How space technology can be applied in agricultural insurance

The main types of agricultural insurance in China are: agricultural product insurance, pig insurance, livestock insurance, dairy cow insurance, cattle insurance, goat insurance, fish insurance, deer, duck, chicken insurance, shrimp, mussel pearl insurance, poultry comprehensive insurance, rice, vegetable insurance, rice and wheat farms, forest fire insurance, flue-cured tobacco planting, watermelon hailstorm, pear harvest, wheat frost damage, cotton planting, cotton field mulch cover hail insurance, apple, Ya pear, flue-cured tobacco insurance, etc.

Domestic insurance companies providing agricultural insurance business mainly include: Anhua Agricultural Insurance Co., Ltd.****, Sunshine Agricultural Mutual Insurance Company, Jiangtai Insurance Brokers****, Guoyuan Agricultural Insurance Company, Chinese People's Property Insurance Company in some provinces, cities and regions, etc.

**Attaches great importance to the development of policy-based agricultural insurance, and the business has started in all regions of the country. However, on the whole, the premium income of China's policy-based agricultural insurance is only the output value of agriculture, and the coverage area only accounts for 1 4 of China's cultivated area, and the development model is not yet mature, and the ability to guarantee agricultural production is relatively limited.

The basic business model of China's policy-based agricultural insurance is to entrust the business to commercial insurance companies, and give certain subsidies. This mode of operation is still in the pilot stage and is relatively extensive.

In addition, China's rural areas are vast and the agricultural production situation is very different, so the policy-based agricultural insurance business model needs to be continuously improved in the development process. Establish a non-profit policy-based agricultural insurance company to carry out the product design, management and operation of agricultural insurance in a unified manner, and establish a policy-based agricultural insurance operation mode that is dominated and managed and market-oriented.

Plantation insurance.

1) Crop insurance. Crop insurance covers food crops such as rice and wheat and cash crops such as cotton and tobacco, and covers the loss of harvest value or production costs due to natural disasters or accidents during the growth period of various crops. During the growing period, a considerable part of the harvest depends on the soil environment and natural conditions, the resilience of the crop to natural disasters, and the cultivation and management of the producer.

Therefore, when the value of the harvest is taken as the subject of insurance, a certain percentage should be left for the insured to self-insure, so as to promote intensive cultivation and strengthen crop management. If the production cost is the subject of insurance, the fixed amount of insurance will be adopted according to the production expenses invested in the crops at different periods and at different growth stages.

2) Crop insurance during the harvest period. Crop insurance during the harvest period is a kind of short-term insurance when the crop is in the primary processing stage such as drying, threshing, and baking, which is based on the value of primary agricultural products after the harvest of grain crops or cash crops.

3) Forest insurance. Forest insurance is an insurance that covers natural forest farms and plantations, and covers the loss of forest value or forest production costs caused by natural disasters and accidents, pests and diseases during the growth of forest trees.

4) Insurance for economic forests and garden nurseries. This type of insurance covers a variety of growing economic forest species. These forest species provide fruits, roots and leaves, juice, bark and other products with economic value, as well as commercial precious trees and saplings that can be used for viewing and beautifying the environment.

Insurance companies compensate for the loss of these seedlings, forest species and their products due to natural disasters or pests and diseases. Such insurances include citrus, apple, hawthorn, chestnut, rubber tree, tea tree, walnut, date tree, etc.

Aquaculture insurance.

1) Livestock insurance. Livestock insurance is to cover large livestock for service, dairy, meat and breeding, such as ploughing cattle, dairy cows, vegetable cattle, horses, stallions, mules, donkeys, camels, etc., and covers the economic losses caused by livestock diseases or natural disasters and accidents, as well as forced slaughter and burial due to epidemics. Livestock insurance is a type of death loss insurance.

2) Livestock insurance, poultry insurance. Commercially produced pigs, sheep and other domestic animals and chickens, ducks and other poultry are the subject of insurance, and the loss of death during the breeding period is covered.

3) Aquaculture insurance. Commodity artificial fish farming, shrimp farming, pearl breeding and other aquaculture products are insured to cover the loss of aquatic product harvest or breeding cost caused by epidemics, poisoning, theft and natural disasters in the breeding process.

4) Other breeding insurance. The commercial breeding of deer, mink, fox and other economic animals, beekeeping, silkworm farming, etc. as the object of insurance, to cover the death or loss of product value caused by diseases, natural disasters and accidents in the breeding process.

China's "Agricultural Insurance Statistical System" is divided into two categories: agricultural insurance and agriculture-related insurance. Agricultural insurance includes crop insurance and livestock insurance.

Agriculture-related insurance refers to other insurance that directly provides insurance protection for agricultural service industries, rural areas and farmers in addition to agricultural insurance, including property insurance involving agricultural machinery, agricultural equipment, agricultural facilities, farmhouses and other agricultural production and living materials, as well as agricultural products (000061) storage and transportation, primary processing of agricultural products, agricultural credit, agricultural product sales and other activities; Life insurance involving the life and health of farmers, etc.

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Apply to the insurance company and conclude an insurance contract.

If the insurer makes inquiries about the insured pigs or the relevant circumstances of the insured in the conclusion of the insurance contract, the policyholder shall truthfully inform the obligation. If the policyholder intentionally or due to gross negligence fails to perform the obligation of truthful notification as provided for in the preceding paragraph, which is sufficient to affect whether the insurer agrees to underwrite or increase the rate, the insurer has the right to terminate this contract.

The insured shall abide by the national and local regulations on the management of pig breeding, do a good job in breeding management, establish, improve and implement various rules and regulations for epidemic prevention and prevention, accept disaster prevention inspections and reasonable suggestions from the animal husbandry department and the insurer, and do a good job in safety and disaster prevention and loss prevention, and maintain the safety of insured pigs.

