What is agricultural insurance? Shaanxi innovative insurance products gradually landed

What is agricultural insurance? Shaanxi innovative insurance products gradually landed

Insurance coverage

From cows to grapes

From weather to price

The reporter learned that the current agricultural insurance products are mainly government subsidies, in order to reduce the insurance costs and economic burden of farmers, agricultural production and operation organizations (including agricultural enterprises, breeding communities, cooperative organizations, etc.).

So, what can agricultural insurance protect? The relevant staff of the People's Insurance Shaanxi Branch introduced that the farmers can breed sows, cows, fattening pigs, piglets, boars, wheat, corn, rapeseed, rice, potatoes, cotton, forests, apples, walnuts, jujubes, facilities. Vegetables “Silver Baofu” and pepper can be insured. This year, pepper farmers and tea farmers can also insure innovative agricultural insurance products, such as tea weather index insurance, pepper weather index insurance, pepper price index insurance, vegetable price index insurance, fruit prices. Index insurance, hog price index insurance, beef cattle price index insurance, "Silver Baofu" breeding beef cattle insurance, "Silver Baofu" kiwifruit insurance and "Silver Baofu" grape insurance.

insurance fee

5.2 yuan per mu in greenhouses and greenhouses

Farmers only pay 30%

It is understood that the province's PICC Property Insurance Shaanxi Branch, China United Property Insurance Shaanxi Branch, AVIC An Meng Property Insurance Shaanxi Branch, Yongan Property Insurance Shaanxi Branch, Ping An Property & Casualty Shaanxi Branch and Sunshine Property Insurance Shaanxi Province The branch, Jintai Property Insurance Shaanxi Branch, and Cinda Property & Casualty Shaanxi Branch all carried out agricultural insurance business.

Then, what kind of protection can farmers enjoy insuring agricultural insurance? People's insurance staff said that, such as the facility "silver Baofu" insurance products, provide personal accident protection for greenhouses, vegetables in the greenhouse, and individual farmers. Taking Yangling area as an example, the “Silver Baofu” products can be fully covered. The insurance period of the product is one year. The premium of one mu of crops in the greenhouse and shed is 520 yuan. The farmers only pay 30% of the premium, and the remaining 70% are paid by the government. bear. If a major natural disaster occurs, the compensation per acre can be close to 10,000 yuan.

Innovative insurance

If the price of leaving the land is not "up to standard"

Price insurance helps "guarantee profits"

In addition, our province's innovative insurance products are gradually coming to the ground. Taking pepper as an example, Hancheng of our province is a large-scale planting base in China. Pepper farmers have insured the pepper weather index insurance to resolve the risks during the cultivation of pepper. The insurance company uses the data provided by third-party agencies such as the Meteorological Bureau as the basis for claims; Similarly, if the pepper price index insurance is insured, the insurance company adopts parameters issued by third-party institutions with credibility such as the statistical bureau and the price bureau as the basis for claims. “If during the listing of peppers, the average price of land has not reached the contract of the insurance contract, the system automatically triggers claims according to different parameter systems. Breaking the traditional agricultural insurance claims, farmers do not need to report. This year, the pepper price index insurance farmers only need to pay 60 yuan. The premium, the government subsidies 90%.” Jining Insurance Shaanxi Branch Li Ning said.

Li Ning said that the development of agricultural products price index, meteorological index and other innovative agricultural insurance products, the concept of insurance products from insurance costs to insurance profits, from natural disasters to price risks, income security development.

According to industry insiders, at present, the insurance products of our province's innovative insurance products have become more and more extensive. In addition to pepper, we will develop products such as vegetables, pigs, peppers and teas through “data collection – actuarial pricing – product design – claims services”. The product operation system brings real guarantees to farmers.

According to the incomplete statistics of the reporter, the current PICC P&C Insurance Shaanxi Branch, Jintai P&C Shaanxi Branch, and Cinda P&C Shaanxi Branch are already developing innovative insurance products. "With a sound agricultural insurance system and guarantees, more farmers will dare to grow and grow," said the source.

(Original title: What can agricultural insurance protect? What kind of protection can farmers enjoy insuring agricultural insurance?)