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Planting & Weather Insurance
The cumulative amount of peach insurance per mu can reach up to 8,000 yuan
On the morning of July 25, the staff of Zijin Insurance sent 15,000 yuan of compensation to Qian Wenwei, a fruit farmer of Changzhou Wenwei Fruit Professional Cooperative in Xueyan Town, which was the first single fruit meteorological index insurance compensation in the province. Affected by three consecutive rainstorms this year, Zijin Insurance paid 300 yuan per mu to Qian Wenwei's 50 mu peach meteorological index insurance according to the standard.
It is reported that Wujin's peach meteorological index insurance is a pilot project for comprehensive rural reform in Jiangsu Province. Like other agricultural products, peach production is greatly affected by weather factors, and it is difficult for peach farmers to cope with natural risks such as heavy rain, typhoons, and high temperatures alone.
Peach insurance is divided into two parts: planting insurance and meteorological insurance, and the planting insurance must reach more than 30% of the fruit drop rate during the maturity period to trigger the claim, with an insurance amount of 3,000 yuan per mu. The meteorological insurance runs through the entire life cycle of peach production, with an insurance amount of 5,000 yuan per mu. This year, under the guidance and support of the District Agricultural Insurance Working Group, Zijin Insurance Wujin Branch Company piloted and promoted peach meteorological index insurance among large peach growers in Xueyan Town.
At present, a total of 66 large peach farmers with a planting scale of more than 20 acres in Xueyan Town have purchased meteorological insurance, with a premium of 500 yuan per mu. Farmers only need to pay 15% of the premium, or 75 yuan per mu, and the remaining 85% is borne by the government. A total of 65 rural households in Qianhuang, Luoyang and other pilot areas were insured, with a premium of 465 yuan per mu, and farmers paid 15% of the insurance money, that is, 69.75 yuan per mu. "We will make a claim based on the meteorological data provided by the meteorological station. When the disaster meteorological data exceeds the threshold specified in the contract, the claim process can be quickly started, without the need for repeated on-site investigation and damage assessment. The introduction of this insurance reduces disputes and uncertainties in the damage assessment process, ensuring that peach farmers can quickly compensate for the damage. Mao Tianyu, general manager of Zijin Insurance Wujin Branch, told reporters that if the loss rate and weather meet the compensation standard, the insurance amount per mu of peach will reach up to 8,000 yuan.
It is understood that the remaining insurance payouts will be completed before the end of the peach picking season. Chen Lu, chief of the industrialization development section of the District Agriculture and Rural Bureau, said that next year, according to the pilot situation, we will continue to improve and optimize the insurance terms, and strive to achieve full coverage of meteorological insurance for the Wujin peach industry.
Lv Fang, general manager of the Sannong Business Department of Zijin Insurance Jiangsu Branch, said that in the face of meteorological disasters, the central, provincial and municipal governments issue subsidies for natural disasters, but because of their wide coverage, they can only provide basic protection to farmers. After purchasing policy-based agricultural insurance, farmers can play an insurance leverage role, greatly improve the degree of protection, and help them quickly resume production after the disaster. "As the first comprehensive promotion of peach innovation insurance in Wujin, peach meteorological insurance is a breakthrough. In the future, Zijin Insurance Wujin Branch will continue to explore and develop more innovative agricultural insurance and agriculture-related insurance, and give full play to the role of insurance as a stabilizer and shock absorber for rural areas and rural areas. Lu Fang said.
Intern: Ju Jia, reporter: Xu Mengchao, Jiang Xintong
Editor: He Tianlei
Review: Qian Xiaosong Ju Liaoyuan
Please indicate the source for reprinting: Wujin Today
(WeChat: wjrb2013)
Produced by the Propaganda Department of the Wujin District Committee of the Communist Party of China
Wujin District Rong Media Center operates
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