Most of China's rural residents purchase agricultural insurance, all through the local village collectives to carry out the unified process, the policyholder and the insurance company signed a contract, after the payment of insurance premiums agricultural insurance was formally established.

Farmers can also apply for insurance individually by going to the business department of the local agricultural insurance company to sign a contract, but in the process of applying for insurance, they should read the insurance terms and important instructions in detail and the explanations made by the insurance institution. In addition, there are relevant subsidies for agricultural insurance in some areas, and you can consult locally before applying for insurance.

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In the process of agricultural production, the probability of suffering from natural disasters is very large, especially in some areas where disasters are frequent, it is necessary to carry out agricultural insurance. When a disaster occurs after insurance, it is necessary to notify the village co-insurer or the town's Sannong insurance service station in time to protect the disaster site, so that the insurance company and relevant departments can verify the disaster situation, and if there is no problem and comply with the insurance regulations, you will soon be able to receive compensation.

Specific application process:

Fill in the insurance policy and submit your willingness to purchase agricultural insurance to the insurance institution.

The insurance institution reviews the policyholder's materials to determine whether to accept the policyholder's willingness to insure.

The insurance agency decides to accept the underwriting and explains in detail the terms of the agricultural insurance contract.

The policyholder decides whether to apply for insurance, and the policyholder pays the insurance premium in full.

Preparation of insurance contracts.

The policyholder signs and receives the insurance contract.

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Breeding insurance part of the insurance enjoy 80% of the national financial subsidies at all levels, and they only have to pay 20% of the premium, and the varieties may be different in each province, such as the first subsidized breed of Anhui aquaculture industry for sows and dairy cows. For details, you can consult the local insurance company that operates policy-based agricultural insurance.

This belongs to property insurance, as long as the subject has real value will have the corresponding insurance, you can find the local property insurance company to ask, Chinese property insurance should be the best in this regard, you can directly ask their ** people. Or go directly to their company for a consultation.

You go to the local property insurance company and ask, such as Ping An Property Insurance, Yongan Property Insurance, ......Go ask and ask.

You can go to your local property insurance company for inquiries.

Hello, I am from the countryside, and my family has more than 70 sheep, but they are all breeds, can I get insurance?

Agricultural insurance refers to an insurance designed to provide protection for agricultural producers against economic losses caused by natural disasters and accidents in the process of planting and aquaculture.

Criteria for agricultural insurance claims.

Set the threshold for compensation. The starting point of claim settlement is 30%, that is, when the loss rate of the insured crops due to natural disasters reaches more than 30% (including 30%) to 70%, the compensation will be calculated according to the insurance amount and loss rate divided according to the growing period of the crop.

The specific claim calculation formula is: compensation amount = insurance amount for each growth period * loss rate * damaged area. When the loss rate reaches more than 70%, the full amount of the insurance amount for the growth period of the crop will be paid.

1. The insurer is not responsible for compensation for the rice planted due to natural disasters within the scope of insurance liability but the loss rate is less than 30%.

2. If the actual loss rate is more than 30% (inclusive), the compensation will be proportional, and the full compensation will be paid if the actual loss rate is more than 70% (including 70%). If the area of each insured rice plot is less than the actual planting area, the compensation shall be calculated according to the proportion of the insured area to the actual planting area.

The characteristics are directly related to their difficulties. It is manifested as the characteristics of unstable value of the subject matter of underwriting, low underwriting, complex danger, and high loss ratio. The details are as follows:

1. If the value of the underwritten subject is unstable, it is necessary to correctly handle the relationship between the value of the subject matter, the insured amount and the insurance compensation. As the subject of insurance, crops or livestock, in the insurance period in the growth period, the value of the growing value, coupled with market changes, the uncertainty of the time of the disaster and the cost of the input, caused great difficulties in the determination of the amount of insurance.

2. The purpose of implementing low-amount underwriting is to provide basic security for farmers. Changes in natural conditions and efforts in man-made management in the aftermath of disasters have sometimes had a significant effect on reducing agricultural losses.

3. The complexity of the insured hazard. Agricultural production is faced with a variety of disasters, most of which are catastrophic, and when they occur, they cause heavy losses. In addition, the frequency of these disasters is high.

Therefore, in the early stage of the formation of agricultural insurance, it underwrites a single risk, such as hail insurance for cotton, watermelon and other crops.

Agricultural insurance is a common practice in countries with a market economy to support agricultural development. Through policy-based agricultural insurance, we can, within the scope permitted by WTO rules, replace direct subsidies to provide reasonable and effective protection for China's agriculture, reduce the impact of WTO accession, and reduce the impact of natural disasters on agricultural production.

Stabilize peasant incomes and promote the development of agriculture and the rural economy. In China, agricultural insurance is an important part of solving the "three rural" problems.

Agricultural insurance is divided into planting insurance and breeding insurance according to different types of agriculture; According to the nature of the hazard, it is divided into agricultural insurance, disaster loss insurance, pest and disease loss insurance, disease death insurance, and accident loss insurance; According to the different scope of insurance liability, it can be divided into basic liability insurance, comprehensive liability insurance and all risks; According to the compensation method, it can be divided into planting loss insurance and harvest insurance.

Agricultural insurance and rural insurance are two different concepts, the latter is named after the region, refers to the general term of various insurances held in rural areas, including agricultural insurance, including other property and life insurance of township enterprises and agricultural producers.

The insurance objects of agricultural insurance include crop cultivation (agriculture), forest creation (forestry), livestock and poultry breeding (animal husbandry), aquaculture, fishing (fishery) and other sideline industries attached to agricultural production activities in rural areas.