台灣農民保險概況之研究A Study of General Situation on Taiwanese Farmers Insurance

摘要
　　農民保險制度自1989年開辦至今，財務幾乎年年處於虧損狀態，本研究分析整理我國農民保險過去及現況之資料，歸納相關文獻研究，並探討農民保險虧損原因及現存的問題。研究結果發現：政府對農保保費補助的比例過高，保險費計算基礎不符合保險原理。投保資格認定較寬鬆，被保險人資格難以認定。農民保險年齡無上限規定，以致被保險人年齡高齡化，重殘給付比例高。因農保代理人聲稱可代為辦理申請農保給付而從中詐領，導致給付件數、給付金額也相對成長。
關鍵詞：農民保險
Abstract
　　Ever since its establishment in 1989, farmers insurance system almost receives deficit yearly. This study focused on the past and present situation of farmers insurance, collecting of data and summarizing previous relevant researches of farmers insurance to understand the cause of deficit as well as existing issues and offering suggestions to the related authorities. The empirical results showed the ratio of subsidies from government to the premium of farmers insurance is too high, the basic calculation principle of premium is substandard. Insurance qualification is overly loose to identify the qualification of insured. Farmers insurance has no maximum limit on the insured age which results in aging of the insured age and a high proportion of severe disability payments. The agents of farmers insurance claim to substitute disabled clients in applying for benefits of farmers insurance which is deemed as fraud, this resulted in the relative growth of payment numbers and amounts.
Keywords: farmers insurance