What are the characteristics of the aquaculture insurance contract? I would like to know the details

Aquaculture insurance refers to the insurance that underwrites certain dangers that may be encountered in the breeding process with various animals in the breeding process as the subject of insurance. After taking out this insurance, the insurer will compensate the insurer in accordance with the contract when the animal that is the subject of the insurance is raised during the insurance period and suffers from an accident or illness such as a natural disaster within the scope of the insurance.

Breeding insurance can be divided into two categories according to the different insurance objects: livestock and poultry breeding insurance and aquaculture insurance. Among them, livestock and poultry breeding insurance is the breeding insurance that takes artificially bred livestock and poultry as the insurance object.

Livestock and poultry breeding insurance can also be divided into livestock insurance and poultry insurance according to the different insurance objects.

As for aquaculture insurance, it is aquaculture insurance that uses water areas to artificially breed aquatic economic animals and plants. Aquaculture insurance can also be divided into two categories: freshwater aquaculture insurance and marine aquaculture insurance according to the different environmental conditions of the waters.

What are the types of insurance for aquaculture?

Generally speaking, aquaculture insurance will be divided into five categories, namely large livestock insurance, small livestock insurance, poultry insurance, aquaculture insurance, and special breeding insurance.

Livestock farming refers to the production sector that raises livestock and poultry for animal products or draft animals by means of grazing, captive breeding, or a combination of the two. It includes livestock breeding, poultry breeding, and domestication of economic animals. The main characteristics and requirements of the aquaculture industry are:

1) Its expansion and reproduction is very closely related to the proportion of males, females, young animals and young animals in various types of livestock and poultry. Therefore, maintaining a reasonable herd structure is very important to speed up the development of the livestock industry.

2) Feed is the foundation of the aquaculture industry, and only by continuously solving the problem of feed can we accelerate the development of the aquaculture industry.

3) The commerciality of the aquaculture industry is very high, and the products are not easy to transport and are prone to perishability. Therefore, it is necessary to cooperate closely with each other in terms of procurement, processing, storage, and transportation.

4) The aquaculture industry has greater adaptability to natural conditions and economic conditions, that is, it can be grazing and feeding.

Because of the existence of these characteristics and requirements, therefore, the development of aquaculture industry must be based on the natural economic conditions of various places, according to local conditions, and give full play to the advantages.

Aquaculture insurance refers to the insurance that takes all kinds of animals in the breeding process as the subject of insurance, and takes certain dangers that may be encountered in the breeding process as the insurance liability. Aquaculture insurance takes living animals as the subject of insurance, and after the insured pays a certain insurance premium, it will give certain compensation for the losses caused by natural disasters, accidents and diseases within the scope of insurance liability during the breeding period.

Aquaculture insurance contract refers to the agricultural insurance contract with aquaculture products as the subject of insurance, which can be further divided into livestock insurance contract, livestock and poultry insurance contract and aquaculture insurance contract according to the different insurance objects.

Key features: 1 The choice of insurable risks in aquaculture. Eliminating uninsurable risks is an effective means to maintain the sound operation of aquaculture insurance.

For the insurer who is ready to bear the risk of aquaculture, the principle of compliance is consistent with the general principle of selecting the insurable risk of the insurance industry, but because the aquaculture industry is different from the industry characteristics of other industries, it is determined that the insurable risk of the aquaculture industry has the unique characteristics of the industry.

2 Choice of insurance period. The insurance period of aquaculture insurance is generally consistent with the production cycle of animal breeding.

3 Determination of the amount insured. The insured amount of different insurance objects in aquaculture insurance should be determined separately according to their value.

Compared with general contracts, the subject matter of the insurance contract is risk, which is a special type of contract with its own characteristics: 1) The insurance contract is a bilateral contractThe insurance contract, as a legal act, is legally binding on both parties once it takes effect. (2) The insurance contract is a contract of both attachment and agreement, and the general civil and commercial contract is negotiated entirely or mainly by the parties to agree on the content of the contract.

However, this is not the case with insurance contracts, whose content is produced to reflect the characteristics of an adhesive contract. (3) The insurance contract is a mandatory contract, and the so-called essential form means that the conclusion of the contract shall be carried out in accordance with the specific form prescribed by law. (4) The insurance contract is a paid contractThe insurance contract is a paid contract, that is, the insured must pay the corresponding insurance premium to obtain insurance protection.

5) The insurance contract is a good faith contract, and in view of the particularity of the insurance relationship, the requirements for the degree of good faith in the insurance contract are much greater than those of other civil contracts. It can be said that the rights and obligations of the insurance contract are completely based on good faith, so the insurance contract is called the "maximum good faith contract". (6) The insurance contract is a guarantee contract, and the insurance contract is a guarantee contract, that is, the insurance contract is a contract in which the insurer provides economic security when the insured suffers an insured accident.

7) The insurance contract is a contract of promise, that is, the parties to the insurance contract express the same intention, and the insurance contract is established, and the delivery of insurance premiums or other physical objects is not a necessary condition.

According to the needs of business management, aquaculture insurance is divided into several types according to the insurance subject: 636f707962616964757a686964616f31333431356637

1. Large livestock insurance.

Large livestock insurance is a kind of death loss insurance that takes the life value of large livestock (mainly cattle, horses, donkeys, mules, camels, etc.) raised in captivity as the subject of insurance. There are many types of large livestock, and the value of each breed is relatively different, and the insurance liability and insurance rates of different types of large livestock are also very different.

