ความเต็มใจจ่ายการประกันภัยลำไยของเกษตรกรในจังหวัดเชียงใหม่

Abstract

Crop insurance is insurance that provides coverage for damage or loss to insured crops caused by the perils specified in the policy. Insurance in agriculture is directly aligned with SDGI (No Poverty) and SDG13 (Climate Action). By stabilizing farm incomes through insurance payofi's, it can help in reducing poverty and promoting climate initiatives. However, crop insurance is not as successful in Thailand as it should be. Only 1,053 farmers or 2.15% of total in-season longan farmers participated in this crop insurance. The objectives are to study the willingness to pay (WTP) for longan crop insurance and factors affecting the WTP for longan crop insurance in Chiang Mai province. The data were collected from 400 longan farmers in Chiang Mai by using questionnaires. First, the average of WTP for longan crop insurance premium value was 198.55 baht/rai/year whereas the current premium of insurance company was 300 baht/rai/year. The factors affecting the WTP the longan insurance premium were longan planting area, proportion of non-agricultural income on total income, income from longan planting, farmers' grouping, satisfaction in the amount of coverage, and loss from natural disasters affecting longan production. Therefore, the government should publicize and educate farmers on the benefits of crop insurance. The greater number of participants will lead to lower insurance premiums and incentivize new farmers to join the program.