Crop Insurance as a Risk Management Strategy in Bangladesh

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3.6 Crop Insurance: some Terminologies 28 3.7 Models of Crop Insurance 30 3.7.1 Traditional Approaches of Crop Insurance 30 3.7.2 Index Based Insurance 31 3.8 Microinsurance: Delivery models 36 3.9 Participation in Crop Insurance Program – Compulsory Vs Voluntary 37 3.10 Crop Insurance Experience at Different Parts of the World 38 3.11 Experiences of Selected Countries with Well Developed Insurance Programs 39 3.11.1 Experience from USA 39 3.11.2 Canadian Experience 40 3.11.3 Experience from Caribbean and South America 40 3.11.4 Crop Insurance – India 40 3.11.5 Whether Developing Countries should adopt Model of Developed Countries? 43 3.11.6 Summary of Experiences from Other Countries 44 Chapter 4: Crop Insurance - Bangladesh Context 47 4.1 Status of Insurance Business in Bangladesh 47 4.2 Micro-insurance in Bangladesh 49 4.3 Crop Insurance Past Experience in Bangladesh 51 4.4 Causes of failure of the crop insurance project in 1977 – 96 53 4.5 Disaster and Subsidy in the Agriculture Sector in Bangladesh 54 4.6 Increased demand for Agri-credit: Agri-bond Disbursement by BRAC 55 4.7 Crop Insurance: Plan to Re-introduce by the Government 55 4.8 Recent Study by Economics Department of NSU: Demand assessment and test of commercial viability of crop insurance in Bangladesh 57 4.9 Climate Insurance Proposals and its Rationale in the Context of Bangladesh 57 4.9.1 AOSIS Proposal 57 4.9.2 Muller Proposal 58 4.9.3 Germanwatch Proposal 58 4.9.4 Towards A Complementary Strategy for Implementing Article 4.8 59 4.10 Donor-supported Disaster Insurance Schemes 59 4.10.1 Index-based Insurance in Malawi 60 Chapter 5: Climate Change and Agricultural Risk in Bangladesh - Future trend and Methodology to Quantify Risk 61 5.1 Agriculture Risk in Bangladesh 61 5.2 Climate Change and its probable impact on the agriculture sector 61 5.2.1 Climate Change Scenario for Bangladesh 61 5.2.2 Effect on the Agriculture Sector: Direct effect 64 5.2.3 Climate change and Disaster: Indirect effect on agriculture sector 65 viii
5.3 Development of a Methodology for Quantification of Risk: Historical and Future Risk from Climate Change 71 5.3.1 Risk Indices 71 5.3.2 Characterizing future changes: Risk from Climate Change 73 5.3.2.1 Components of future changes: Mean and Standard Deviation 73 5.3.2.2 Synthetic generation of future climatic attributes for risk quantification: Monte Carlo Simulation 74 5.4 Data Required for Risk Assessment and Availability 76 Chapter 6: Crop Insurance - Data Collection and Analysis 77 6.1 Field Survey 77 6.1.1 Selection of Survey Sites 77 6.1.2 Selection of Sample and Survey of Farmers 86 6.2 Survey Results 86 6.3 Farmer’s Views on Climatic Effects, Risk Mitigation and Crop Insurance: Focus Group Discussion (FGD) 95 6.3.1 FGD in Lalmonirhat 95 6.3.2 FGD in Pirojpur 96 6.3.3 FGD in Sunamganj 97 6.4 Roundtable Discussion with Policy-makers and Prospective Insurer for CI Program 98 Chapter 7: Summary Findings & Demonstration of a Model of CI for Bangladesh 101 7.1 Summary Findings 101 7.2 Weather Index based Crop Insurance: Demonstration of a Model for Bangladesh 109 7.2.1 A Typical Weather Insurance Contract 121 7.2.2 Prospective Stakeholders for Cop Insurance Program 123 7.3 Way Forward: Proposal to Pilot Weather Index-based CI Model in Bangladesh 124 References 127 List of Tables Table 2.1 Conceptual framework for crop insurance Programme 5 Table 3.1 Risk in the agriculture sector 15 Table 3.2 Risk management strategies in agriculture 22 Table 3.3 Agricultural Insurance at a Glance 24 Table 3.4: Present status of disaster and insurance 26 Table 3.5 Obstacles to implement Crop Insurance in Developing countries 28 ix
Page 1: Crop Insurance as a Risk Management
Page 4 and 5: Crop Insurance as a Risk Management
Page 7: Foreword The impacts of global warm
Page 10 and 11: ILO International Labor Organizatio
Page 14 and 15: Table 3.6 Advantages and challenges
Page 16 and 17: Figure 6.17 Organizational preferen
Page 18 and 19: Therefore, the main objective of th
Page 20 and 21: can be classified under different r
Page 22 and 23: National Reinsurance Scheme: The pu
Page 25 and 26: 1.1 Statement of the Problem Chapte
Page 27: improving day by day and many of th
Page 30 and 31: Individual or area approach: To det
Page 32 and 33: Availability of Trained Personnel:
Page 34 and 35: FGD was mainly conducted among the
Page 36 and 37: outputs were critically analyzed an
