At present, there are various types of insurance. In rural areas, in addition to the basic medical insurance for urban and rural residents and the new rural social endowment insurance, various agricultural commercial insurances are also emerging one after another. How should farmers choose? What insurance should rural people buy? Today, let's talk about the insurance that farmers' friends can buy, so that everyone can choose according to their own situation.
1. Farmers' personal insurance
(1) Basic medical insurance for urban and rural residents
In rural areas, people are most afraid and worried about getting sick. Once they are admitted to the hospital with a serious illness, their savings for several years or even decades are all gone. Medical insurance for urban and rural residents is financed by combining individual contributions with government subsidies. Insured residents can enjoy general outpatient medical treatment, outpatient medical treatment for chronic diseases, medical treatment for serious diseases and hospitalization medical treatment (including reproductive medical treatment and neonatal medical treatment). Then, what is the payment standard of basic medical insurance for urban and rural residents? What is the reimbursement rate? For details, please check the local measures for the administration of basic medical insurance for urban and rural residents. Take Chengdu as an example.
1. payment standards
there are multiple payment standards for basic medical insurance for urban and rural residents. For example, the Interim Measures for the Basic Medical Insurance for Urban and Rural Residents in Chengdu stipulates that urban and rural residents can choose any insurance payment at their domicile according to their own economic conditions and medical security needs, and the payment standards selected by family members must be the same, and the selected payment standards cannot be changed within two years. The payment standard for students and children in the city is unified as 12 yuan per person per year. The district (city) and county governments shall independently determine the payment grades of urban and rural residents in their respective administrative areas who enjoy the full government-funded personnel.
those who participate in the basic medical insurance for urban and rural residents in this city can enjoy government subsidies according to the following standards:
(1) For those who participate in the basic medical insurance for urban and rural residents, the basic standard of financial subsidies is 8 yuan per person per year, and the rest of the selected payment grade is paid by individuals. Conditional district (city) and county governments may appropriately increase local financial subsidies for the insured who choose the second or third payment standards;
(2) the city determined by the civil affairs department? Three "no" objects, rural five-guarantee households, low-income people, poor households in rural special care recipients, intellectual, mental disabled people and other disabled people with Grade I or II disability in difficult families, students and children in difficult families with disabilities with Certificate of People's Republic of China and China for Disabled People, and disabled students and children in individual contributions shall be fully subsidized by the Civil Affairs and Disabled Persons' Federation respectively.
(3) New family planning? In the "three-in-one" helping households, the individual contributions of their students and children are paid by family planning? Three combinations? The assistance department is fully subsidized.
2. Qifubiaozhun
When the insured is hospitalized, the Qifubiaozhun of the basic medical insurance fund is: township health center 5 yuan, community health service center and first-class hospital 1 yuan, second-class hospital 2 yuan and third-class hospital 5 yuan. Qifubiaozhun for referral outside the city is 1 yuan.
3. Reimbursement ratio
One-time hospitalization medical expenses (including outpatient medical expenses for special diseases, the same below) incurred by the insured in the designated medical institutions of the basic medical insurance in this city, the amount of which is above the minimum threshold of the basic medical insurance fund, shall be paid by the basic medical insurance fund according to the level of medical institutions in the following proportions:
(1) The reimbursement ratio for the first payment is as follows:
(2) The reimbursement rate for the second payment is: 9% for township hospitals, 8% for community health service centers and first-class hospitals, 65% for second-class hospitals and 5 O% for third-class hospitals;
(3) The reimbursement rate for the third payment is: 9% for township hospitals, 85% for community health service centers and first-class hospitals, 8% for second-class hospitals and 65% for third-class hospitals;
(4) The reimbursement rate for students and children is 9% in township hospitals, 8% in community health service centers and first-class hospitals, 65% in second-class hospitals and 5% in third-class hospitals.
in a natural year, the maximum cumulative payment of the basic medical insurance fund is: 4, yuan for the insured who pays the first payment; According to the second payment of the insured is 5 thousand yuan; According to the third payment of the insured for 6 thousand yuan; The insured students and children are 8, yuan.
(II) New rural social endowment insurance
The new rural social endowment insurance is a social endowment insurance system organized and implemented by the government. Rural old-age insurance is related to the future life of many farmers. Under the condition of poor economic conditions and no external support, many farmers choose to buy rural old-age insurance, which has the most basic guarantee for their future life when they are old.
1. coverage
rural residents who have reached the age of 16 (excluding school students) and have not participated in the basic old-age insurance for urban workers can voluntarily participate in the new rural insurance at their domicile.
2. Payment
The new rural endowment insurance fund consists of individual contributions, collective subsidies and government subsidies.
