54 FRANCE - INSURANCE AND THRIFT 



ployees. But the insured person may contribute according to his conven- 

 ience, his personal resources and his special situation if it protects him 

 from certain risks. The elasticity of these rules is very remarkable and well 

 worthy of attention. 



The following are the minimum premiums payable: 



Per hectare of arable land fr. 0.80 



" " " vinevard " 0.90 



" meadow " 0.45 



" " " wood or moor " 0.60 



But the claims granted 



up to 6 hectares amount to " 10. — 



from 16 to 12 hectares » » " 13. — 



12 hectares and upwards » » " 16. — 



Every special risk in addition, i. e. i^'- , accidents to the emplo5'-er or 

 one of his family ; 2°*^-, claims paid to the employees in consequence of 

 temporary disablement; s*"*^-, claims paid to the employer or to any of 

 his family for similar disablement ; requires a supplementary pa3'^ment : 



Per hectare of arable land fr. 0.30 



" " " vineyard " 0.35 



" meadow " 0.15 



" " " wood and mo' r " 0.20 



Altogether the cost of the minimum insurance, together with the three 

 supplementary payments above mentioned, is not very great. It does not 

 exceed : 



Per hectare of arable land ff. 1.70 



" " " vineyard " 1.95 



" " " meadow " 0.90 



" " " moor " 1.20 



For 6 hectares of cultivated land the total minimum contribution 

 amounts to 19 francs, and for a farm of from 6 to 12 hectares it would not 

 be less than 25 francs. This is an inconsiderable expense, if it is borne in 

 mind that it includes the insurance of the emplo5^er and his famil}', as well 

 as of his servants or his temporarj^ employees. 



Of course it is necessary to take into account the amount of the 

 compensation granted in case of accidents. This amounts to 2,000 francs in 

 case of death or of permanent and absolute disablement; to 1,000 francs 

 in case of very serious accident, such as the loss of the use of a limb ; to 

 500 francs for less serious injuries. 



