (eartags, fuel stamps, cattle cards, etc.)
– Cows are in good health
e. Compensation : According to the Sum Insured minus the proceeds from the sale of meat (in the case of forced slaughter of cattle)
3. Fisherman Insurance
Provide protection to fishermen from the threat of risk of death both during fishing activities and outside activities.
a. Premium : IDR 175.000,- (100% paid by the government)
b. Benefit :
– Compensation for accidents due to fishing activities
– Compensation for accidents due to other than fishing.
c. Fisherman Criteria:
– Have a valid fishing card
– Have a savings account or make a statement of ability to have a savings account.
– Using fishing vessels with a maximum size of 10 (ten) Gross Tonnage (GT)
– Maximum age 65 years*
Non Government Program Insurance Protection
In addition to government programs, Jasindo also provides non-government program insurance. The protection of this agricultural business includes insurance for cattle business, corn farming, independent fishermen insurance by providing protection to cattle farmers from the threat of death due to childbirth, disease and accidents as well as loss due to theft. In addition, this insurance product also provides protection to farmers from the threat of crop failure risk as a result of the risk of flooding, drought, disease and attacks by Plant Pest Organisms. This insurance will also provide protection for fishermen from the threat of death risk while carrying out fishing activities or outside these activities. The terms and conditions of the guarantee can be adjusted to the business needs of the customer
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