Page 38 and 39: Comments specifically related to me
Page 40 and 41: Figure 3.1: Factors causing variati
Page 42 and 43: than ten times, while the global po
Page 44 and 45: Figure 3.8: Change in Palmer Drough
Page 46 and 47: yielding but drought resistant vari
Page 48 and 49: implement from the perspective of p
Page 50 and 51: Table 3.4: Present status of disast
Page 52 and 53: 3.5 Limitation of Crop Insurance: P
Page 54 and 55: amount is measured by the extent of
Page 56 and 57: Contract (SUC). The premium rate fo
Page 58 and 59: Box 3.1: Examples of Parametric or
Page 60 and 61: Therefore, index products are a bit
Page 62 and 63:
3.10 Crop Insurance Experience at D
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3.11.2 Canadian Experience Crop ins
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farmer was 150 percent of the crop
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segments of the population often en
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Chapter 4: Crop Insurance - Banglad
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development of insurance business i
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unanticipated catastrophic natural
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1 st stage ……………………
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Taka 80,000.00 60,000.00 40,000.00
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and requirements of the insurance h
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Defining risk-reduction measures by
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Chapter 5: Climate Change and Agric
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21 1990 CYCLONE 39 127 171099 24289
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ppmv of CO2 combined with a 4 0 C i
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Crop Damage fully ( acre) 4000000 3
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Table 5.5: Partial listing of cyclo
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Figure 5.7: Monthly mean temperatur
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magnitude or an intense or high mag
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Historical monthly values Mean Stan
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6.1 Field Survey Chapter 6: Crop In
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Son of BoroBari now day labor (Curt
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Figure 6.4: Drought prone regions o
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Figure 6.7: Response to disaster al
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Figure 6.10: Agro-ecological sub-re
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season. Sunamgonj, as Haor region,
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% of farmer % of farmer % of farmer
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Page 117 and 118:
Page 119 and 120:
6.3 Farmer’s Views on Climatic Ef
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disastrous affect as such mode of l
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disbursement and Insurance Company
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Chapter 7: Summary Findings & Demon
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an incident occurred and farmers we
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Moral hazards: Theoretically moral
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duration of disaster is important h
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increased to 8.51% in 2003. Such a
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- Referring to crop growth models u
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data, for example, can establish an
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particular gauge station can be com
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Figure 7.6 Defined danger level by
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Methodology to develop an index in
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Structuring the Product Once the in
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did not cross the Weather Index val
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methodology, and applicability can
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References Anderson, J. (2001). Ris
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Linnerooth-Bayer, J., Mechler, R. a
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