(1) individual payment. Rural residents who participate in the new rural endowment insurance shall pay endowment insurance premiums according to regulations. At present, the payment standard is set to five grades in 1 yuan, 2 yuan, 3 yuan, 4 yuan and 5 yuan every year, and local governments can add payment grades according to actual conditions. Insured people choose their own grades to pay, and if they pay more, they will get more. The state adjusts the payment grade in a timely manner according to the increase of per capita net income of rural residents.
(2) collective subsidy. Conditional village collectives shall give subsidies to the insured, and the subsidy standards shall be determined by the villagers' committee to convene a villagers' meeting. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.
(3) government subsidies. The government pays the insured eligible for the new rural insurance basic pension in full, of which the central government gives full subsidies to the central and western regions according to the basic pension standards determined by the central government, and 5% subsidies to the eastern region.
The local government should subsidize the insured person's payment, and the subsidy standard should not be lower than 3 yuan per person per year; Appropriate encouragement may be given to those who choose higher-grade standard payment, and the specific standards and measures shall be determined by the people's governments of provinces (autonomous regions and municipalities). For groups with payment difficulties such as severely disabled people in rural areas, local governments pay part or all of the minimum standard endowment insurance premiums.
3. Pension treatment
Pension treatment consists of basic pension and personal account pension, which is paid for life.
The basic pension standard determined by the central government is 55 yuan per person per month. Local governments can raise the basic pension standard according to the actual situation. For rural residents who have paid for a long time, they can appropriately increase the basic pension, and part of the funds for the increase and increase will be paid by local governments.
the monthly calculation and payment standard of personal account pension is the total storage amount of personal account divided by 139 (the same as the current calculation and payment coefficient of personal account pension of basic old-age insurance for urban workers). When the insured dies, the balance of funds in the personal account can be inherited according to law, except for government subsidies; The balance of government subsidies is used to continue to pay the pensions of other insured persons.
according to the economic development and price changes, the state timely adjusts the minimum standard of the national new rural insurance basic pension.
4. Eligibility
Elderly people with household registration in rural areas who have reached the age of 6 and do not enjoy the basic old-age insurance for urban workers can receive a monthly pension.
when the new rural insurance system is implemented, those who have reached the age of 6 and have not enjoyed the basic old-age insurance benefits for urban workers can receive the basic pension on a monthly basis without paying fees, but their eligible children should pay for the insurance; If it is less than 15 years from the age of collection, it should be paid annually, and it is also allowed to pay back, and the accumulated payment should not exceed 15 years; From the age of more than 15 years, should be paid annually, the cumulative payment of not less than 15 years.
young and middle-aged farmers should be guided to actively participate in insurance and pay long-term fees, so that they can get more if they pay long. The specific measures shall be formulated by the people's governments of provinces (autonomous regions and municipalities).
At present, the basic medical insurance for urban and rural residents and the new rural social endowment insurance have basically achieved full coverage in China.
(III) Personal insurance
Personal insurance is a form of insurance in which the life or body of a person is the subject matter of insurance, and when an insurance accident happens to the life or body of the insured or the insurance expires, the insurer pays the insurance money to the insured or beneficiary according to the provisions of the insurance contract. There are many kinds of life insurance products, which can be divided into life insurance, personal accident insurance and health insurance according to the scope of protection. Buyers should choose insurance types according to their age and family situation.
ii. agricultural insurance
agricultural insurance is a kind of insurance designed for agricultural producers to provide protection against economic losses caused by natural disasters, accidents, epidemics, diseases and other insurance accidents in the production process of planting, forestry, animal husbandry and fishery.
the main types of agricultural insurance offered in China are:
(1) aquaculture insurance
such as pig insurance, chicken insurance, duck insurance, livestock insurance and dairy insurance.
(2) Crop insurance
Such as rice insurance, vegetable insurance, forest insurance, fruit harvest insurance, watermelon harvest insurance and wheat insurance.
insurance methods: 1) farmers can directly apply for insurance from insurance companies; 2) Collective insurance through villagers' committees or farmers' professional cooperatives. In the process of insurance, the village association can assist in collecting premiums and collecting relevant insurance information.
conditions for obtaining: insured farmers should report to the insurance company immediately after disasters occur in the agricultural production process. After receiving the notice of the occurrence of an insured accident, the insurance company shall conduct on-site survey in time and check the loss jointly with the insured. The insurance company shall pay the indemnity within the specified time after reaching an agreement with the insured.
iii. Other commercial property insurance
Under the strong advocacy of the CIRC, many insurance companies have set up various agricultural insurance projects.
(1) Rural housing insurance
As stipulated in Fujian, rural housing insurance is divided into basic insurance and superimposed insurance.
