When choosing insurance, what are the growing crop insurances?

Crop insurance is a kind of insurance for unharvested crops, which guarantees that crops (food crops, cash crops, horticultural crops) can be compensated for losses caused by pests and diseases or natural disasters during the growth process from seedling to maturity. It includes cotton planting risk, wheat planting risk, rice planting risk, corn planting risk, sugarcane planting risk. Crop insurance refers to crops in the growing period as the subject of insurance, including rice insurance, wheat insurance, flower bud insurance, soybean crop insurance, other crop insurance, etc.

<> The characteristics of crop insurance are closely related to the characteristics of agricultural production, including high risk and high loss rate; The business process is difficult and the tax incentives are large. Therefore, when many places in China carry out agricultural and animal husbandry insurance with preferential tax policies, they generally include the types of crop insurance related to the national economy and people's livelihood into the scope of preferential tax policy insurance. Crop insurance refers to the insurance of crops as the subject matter of insurance before receiving them during the growth process.

At present, China's planting insurance includes: wheat planting insurance, corn planting insurance, cotton planting insurance, tobacco planting insurance, sugarcane planting insurance, etc.

What are the types of plantation insurance? It includes crop insurance and crop insurance, of which crop insurance mainly takes cereal crops, sweet potato crops and legume grain crops as the insurance objects, and carries out pre-insurance guarantees; Crop insurance mainly covers chemical fiber crops, grain crops, sugar crops, hobby crops and fruit and vegetable crops.

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1) Food crop insurance. The main types of insurance are: cereal crop insurance, such as rice, wheat, corn insurance; Legume crop insurance, such as soybeans, mung beans, lentils, etc.: root crop insurance, such as sweet potato, potato, taro, etc.

2) Cash crop insurance. The main types of insurance are: fiber crop insurance, such as cotton, linen and other insurance

Oil crop insurance, such as rape, sesame, peanut, etc.: sugar crop insurance, such as sugarcane, sugar beet, etc.: other crop insurance, such as tobacco, tea tree, etc.

3) Forest insurance. Such as forest wind disaster insurance, forest fire insurance.

4) Vegetable and horticultural crop insurance. Such as fruit insurance, vegetable insurance, etc.

For example, food crop insurance, cash crop insurance, forest insurance, vegetable and horticultural crop insurance, in addition to single liability insurance, and all risks.

There are food crop insurance, cash crop insurance, single liability insurance, natural insurance, disaster insurance, planting insurance, which are all insurances that can be purchased for growing crops.

Sugarcane planting insurance, wheat planting insurance, cotton planting insurance, soybean planting insurance, lentil planting insurance, etc., can be purchased for crops that are often planted.

The main insurance is the content of insurance according to grain crops, according to the classification of liability, there is cash crop insurance, there is single liability insurance, forest insurance.

According to the classification of production wild promotion objects, it is divided into: planting insurance and breeding insurance; According to the degree of protection, it is divided into: cost insurance, output insurance or output value insurance; According to the growth stage of the insurance subject, it is classified into:

crop insurance during the growing period and crop insurance during the harvest period; According to the scope of insurance liability, it is divided into: single risk insurance, multi-risk insurance, and all risk insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello! The insurance you mentioned should be called crop insurance: insurance that 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.

If further subdivided, it can be divided into crop insurance during the growth period and crop insurance during the harvest period

1.Crop insurance during the growing season. Crop insurance during the growing period is an insurance that takes the crops that are in the process of growing from seedling to harvest as the subject of insurance.

At present, China's crop insurance during the growing period includes: wheat planting insurance, rice planting insurance, corn planting insurance, cotton planting insurance, tobacco planting insurance, sugarcane planting insurance, etc.

2.Crop insurance during the harvest period. Crop insurance during the harvest period is an insurance that covers the loss of crop products caused by floods, floods, storms and other disasters in the process of drying, rolling, threshing and roasting after the crops are harvested, such as wheat field summer grain fire insurance, flue-cured tobacco flood insurance, etc.

Therefore, you can first find out what is included in the insurance you are going to buy and choose the coverage that is suitable for you. If you really encounter some accidents, report the case in time and prepare the corresponding materials according to their needs.

I will share with you a case, 65% of the fishing grounds in Chengdu are insured by AVIC Groupama, not long ago in Ya'an**, resulting in a large area of fish death, AVIC Groupama estimated the loss of more than 100 million, and the insured users have received corresponding compensation. Therefore, it is necessary to be prepared for a proper selective purchase.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Dear and dear, according to your wheel and limb problems, we will make the following for you for reference only: crop insurance is aimed at food crops such as rice and wheat and cash crops such as cotton and tobacco, and the insurance covers the loss of wax or harvest value or production costs due to natural disasters or accidents during the growth 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 underwritten according to the production expenses invested by the crop at different times and at different growth stages.

Agricultural insurance is divided into planting insurance and breeding insurance according to the different types of nuclear industry in the agricultural section; 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, which 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 subjects of agricultural insurance include crop cultivation (agriculture), forest creation (forestry), livestock and poultry breeding (animal husbandry), aquatic breeding, fishing (fishery) and sideline businesses attached to agricultural production activities in rural areas.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Answers]: a, b, d, e

Characteristics of agricultural insurance: The scope of agricultural insurance is large. Agricultural insurance is subject to multiple risks. The investment in insurance operation is large and the loss ratio is high. It is difficult to develop agricultural insurance. Agricultural insurance is a quasi-public good.

Answer]: B agricultural insurance as a kind of commodity, its utility is inseparable, the benefits of the transport are not exclusive, and the calculation of the benefits of the quiet wheel is vague. Therefore, agricultural insurance is a quasi-public good.