What insurance is included in agricultural insurance? What are the types of agricultural insurance?

Rural social security cards generally include:Pension insuranceand medical insurance, where endowment insurance generally refers to the new rural insurance.

The purpose is to ensure the basic livelihood of rural residents in old age; Medical insurance refers to the New Rural Cooperative Medical System.

Organized, guided and supported, farmers voluntarily participate, and raise funds by means of individual payment, collective support and funding, which can bring outpatient medical care, inpatient medical care and serious illness medical security to the insured.

Rural social security and urban social security are essentially the same and are collectively referred toSocial insuranceHowever, they belong to different categories, which differ mainly in the following points.

1. The content is different

Urban social security: There are five main types of insurance in urban social security cards, namely endowment insurance, medical insurance, and unemployment insurance.

Maternity insurance, work-related injury insurance.

Rural Social Security: The Rural Social Security Card has two types of insurance, the New Rural Cooperative Medical Insurance and the New Rural Cooperative Pension Insurance.

2. The composition is different

Urban social security: the total payment fee is borne by themselves and the unit, eight percent of the payment by themselves is deposited into the personal account, and the unit pays 12 percent for the social pool, after the age of 60, as a retired worker, the pension that can be obtained is: basic pension + personal account pension + transitional pension.

Rural social security: The payment fee is all responsible for yourself, and the payment in 2018 is 220 yuan, of which 120 is classified as social pooling and 100 is put into personal accounts.

Social insurance is a social and economic system that provides income or compensation to people who are incapacitated, temporarily unemployed, or have lost their jobs due to health reasons. The social insurance program is organized by **, forcing a certain group to form social insurance ** as a part of its income as a social insurance tax (fee), and under the condition of meeting certain conditions, the insured can receive a fixed income or loss compensation from **, it is a redistribution system, its goal is to ensure the reproduction of material and labor force and social stability.

1. Types of social insurance:

The types of insurance covered by social insurance are:Basic endowment insurance, basic medical insurance, work-related injury insurance, basic medical insurance, and social maternity insurance.

Some provinces and cities are piloting the rollout:Basic endowment insurance for rural (resident) people, basic medical insurance for rural (resident) residents, local endowment insurance, supplementary endowment insurance for enterprises, etc.

2. The payment ratio of each type of insurance:

Definition of contribution wages: The regulations stipulate that the contribution wages of the insured persons are the actual wages of the individuals, but the upper limit of the contributions shall not be higher than three times the average salary of the local employees in the previous year, and the lower limit shall not be less than 60% of the average salary of the local employees in the previous year.

1. The basic endowment insurance for employees is 18% of the paid salary, of which 10% is borne by the unit and 8% is borne by the individual.

2. The basic medical insurance for employees is 2% of the paid salary, which is borne by the unit and not by the individual.

3. Work-related injury insurance is paid wages, and the payment ratio is determined according to the danger degree of the type of work. It is borne by the unit, not by the individual.

4. The basic medical insurance for employees is 2% of the salary, which is borne by the unit and not by the individual.

5. Maternity insurance is paid by the unit and not by the individual.

There are many types of agricultural insurance, which are listed as follows according to different classifications:

1. According to the different types of agriculture, it is divided into planting insurance and breeding insurance;

2. According to the nature of the danger, it is divided into natural disaster loss insurance, pest loss insurance, disease death insurance, and accident loss insurance;

3. According to the different scope of insurance liability, it can be divided into basic liability insurance, comprehensive liability insurance and all risks;

4. According to the compensation method, it can be divided into planting loss insurance and harvest insurance.

Agricultural insurance includes crop insurance and livestock insurance. The details are as follows:

1. Crop insurance: rice, wheat grain crops and cotton, tobacco and other cash crops.

Due to natural disasters.

or the loss of harvest value or production costs due to an accident is an insured liability;

2. Crop insurance during the harvest period: primary agricultural products after the harvest of grain crops or cash crops.

