The Ministry of Agriculture promotes agricultural insurance and launched the first pear policy in 2015. (provided by farmers)
The Ministry of Agriculture promotes agricultural insurance and launched the first pear policy in 2015. There are currently 29 types and 44 policies in agriculture and fishery across the country. According to statistics from the Agricultural Finance Agency of the Ministry of Agriculture, the insurance rate has also increased from 0.93% to 54.32% last year. Agriculture and fishery Although people's concept of premium burden and risk diversification has gradually improved, the claims determination mechanism is not consistent with the actual disaster situation, and the terms and claims thresholds of agricultural insurance products are professionally complex and difficult for traditional farmers to understand, which still prevents agricultural insurance from being fully popularized.
At present, agricultural insurance is mainly divided into five major types, including actual loss compensation, policy linkage, meteorological parameters, regional harvest, and income guarantee. Different products are underwritten by different insurance companies. From the earliest pear, we have now developed fruit tree categories (pear, mango, custard apple, lotus root, papaya, pineapple, banana, pomelo, persimmon, guava, lychee, jujube, citrus, watermelon , peach), rice, sorghum, red beans, calla yam, beekeeping, fishery (grouper, milkfish, seabass, tilapia and cultured aquatic products), animal husbandry (poultry avian influenza, pigs, dairy cows) and agricultural facilities, a total of 29 types and 44 insurance policies.
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The government has also enacted the "Agricultural Insurance Law" to comprehensively promote agricultural insurance in 2021. In order to encourage farmers to take out insurance, the legal basis for providing premium subsidies has been clarified. The Ministry of Agriculture provides in principle a premium subsidy of 1/2 for each item. In January this year, the agricultural insurance premium subsidy method was revised and released, with an additional 5% subsidy for renewal of insurance to reduce the financial burden on farmers.
According to statistics from the Agricultural Finance Administration of the Ministry of Agriculture, the number of agricultural insurance insured last year reached 271,500, the insured area was 239,800 hectares, and the insured amount was 35.3 billion yuan; since the inception of agricultural insurance, the cumulative number of insured cases is 1.164 million, the insured area is 1.046 million hectares, and the total insured amount is 172.3 billion yuan.
In terms of claims settlement, the number of claims settled last year was 19,700, with a claim amount of 768 million yuan, and the cumulative number of claims was 146,000, with a total claim amount of 6.95 billion yuan, which greatly compensated for the losses of farmers.
Due to the small number of crops in our country and their relatively scattered distribution, the same crops face different weather threats in different growing environments. Although the Ministry of Agriculture has launched different types of insurance policies "according to local conditions", the policy conditions are limited. Farmers in neighboring areas have very different claims results for the same disaster, which also makes some farmers dissatisfied and affects their willingness to purchase insurance in the future.
For related news, please see:
Agricultural Insurance 2-2" fails to meet the actual disaster situation and affects farmers' willingness to insure.
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