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KMID : 1124020210370020057
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Korean Social Security Studies
2021 Volume.37 No. 2 p.57 ~ p.79
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A Study on the Improvement of Farmers’ Accidents Insurance
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Kim Jin-Soo
Han Ki-Myung
Nahm Jae-Wook
Choi Seung-Hoon
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Abstract
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This study analyzed accidents insurance for farmers, which is operated in the form of private insurance and sought evaluation and improvement measures from the perspective of social security. The results are as follows. First, the low-income class was excluded due to voluntary participation, and spouses were excluded despite being family-oriented farmers. The low-risk younger generation avoided the problem of adverse selection. Second, the moral hazard phenomenon has intensified due to private management in the form of the government treasury. Third, it was found that the farmers’ accident insurance did not sufficiently reflect the characteristics of the farmers’ accidents in the business. This private insurance factor for compensation for agricultural accidents was limited in fulfilling the social security function of agricultural accidents. Therefore, it is necessary to urgently improve the social security role of compensation for agricultural disasters. Furthermore, we should shift to social security for all economically active population including farmers in a long-term perspective.
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KEYWORD
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Farmers’ accident insurance, Adverse selection, Moral hazard, voluntary membership, accident protection regime
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