Design and Evaluation of a Digital Agricultural Insurance Platform toImprove Claims Processing Efficiency in Indonesia: Applications inAgricultural Education

Abstract

Digital technology innovation plays a pivotal role in enhancing the efficiency of the agricultural sector, including in the management of agricultural insurance. This study aims to design and evaluate a digital agricultural insurance platform that improves the efficiency of claims processing in Indonesia, with a particular focus on its applications within agricultural education. The proposed platform is designed to simplify the process for farmers in submitting insurance claims through an application-based system integrated with digital agricultural data, accelerating claim verification and reducing the potential for human error. The research adopts a user-centered design (UCD) approach combined with user testing involving farmers and agricultural education institutions to ensure usability and contextual relevance. The findings demonstrate that the developed platform significantly improves claims processing efficiency, reduces processing time, and enhances overall user satisfaction. Furthermore, the integration of this digital solution into agricultural education offers a pedagogical innovation by linking practical technology adoption with theoretical learning, equipping students with the digital competencies necessary for future agri-tech ecosystems. The results contribute to the broader discourse on digital transformation in agriculture by providing an implementable framework for efficient, accessible, and educationally relevant agricultural insurance systems in developing countries.