This year's agricultural insurance policy has the following characteristics:
1, adjusted the operation mode of agricultural insurance. According to the requirements of the provincial government, the operation mode of agricultural insurance this year was changed from the government entrusting PICC P&C Company to the "co-insurance" between the government and PICC P&C Company. In case of disaster loss, the government will bear 60% of the disaster risk, and PICC P&C Company will bear 40% of the disaster risk. "Joint guarantee" aims to gradually push agricultural insurance to the market, and at the same time, it aims to make PICC P&C company gradually become one of the main bodies of agricultural insurance from a simple agency, and to combine the responsibilities and interests of financial insurance companies more closely.
2. Expand the coverage of pilot insurance. This year, in addition to the insurance for rice, wheat, rape and fertile sows implemented last year, cotton, corn and efficient agriculture with facilities have been added as pilot varieties of agricultural insurance; Aquaculture insurance varieties increased; Other projects include agricultural machinery insurance pilot (compulsory insurance for dual-purpose tractors and third-party liability insurance for combine harvesters) and fishing boat and fisherman insurance pilot.
3. The financial subsidy standard has been improved. This year, the central and provincial financial subsidies for planting premiums will be increased from 50% to 60%, and the county-level financial subsidies will be no less than 10%. At the same time, the planting premium and claim standard are unified: the planting premium per mu is divided into 10 yuan, 15 yuan, 20 yuan and 25 yuan, and the insured amount corresponds to 200 yuan, 300 yuan, 400 yuan and 500 yuan, which is significantly higher than last year. This year, our city still adopts the method of low-standard full coverage, with the minimum guarantee level of planting (rice, cotton, wheat and rape) per mu 10 yuan, and the farmers' self-insurance premium is adjusted to 3 yuan per mu. The insurance premium of each breeding sow in the breeding industry is 60 yuan, the insured amount is 1 1,000 yuan, the provincial financial subsidy is 30%( 18 yuan), the county financial subsidy is 50%(30 yuan), and the breeding stock bears 20% of the insurance premium (12 yuan); The insurance premium for dairy cows is 4,000 yuan in 240 yuan, with 30% provincial financial subsidy (72 yuan), 30% county financial subsidy (72 yuan) and 40% premium for farmers (96 yuan); The premium of greenhouse vegetables shall be subsidized by the provincial finance 30%, the county finance 20%, and the rest shall be borne by the insured.
4. The government catastrophe risk reserve has been established. In order to gradually establish an agricultural catastrophe risk transfer and sharing mechanism and enhance the anti-risk ability of agricultural insurance in our province, since 2008, our province has established a catastrophe risk reserve. The sources of catastrophe reserve in cities and counties mainly include:10% paid by counties (cities, districts) according to the actual total insurance premium; The provincial cities shall pay 50% of the matching amount by counties (cities, districts); Under the premise of raising funds in cities and counties, the provincial finance will give equal subsidies according to the supporting parts of the cities under the jurisdiction of the province.
Function: Effectively protect the reproduction capacity of affected farmers. Provide a strong guarantee for agricultural development and farmers' income increase.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.