Picc property and casualty insurance agriculture, rural areas and farmers insurance publicity

Summary and plan of agricultural insurance work

Under the leadership of Gu 'an County Party Committee and government, with the joint efforts of the county leading group for policy-based agricultural insurance, and with the strong support and cooperation of grass-roots units, the implementation of policy-based agricultural insurance has achieved good results, effectively promoted the development of agricultural production in our county, and played a positive role in restoring production for all kinds of affected people.

In 20xx, our county underwrote five kinds of agricultural insurance: corn, wheat, dairy cows, fertile sows and fattening pigs. * * * There are 8 townships with xxxx million farmers insured, and the insurance premium (including financial subsidies) is xxxx million yuan, of which farmers pay xxxx million yuan, accounting for xx %； of the total insurance premium; The financial subsidies of the central, provincial and municipal levels are xxxx million yuan, accounting for xxxx million yuan of annual compensation expenditure of the total premium, and the payment ratio reaches xx%. The development of policy-based agricultural insurance in our county in 20 13 years is summarized as follows:

First, a complete and powerful working organization has been established.

Our county is headed by the deputy county magistrate in charge of insurance work, and a leading group for policy-oriented agricultural insurance has been established, which is composed of agricultural office, finance bureau, agriculture bureau, animal husbandry bureau, PICC P&C company and other departments. The leading group has an office responsible for daily affairs. In order to ensure the smooth implementation of agricultural insurance, the county 15 townships have also established corresponding agricultural insurance extension stations, set up an agricultural insurance agency team, and hired technical backbones of farming and breeding industries from township agricultural technology centers and livestock breeding stations as township extension workers, and village cadres assisted in the business development and on-site survey of agricultural insurance.

Two, increase publicity, so that the special policy of agricultural insurance for the benefit of the people into the village. Policy-oriented agricultural insurance has many varieties, wide coverage, wide benefits and strong policy. In order to let farmers know, understand and accept this policy of enriching the people and benefiting the people in time, we must do a good job in propaganda. This year, actively contact radio and television stations to produce special programs on agricultural insurance, and consider the viewing habits of farmers' friends and broadcast them on appropriate TV channels and time slots; At the same time, combined with the form of sampling questionnaire, we went deep into thousands of households to find out the situation of rural grassroots, and publicized and reported the knowledge of policy-based agricultural insurance in detail from the aspects of insurance publicity, insurance mobilization and on-site compensation, so that farmers in the county could truly realize that policy-based agricultural insurance is a policy of benefiting farmers by stabilizing farmers' income and sharing agricultural risks.

Three, formulate a series of management measures and measures to ensure that the premium collection is convenient and timely. According to the planting area of the insured crops and the number of live pigs on hand, determine the underwriting scope of the year, combine the actual situation of each township, implement the underwriting target of insurance varieties, and implement the principle of "relative concentration" in the way of underwriting contract, that is, the whole township and village concentrate on insurance and underwriting, and it is forbidden to accept multiple insurance and proportional insurance. Detailed policy signing procedures and formalities, when collecting premiums, the branch company will go to the township site to verify the list and collect premiums. In terms of survey and claim settlement, due to the wide coverage of agricultural insurance and frequent disasters and accidents, how to survey and claim settlement in time is the key to do a good job in policy-based agricultural insurance. We have formulated the detailed implementation rules for county disaster claims. In disaster claims, claims are linked to premium collection, insurance period and field survey losses, so that disaster events are true, disaster losses are accurate and survey claims are timely. Second-tier companies at the city and county levels have established a review system for compensation cases, conducting spot checks and self-inspections. Responsibility is decomposed layer by layer and implemented to people. At the same time, all compensation cases will be publicized and reported.

Fourth, the existing problems and suggestions

(A) the management cost of agricultural insurance is insufficient. Agricultural insurance underwriting and claims are widely dispersed, involving thousands of households in rural areas, which will inevitably increase operating costs objectively and subjectively. It is suggested that the government appropriately raise the standard of operating expenses and increase the necessary investment, so as to effectively stimulate the enthusiasm of insurance enterprises to operate agricultural insurance, stabilize the operation of enterprises, and provide services to enhance the disaster relief capacity of agriculture, rural areas and farmers in our province.

(B) Agricultural insurance management level and work skills need to be improved. Agricultural insurance is very technical and policy-oriented. Without certain professional knowledge and operational skills, operating agricultural insurance will inevitably affect the quality and achievements of operation. At present, some employees lack experience and skills and cannot meet the requirements of business development. It is suggested that the competent government departments should actively strengthen communication and coordination with insurance enterprises, strengthen training exchanges, learn from each other's strengths, and constantly improve the management ability and level of agricultural insurance pilots in our province.

(C) Claims service is not smooth enough. The main reasons why the insurance claims for pigs (fertile sows) can't keep up are as follows: First, the animal husbandry and veterinary departments in counties and cities are not coordinated enough in the inspection work, or only the inspection results are not issued, or sometimes the inspection fees are directly charged to farmers, resulting in different opinions of farmers; Second, due to the limited business personnel of grass-roots units, and the distribution of farms and insurance targets in rural and remote areas, the survey and damage determination are not timely enough. It is suggested that the competent government departments come forward to coordinate and make it clear that the county-level animal husbandry departments, especially township-level animal husbandry stations (institutes), will actively support the inspection of fertile sows.

Verb (abbreviation of verb) Work plan and working ideas for next year.

In 20xx, the Company will continue to conscientiously implement the spirit of the CPC Central Committee, the people's governments of the State Council and Hebei Province and the head office on actively developing agricultural insurance, improve its service capacity, and give full play to its industry advantages and functions of supporting agriculture.

(1) Intensify the construction of rural power grid and accelerate the pace of rural power grid construction. In order to ensure the positive and steady development of agricultural insurance next year, our company will further accelerate the pace of rural network construction, pay close attention to the implementation of marketing plans, expand the rural insurance market, and continuously expand the coverage of rural or agricultural insurance, so as to effectively provide necessary and comprehensive insurance protection services for agriculture, rural areas and farmers.

(two) to expand agricultural insurance publicity, improve the insurance awareness of rural people.

With the support and guidance of the municipal branch, in accordance with the requirements of the local government and with the assistance of the competent government departments at all levels, we will conscientiously carry out publicity work to make rural people understand insurance, understand insurance, accept insurance and take the initiative to participate in insurance; Actively cooperate with the government to carry out the pilot work of policy agricultural insurance, and further expand the coverage of policy agricultural insurance pilot.

(3) Strengthen risk management and control to ensure continuous business operation. First, strictly control the quality of underwriting, do a good job in on-site inspection and risk assessment, and prevent "illness from entering the mouth"; We must also strictly control the quality of claims, standardize the workflow, ensure the first site survey, prevent unjust, false and wrong cases, and guard against moral hazard. The second is to strengthen communication and cooperation with government departments, obtain manpower and technical support, make up for the shortage of personnel and professional skills in grass-roots units, avoid the passive situation in the process of operation and management, and ensure the sustainable operation of agricultural insurance pilot business.

(D) Actively do a good job in government marketing and strive for policy support. To develop agricultural insurance, we must rely on the government's policy support and administrative promotion to a great extent. Therefore, according to the actual situation, we should increase the marketing efforts of local governments, strive for the support of governments at all levels and functional departments to the maximum extent, and actively promote the steady development of agricultural insurance pilot work in our county with the help of the administrative ability of the government.

I hope to adopt my answer.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.