Value is a kind of short-term insurance when the crop is in the primary processing stage such as drying, threshing, and baking;

3. Forest insurance: for natural forest farms and planted forest farms, the loss of forest value or forest production costs caused by natural disasters and accidents, diseases and insects during the growth of forest trees is the insurance liability;

4. Insurance of economic forests and garden nurseries: compensation for the losses caused by natural disasters or pests and diseases of various economic forest species in the growth;

5. Livestock insurance: ploughing cattle, dairy cows, vegetable cattle, horses, stallions.

Mules, donkeys, camels, etc. are covered, and livestock insurance is a kind of death loss insurance;

6. Livestock insurance and poultry insurance; Pigs, sheep, chickens, ducks and other poultry are insured;

7. Aquaculture insurance: artificial fish farming, shrimp farming, pearl breeding and other aquaculture products are the insured objects;

8. Other breeding insurance: breeding deer, mink, fox, bee, silkworm and other insured objects.

The new rural social endowment insurance (referred to as the new rural insurance) is a social endowment insurance system implemented by the first organization for the purpose of ensuring the basic life of rural residents when they are old.

Those who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for urban employees do not need to pay the new rural social old-age insurance premiums, and can receive the basic pension on a monthly basis, but their children who meet the conditions for insurance shall participate in the insurance and pay premiums; If the payment is less than 15 years from the age of collection, the payment shall be made on an annual basis, and supplementary payment is also allowed, and the cumulative payment shall not exceed 15 years; If the payment is more than 15 years away from the age of collection, the payment shall be made on an annual basis, and the cumulative payment shall not be less than 15 years.

The full name of rural insurance is rural social endowment insurance. It refers to the rural social security system in which people can pay contributions when they are young and able, and they can enjoy basic old-age insurance benefits every month when they are old. Rural social endowment insurance is a social endowment insurance system implemented to ensure the basic life of rural elderly residents.

Those who are at least 16 years old but are not enrolled in school, nor have they participated in the basic pension insurance for urban employees.

of rural residents can participate in rural social endowment insurance and make contributions. Old-age treatment is a combination of social co-ordination and social security policies and measures such as personal accounts, family pensions, land security, and social assistance, and the establishment of a financing model that combines individual payment, collective subsidies, and subsidies.

1. How to pay for rural social endowment insurance:

1) Bring the relevant materials to the place of household registration.

The village committee submits an application for insurance;

2) Fill in the registration form and select the payment grade of insurance (that is, the payment grade is selected according to the personal ability mentioned above);

3) Pay the fee every year in the agricultural depository book.

on, by the credit union.

withholding payments; 4) After receiving the notice of collection, the insured person must go to the village committee where the household registration is located to go through the relevant procedures;

5) Open a card at a designated bank, and only after 15 years of payment can you enjoy the insurance money.

Extended information: 1. In order to make the "new rural insurance.

More humane, specially formulated 5 types of special population insurance bridging regulations:

1. For those who have transferred to the city and participated in the basic old-age insurance for urban employees after participating in the "New Rural Insurance", the payment of their participation in the agricultural insurance can be converted into the payment period according to the payment base and proportion of the "Urban Insurance" in the corresponding year;

2. Migrant workers in the city.

Migrant workers who participate in the "urban insurance" have reached retirement age.

If you do not meet the conditions for receiving it, you will transfer the funds to the agricultural insurance agency in your district and county according to the provisions of the one-time treatment of the "urban insurance", and enjoy the pension treatment according to the provisions of the "new rural insurance", and participate in the payment of the "urban insurance" for one year, which will be regarded as the payment period of the "new rural insurance" for one year;

3. Urban household registration personnel who receive pensions according to the "agricultural insurance" treatment can continue to enjoy the "rural insurance" treatment if they do not enjoy other social insurance benefits;

4. Those who have received pensions according to the "agricultural insurance" treatment, if the conditions change, they can enjoy the living allowance of the over-transferred personnel and the immediate family members of the deceased.

Those who receive pension and other benefits will no longer enjoy the basic pension;

5. Before the implementation date of the "Trial Measures", women over the age of 55 who have participated in the "Agricultural Insurance" shall enjoy the "New Rural Insurance" treatment on a monthly basis from the date of implementation of the "Trial Measures", and the personal account pension shall be determined according to the corresponding calculation and payment coefficient of 60 years old. The personal account of "New Rural Insurance" can be inherited.

Good evening, agricultural insurance, also known as rural insurance, refers to a variety of insurance services provided for rural residents, involving a wide range of insurance types, mainly including the following: 1Rural Pension Insurance:

Provide old-age security for farmers to ensure that they can obtain a certain basic living security after retirement. 2.Rural Medical Insurance:

Provide medical insurance for farmers, including hospitalization expenses, outpatient expenses, special diseases** expenses, etc. 3.Rural Accident Insurance:

Provide accidental injury protection for farmers, mainly including accidental injury medical expenses, disability allowance and death insurance benefits. 4.Rural Property Insurance:

Provide property protection for farmers, mainly including crop insurance, household property insurance, fishery insurance, etc. In addition to the above insurance, there are other insurance services provided for farmers in some areas, such as livestock insurance, forest insurance, ** insurance, etc. It should be noted that the types of farmer insurance provided and the content of the protection of the cherry blossoms may vary from place to place.

