Legal analysis: insurance companies pay a certain amount of insurance according to the contract, and usually provide the most basic cost protection. Then, if the yield of corn is reduced by more than 20%, the compensation standard is determined according to the affected area and the growth stage of corn, and experts must monitor it.

Legal basis: People's Republic of China (PRC) Insurance Law.

Article 5 The parties to insurance activities shall exercise their rights and perform their obligations in accordance with the principle of good faith.

Article 10 An insurance contract is an agreement between the applicant and the insurer to stipulate the insurance rights and obligations. The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract. An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract.