What is the compensation standard of 202 1 year rice insurance?

As a kind of agricultural insurance, rice insurance takes rice as the subject matter of insurance.

Two, rice insurance compensation standard is 202 1 year.

(1) During the insurance period, if the insured rice suffers losses within the scope of insurance liability, the insurer shall calculate the compensation according to the following methods:

Compensation amount = maximum compensation standard in different growth periods × compensation ratio of loss rate × damaged area.

The highest compensation standard for different growth stages of rice: survival-turning green period after transplanting, the insured amount per mu × 60%; Tillering stage, the insured amount per mu × 80%; Heading and flowering period-harvesting, the insured amount per mu × 100%.

The compensation ratio of rice planting loss rate: below 30%, and it will not be liable for compensation; 30% (inclusive) -50% times 60%; 50% (inclusive) -70% times 80%; If it exceeds 70% (inclusive), press 100%.

(2) In the event of an insurance accident, if the insured amount per mu of insured rice is less than or equal to the actual value at the time of the accident, the insured amount per mu shall be taken as the compensation calculation standard; If the insured amount per mu of insured rice is higher than the actual value at the time of danger, the actual value at the time of danger shall be taken as the compensation calculation standard.

(3) After part of the insured rice is lost, the insured amount and insurance area in this insurance contract will be reduced accordingly from the date of extinction, and the insurer will not refund the insurance premium for the reduced part.

Third, the necessity of rice insurance

In China, rice insurance, as an agricultural policy insurance, is an important part of the "three rural" insurance. It gives strong support to rice growers and can get a certain proportion of compensation when encountering production risks, which has an important impact on reducing agricultural production disaster losses and making up farmers' income. Especially since 20021,droughts and floods have occurred frequently in China, and rice production has been reduced in many areas. It is of great significance to insure rice insurance and related agricultural insurance for ensuring farmers' income.