The new rural insurance, the full name of the new rural social endowment insurance, is a social endowment insurance system implemented by the first organization for the purpose of ensuring the basic life of rural residents when they are old, and is an important part of the national social insurance system. Agricultural insurance is a kind of endowment insurance, medical insurance is medical insurance, the two are different insurance items, in the insurance treatment, insurance payment and so on.

Legal analysis: The new rural insurance, the full name of the new rural social endowment insurance, is a social endowment insurance system implemented by the first organization for the purpose of ensuring the basic life of rural residents when they are old, and is an important part of the national social insurance system. Agricultural insurance is a kind of endowment insurance, medical insurance is medical insurance, the two are different insurance items, in the insurance treatment, insurance payment and so on.

The main difference between the new rural insurance and social security is that the objects of protection are different:

The full name of NCMS is "New Rural Cooperative Medical Care", which is a reimbursement procedure consisting of farmers paying a small amount of money per person every year and the state contributing the lion's share. You must have a rural hukou to participate in NCMS, and each person can only pay money in the current year, and you need to pay again in the following year to enjoy NCMS. The target group is farmers who work at home and do not go out to work in the towns.

Social security is the abbreviation of social insurance, and social insurance is a social security system in which the state gives certain material help to workers temporarily or permanently due to old age, illness, work-related injury, unemployment, childbirth and death due to legislative means. Social insurance has: guarantee, universality, mutual aid, compulsory, and welfare.

When the social insurance is beyond its means, the state financial funds will make up for the shortfall.

Agricultural insurance refers to the rural social security system in which the administrative department is responsible for organizing and managing, rural economic organizations, collective institutions and workers in all walks of life jointly bear the obligation to pay pension insurance premiums, and workers enjoy basic old-age insurance benefits according to the payment of old-age insurance premiums when they are old.

At present, there are three forms of social endowment insurance in our country: occupational insurance, new rural insurance and urban residence insurance. Any one person can only buy one of them, not more than two.

The new type of rural social endowment insurance, referred to as rural insurance, is aimed at rural residents who are not employed and have not participated in social security, and is voluntarily paid by individuals and is not mandatory.

Medical insurance is a type of insurance that compensates for the medical expenses incurred by illness. Social insurance is a social insurance in which an employee is provided with necessary medical services or material assistance by the society or enterprise when he or she is sick, injured or gives birth.

Legal basis: Article 20 of the Social Insurance Law.

The State shall establish and improve a new type of rural social endowment insurance system. The new rural social endowment insurance implements a combination of individual contributions, collective subsidies and subsidies.

The main types of agricultural insurance 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 farm, forest fire insurance, flue-cured tobacco planting, watermelon hailstorm, pear harvest, wheat frost damage, cotton planting, cotton field film covering hail insurance, apple, Ya pear, flue-cured tobacco insurance and so on.

Extended information] 1. Agricultural insurance (abbreviation"Agricultural insurance"It is a kind of insurance designed to provide protection for agricultural producers in the process of planting, forestry, animal husbandry and fishery production, and to provide protection for economic losses caused by natural disasters, accidents, epidemics, diseases and other insured accidents.

2. Article 2 of the 2012 Agricultural Insurance Regulations stipulates that:"The term "agricultural insurance" as used in these Regulations refers to the insurance activities in which the insurance company bears the responsibility for compensating the insured for the property losses caused by the agreed natural disasters, accidents, epidemics or diseases in the course of agricultural production due to the insured subject matter in the course of agricultural production. The term "agriculture" as used in these Regulations refers to industries such as crop farming, forestry, animal husbandry, and fishery.

3. 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, 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 the solution"Three rural"An important part of the problem.

Fourth, agricultural insurance is divided into planting insurance and breeding insurance according to different types of agriculture; According to the nature of the danger, it is divided into natural 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.

5. Agricultural insurance and rural insurance are two different concepts, the latter is named after the region, which refers to the general term of various insurances held within the rural area, including not only agricultural insurance, but also other property and life insurance of township enterprises and agricultural producers.

6. 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 businesses attached to agricultural production activities in rural areas. 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.