Beitragsnovellierung in der landwirtschaftlichen Unfallversicherung - Notwendigkeit und Vorschläge

Many German farmers do no longer accept the annual premiums forthe state accident insurance, which sometimes reach a considerabledegree. The farmers are of the opinion that the specific accident riskof each farm has to be taken into account. So far, the agrarian professionalassociations as representatives of the state accident insurance,predominantly measure the premium standards by acre/hectare which no longer fulfils the equivalence principle.The merger of some agrarian professional associations, whichtake place at present or are planned in the near future, should beregarded as an opportunity to institutionalize new and more appropriatepremium standards. They have to be adapted anyway, as amerger usually means the standardization of two or more differentpremium standards. Inevitably there will be redistributions of thepremium burden. The present time is ideal to use simultaneously apremium standard that is viable in the future.This essay analyses the predominantly used premium standardsand suggests appropriate methods to measure future standards.