Fruit Tree Insurance What is Fruit Tree Insurance?

Fruit tree insurance is a type of insurance for the loss of economic forest products. Fruit trees (including: walnuts, chestnuts, red fruits, begonias, fresh dates, peaches, apples, pears, apricots, persimmons, grapevines, etc.) are an insurance that enables fruit farmers to receive financial compensation in the event of hail damage.

It mainly underwrites contiguous fruit trees in professional households, villages or townships, and does not insure sporadic fruit trees. The sum insured is based on the average yield of the fruit trees in a normal year in the previous 2 or 4 years and 70% of the actual annual yield at the time of insurance set, based on the amount insured and the previous year's acquisitions** by the State Acquisition Department.

Fruit tree insurance selects single disasters or concomitant disasters as insurance liabilities according to the natural disasters that cover the death of major tree species, and generally does not cover the pests and diseases of fruit trees. Generally, it can be divided into two types: fruit tree yield insurance and fruit tree death insurance. Fruit tree yield insurance refers to the full fruiting period of the fruit tree, and the first fruit stage and senescence period are generally not covered; The insurance period is from the time of fruit setting to the time when the fruit is ready to be harvested and ripe.

Fruit tree death insurance is mostly limited to 1 year.

Hello, it is a pleasure to serve you and give you the following answer: Fruit tree insurance is voluntary. Problems can occur due to disease of the fruit tree, disasters and other unexpected events, which can cause damage to the fruit tree.

The solution is to purchase fruit tree insurance to protect your tree from diseases, disasters, and other unexpected events. The steps to purchase fruit tree insurance are as follows:1

Inquire about eligibility: Ask the insurance company about the eligibility of the company, as well as the requirements for insurance, such as the type of tree reburial. 3.

Fill in the insurance policy: Fill in the insurance policy provided by the insurance company, including the basic information of the fruit tree, the scope and term of the insurance of the nuclear horse, etc. 4.

Sign the insurance contract: Sign the insurance contract and pay the premium. 5.

Know the terms of the insurance: Understand the terms of the insurance you are applying for and make sure you have a clear understanding of the terms of the insurance. Personal Experience:

Purchasing fruit tree insurance is the best option to protect your fruit tree from diseases, disasters, and other unexpected events, but make sure you understand the terms of the insurance to protect your interests.

1. The procedures for handling commercial insurance are very simple: first of all, the ID card of the policyholder, and then the bank fold, which is different for each company, some need to be handled by CCB or postal, and some are industrial and commercial folds, and the company is different.

2. Then the amount of critical illness insurance, accident insurance and participating insurance of each company is different, if it exceeds this amount, you need to add a special insurance contract, and the insurance company will sign for you.

3. Then the policy is signed, and now there is a new one for the CIRC to review a single signature, and then there is a power of attorney, which is used for bank automatic transfer, and these signatures are OK.

4. Then if you buy it for your child, you also need a vaccination certificate and a birth certificate.

Note: All you need to prepare yourself are copies.

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

For fruit growers, natural disasters such as hail and frost are likely to cause catastrophe. How to reduce risks, protect the interests of fruit farmers, and promote the healthy development of the fruit industry? How to make the protection role of insurance play a positive role in fruit production?

Today, Shanxi is the first to launch a municipal-level "policy-based fruit tree insurance".

Fruit farmers spend dozens of yuan to buy an insurance for fruit trees, and after encountering natural disasters such as hail and frost, they can get corresponding compensation, and the cost of insurance for fruit farmers is also subsidized by the city and county. In this way, the loss borne by the fruit farmers alone has become shared by the company, the insurance company and the fruit farmers, and the burden on the fruit farmers has been greatly reduced.

Fruit Tree Insurance Payment Standards:

In accordance with the principle of guidance, policy support, market operation, voluntary participation, and coordinated advancement, the model of "farmer + finance + insurance" is adopted, and premium subsidies are given to insured farmers through financial funds, and the insurance company provides insurance services for fruit tree disaster losses to farmers, and gradually establishes a system of supporting agriculture and benefiting farmers under the guidance of financial funds, strengthening cooperation with the insurance industry, jointly bearing risks, and improving the disaster resistance of the fruit tree industry. This year, the city has taken the lead in the pilot work of planting insurance for apples, pears, walnuts, red dates and grapes. Among them, Qi County and Pingyao County have piloted pear planting insurance, Lingshi County and Zuoquan County have piloted walnut planting insurance, Taigu County has piloted grape and jujube planting insurance, and Yuci District has piloted apple planting insurance.

This local policy subsidizes the type of insurance, and the premium is shared by the city, county, and fruit farmers, with 30% of the municipal financial subsidy, 30% of the county-level financial subsidy, and 40% of the insured.

In the specific implementation, the insurance amount of the fruit tree insurance subsidy insurance is in principle the direct physical and chemical costs incurred during the growth period of the insurance subject, including the cost of autumn fertilizer, fruit bagging, etc. The insurance premium per mu ranges from 40 yuan to 120 yuan, and the insurance amount per mu ranges from 1,000 yuan to 1,500 yuan.

It is understood that the "policy-based fruit tree insurance" will be promoted in the form of pilot first, key breakthroughs, gradual promotion and comprehensive coverage, and strive to fully roll out the insurance work of various fruit tree varieties in our city within 3 years.

Extended reading: [Insurance] How to buy, which is better, teach you to avoid this bridge model of insurance"pits"

Answer]: A fruit tree yield insurance only covers the full fruiting period of the fruit tree, and the early fruiting period and senescence period are generally not covered. Therefore, A is selected for this question.