Agricultural insurance what kinds of insurance

The main types of agricultural insurance are: agricultural insurance, hog insurance, livestock insurance, dairy insurance, cattle insurance, goat insurance, fish insurance, deer, ducks, chickens and other insurance, shrimp, mussels and pearls and other insurance, poultry insurance, rice, vegetable insurance, rice and wheat farms, forest fire insurance, baked tobacco planting, watermelon hail, pear harvest, wheat frost, cotton planting, cotton mulch hail, etc. insurance, apples, ducks and pears, baked tobacco insurance. and other insurance, apple, duck pear, baked tobacco insurance and so on.

I, agricultural insurance (referred to as "agricultural insurance") is designed for agricultural producers in the process of planting, forestry, animal husbandry and fisheries production, to suffer from natural disasters, accidents, epidemics, diseases and other insurance accidents caused by the economic loss of a kind of insurance.

Two, 2012 "Agricultural Insurance Regulations" in the second article provides: "agricultural insurance referred to in these regulations, refers to the insurance company under the agricultural insurance contract, the insured in the process of agricultural production due to the subject of the insurance suffered from the agreement of the natural disasters, accidents, epidemics, or diseases and other accidents caused by the property loss of the insurance premium liability insurance activities. Agriculture, as referred to in these regulations, refers to industries such as planting, forestry, animal husbandry and fisheries."

Third, agricultural insurance is a common practice in market economy countries to support agricultural development. Through the policy agricultural insurance, can be in the scope permitted by the WTO rules, instead of direct subsidies on China's agriculture to implement a reasonable and effective protection, mitigate the impact of accession to the WTO, reduce the impact of natural disasters on agricultural production, stabilize the income of farmers, and promote the development of agriculture and rural economy. In China, agricultural insurance is an important part of the solution to the "three rural" problem.

Four, agricultural insurance according to the different types of agriculture is divided into planting insurance, farming insurance; according to the nature of the risk is divided into natural disaster loss insurance, pest loss insurance, disease and death insurance, accidental loss insurance; according to the different scope of the insurance liability, can be divided into the basic liability insurance, comprehensive liability insurance and all risks; according to the method of payment can be divided into planting loss insurance and harvest insurance.

V. Agricultural insurance and rural insurance are two different concepts, the latter is named geographically, refers to a variety of insurance organized within the rural areas of the general term, in addition to containing agricultural insurance, but also includes township and village enterprises, agricultural producers, a variety of other property and personal insurance.

Sixth, the subject matter of agricultural insurance, including crop cultivation (agriculture), the creation of forests (forestry), livestock and poultry rearing (animal husbandry), aquaculture, fishing (fisheries) in the rural areas attached to the agricultural production activities of the by-products. The basic operating model of China's policy-based agricultural insurance is still to entrust the business to commercial insurance companies, with certain government subsidies. This mode of operation is still in the pilot stage, relatively crude.