インドタミルナドゥ州の最脆弱農業気候ゾーンにおける降雨量不足保険支払い

摘要

Weather based insurance is a resilience strategy adopted by farmers. It is intended to provide protection to the cultivator against declined rainfall, which is deemed to adversely affect the crop during its cultivation period. It is becoming popular nowadays in India due to high fluctuation in rainfall and other climate related parameters. The present paper provides a method to compute the initial premium for each crop based on the premium structure given by Agricultural Insurance Company of India Limited, New Delhi. For this, the duration in each stage of selected crop identified by Crop Production Guide(2005) jointly published by Tamil Nadu Agricultural University and Department of Agriculture, Government of Tamil Nadu and 30 years of rainfall data from Indian Meteorological Department (IMD) were used. The payout structure was derived for each stage of the selected crop in the respective district. The strike or upper threshold of the rainfall corresponds to the 30 year average accumulated rainfall of the district reference weather station while the exit or lower threshold is intended to equal the water requirement of the respective crop necessary to avoid complete crop failure. This way, the weather based crop insurance acts as a resilience mechanism for rainfall uncertainties.