2. Small livestock insurance.

Small livestock insurance is a kind of death loss insurance that takes the life of small and medium-sized livestock raised in captivity as the subject of insurance. It mainly includes pigs, sheep, rabbits and other small and medium-sized animals with short growth cycles, fast speed and high commodity rate. Due to their own characteristics, small livestock insurance is very different from large livestock insurance in terms of insurance technology and insurance content.

Aquaculture mainly includes cattle, horses, donkeys, mules, camels, pigs, sheep, chickens, ducks, geese, rabbits, bees, and other domestic animals and poultry breeding, and the domestication of deer, marten, otter, musk deer, and other wild economic animals. It not only provides raw materials for textile, oil, food, pharmaceutical and other industries, but also provides rich foods such as meat, milk, eggs and poultry for people's lives, and provides draft animals and manure for agriculture.

Call the customer service of the insurance company! 95589

There are many ways to classify agricultural insurance, one of which is classified as follows:

It is divided into breeding and planting, so agricultural insurance is called "two industries" insurance, which is divided into livestock and poultry breeding and aquaculture.

Plantation is divided into forest insurance and crop insurance.

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The general process for mainland customers to purchase insurance in Hong Kong is as follows:1You can first communicate with the company's financial advisor, and note that it is a real financial advisor registered with the Hong Kong Insurance Regulatory Commission.

After communication and understanding of the situation, the financial consultant will issue a plan, and then exchange views with the customer, explain the plan, and if necessary, modify the plan according to the customer's feedback and needs, and finalize it. 2.Once you have decided on your plan, you can arrange a time to make an appointment with your financial advisor to sign your plan in Hong Kong.

Apply for a Hong Kong and Macao Permit to Hong Kong. Please note that any insurance outside of Hong Kong** and contracted insurance is called an "underground policy" and is not protected by law, please be sure to go to Hong Kong to sign up in person; 3.After arriving at the company, I will fill in the application information that needs to be submitted with the financial consultant in the company, and then...

Generally, aquaculture insurance is divided into two categories: livestock and poultry breeding insurance and aquaculture insurance.

Since 2016, the China Insurance Regulatory Commission has approved PICC Property Insurance to use insurance funds to carry out pilot business of supporting agriculture and small financing, and in 2017, it approved a direct investment amount of 25 billion yuan in insurance funds, and the cumulative contract amount has exceeded 9 billion yuan so far, and animal husbandry financing accounts for more than 80% of the total contract.

In recent years, policy-based insurance and insurance to support agriculture have played a positive role in alleviating the external constraints on the development of animal husbandry. Yu Kangzhen, Vice Minister of the Ministry of Agriculture, said that exploring and promoting new animal husbandry insurance products, and jointly promoting the pilot of new products such as breeding income insurance, index insurance, insurance +, and the whole industry chain combination insurance will promote the expansion of animal husbandry insurance.

Exploring the establishment of a new model of insurance funds to support agriculture, and jointly carrying out farmer loans, enterprise loans, government financing and other innovative financing models can promote the solution of financing problems for the development of animal husbandry. Through the development of characteristic animal husbandry to promote targeted poverty alleviation, focusing on the implementation of mortgage-free and guarantee-free agricultural financing business in deeply impoverished areas, to help impoverished areas accelerate the development of regional characteristic animal husbandry.

In agricultural insurance, the content of aquaculture insurance is different according to the leading aquaculture industry in the region, and the content of insurance is also different, for example, the type of aquaculture insurance here is pigs and dairy cows, and the state and local governments support it very much, and farmers only bear one-tenth of the insurance premium.

The types of aquaculture insurance are mainly divided according to the category of animals, generally including large livestock insurance, small livestock insurance, poultry insurance, aquaculture insurance and special breeding insurance. Poultry insurance is a type of agricultural insurance that takes poultry as the subject matter of insurance. The insurance company is liable for the loss of death caused by illness, accidental injury or natural disaster during the insurance period, mainly covering commercial poultry raised by state-owned farms and pastures, rural cooperative economic organizations, professional farmers and individual farmers.

The main types of insurance are chicken, duck, goose, etc. When poultry has an insurance accident, farmers can only get compensation for the basic insurance amount, and the subsidy given can only provide basic insurance protection for poultry farmers. There are three situations in which the insurance company is not responsible for compensation:

1. It is the intentional or negligent act of the insured, the keeper and their families, the mismanagement, or the malicious act of others;

2. The disease occurs during the disease observation period;

3. Death caused by theft, freezing and starvation, or transportation.

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

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. 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. Other farming 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.

Plantation insurance covers the loss of harvest value or production costs due to natural disasters or accidents. 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.

When the value of the harvest is taken as the subject matter of insurance, a certain percentage should be left for the insured to 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. 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. 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.

Economic forest, garden nursery insurance. 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.

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

The main types of agricultural insurance in China are: agricultural product insurance, pig insurance, livestock insurance, dairy cow insurance, farming 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 breeding, watermelon hail disaster, pear harvest, wheat frost damage, cotton planting, cotton field mulch cover hail disaster insurance, apple, Ya pear, flue-cured tobacco insurance, etc.