1. Standard premium basic insurance
The province-wide unified insurance method is adopted, and the provincial finance arranges the premium of 5 million yuan every year, and farmers do not pay. The compensation limit for each household of rural houses damaged by disasters is 1, yuan. Overlay insurance
take? Farmers' insurance and financial subsidies? The way, each household superposition premium 12 yuan (provincial, city and county financial subsidies in 9 yuan, farmers pay 3 yuan), due to the disaster, the superposition insurance for rural houses is limited to 15, yuan per household.
(1) Ordinary farmers pay their own premiums in a lump sum according to the natural year (3 yuan/household/year), and go through the payment underwriting procedures before March 1, and their farmhouses are damaged due to disasters before they can enjoy the superimposed insurance. Ordinary farmers do not pay fees, financial subsidies, and claims are not superimposed.
(2) The superposition premium (3 yuan/household/year) of rural poor households (low-income households, five-income households with houses and poverty-stricken households with filing cards) in the province shall be borne by the provincial finance, and their rural houses will automatically enjoy superposition insurance if they are damaged due to disasters.
2. Claims standard Basic insurance claims standard
(1) In a disaster accident, no matter whether the affected households have multiple houses or only one house, if the houses are completely collapsed, seriously damaged and demolished for reconstruction, the household claims system will be strictly implemented, and the amount of claims will be 1, yuan. Collapse refers to the collapse of the main structure of the house due to disasters. Severe damage refers to the fact that half of the main load-bearing components of the house are toppled due to the disaster, which cannot be repaired and needs to be removed and rebuilt (the same below).
(2) In a disaster accident, if the affected households have multiple houses, and one bedroom (or living room) collapses or is seriously damaged, the insurance claim amount is 2, yuan; If one wall of one bedroom (or living room) is seriously damaged, the insurance claim amount shall be 1 yuan; General damage shall not be refused compensation, and the specific amount of compensation shall be determined by Party B's survey personnel and affected farmers within the limit of this paragraph, but not lower than that of 4 yuan.
(3) If the kitchen (or dining room) of the affected household collapses or is seriously damaged in a disaster accident, the insurance claim amount shall be 1 yuan; If one wall of the kitchen (or dining room) is seriously damaged, the amount of insurance claims shall be 5 yuan; General damage shall not be refused compensation, and the specific amount of compensation shall be determined by Party B's survey personnel and affected farmers within the limit of this paragraph, but not lower than that of 2 yuan.
(4) In case of a disaster accident, the tile of the affected farm house is missing or broken, the claim shall be made according to the standard of 25 yuan/m2, and the accumulated claim limit for the whole year is 2, yuan.
(5) During the insurance period, the accumulated compensation amount of the damaged farmhouses due to disasters is 1, yuan, and after each disaster accident is compensated by Party B, the remaining insurance amount will be deducted accordingly. Superimposed insurance claim standard
(1) For a disaster accident, no matter whether the affected households have multiple houses or only one house, if all the houses collapse, are seriously damaged and are removed for reconstruction, the household claim system is strictly implemented, and the claim amount is 25, yuan. Collapse refers to the collapse of the main structure of the house due to disasters. Severe damage refers to the fact that half of the main load-bearing components of the house are toppled due to the disaster, which cannot be repaired and needs to be removed and rebuilt (the same below).
(2) In a disaster accident, if the affected households have multiple houses, and one bedroom (or living room) collapses or is seriously damaged, the insurance claim amount is 5, yuan; If one wall of one bedroom (or living room) is seriously damaged, the insurance claim amount is 25 yuan; General damage shall not be refused compensation, and the specific amount of compensation shall be determined by Party B's survey personnel and affected farmers within the limit of this paragraph, but not lower than that of 1 yuan.
(3) If the kitchen (or dining room) of the affected household collapses or is seriously damaged in a disaster accident, the insurance claim amount is 2,5 yuan; If one wall of the kitchen (or dining room) is seriously damaged, the insurance claim amount is 125 yuan; General damage shall not be refused compensation, and the specific amount of compensation shall be determined by Party B's survey personnel and affected farmers within the limit of this paragraph, but not lower than that of 5 yuan.
(4) in a disaster accident, if the tiles of the affected farm house are missing or broken, the claim will be made according to the standard of 62.5 yuan/square meter, and the accumulated claim limit for the whole year is 5, yuan.
(5) During the insurance period, the accumulated claim amount of the insured farm houses due to disasters is 25, yuan. After each disaster and accident is compensated by Party B, the remaining insurance amount shall be deducted accordingly.
(II) Agricultural machinery insurance
Agricultural machinery insurance can be divided into two categories: one is to compensate the owners of agricultural machinery for the losses caused by the damage of agricultural machinery in agricultural machinery accidents, mainly agricultural machinery loss insurance. The second category is to compensate for the losses caused by casualties in agricultural machinery accidents, mainly including personal injury insurance and third party liability insurance.