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    Home > Active Ingredient News > Feed Industry News > Zhejiang "water test" policy agricultural insurance co insurance system

    Zhejiang "water test" policy agricultural insurance co insurance system

    • Last Update: 2008-11-03
    • Source: Internet
    • Author: User
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    Introduction: agricultural insurance is expected to make a breakthrough in Zhejiang Province The reporter learned from Zhejiang insurance regulatory bureau that after more than one year of joint research, discussion and modification by relevant departments, the pilot implementation plan of policy based agricultural insurance has been preliminarily determined and reported to the Zhejiang provincial government for approval, and can be implemented after the approval of the provincial government It is expected that agricultural insurance will be piloted in the province by the end of this month According to the principle of "government leading and market operation", Zhejiang Province will establish a policy oriented agricultural insurance co insurance system to promote the development of agricultural insurance in the whole province There are many modes of agricultural insurance management According to the implementation plan of Zhejiang provincial policy agricultural insurance pilot co insurance pilot project issued by Zhejiang Insurance Regulatory Bureau, the co insurance model determined by Zhejiang Province means that two or more commercial insurance companies, authorized by the provincial government, operate the provincial policy agricultural insurance projects, share premiums, bear risks, enjoy policies and jointly provide services in accordance with the proportion agreed in the articles of association Form of insurance organization The members of the coinsurance body are composed of the "chief insurer" and the "coinsurance", which implement the underwriting, claim settlement, risk reserve deposit, etc of agricultural insurance in the mode of commercial insurance operation The head of Zhejiang Insurance Regulatory Bureau said that the co insurance mode is the ideal insurance mode for major projects and rare catastrophe with uncertain loss probability in domestic and foreign insurance circles, which can reduce the risk of exclusive insurance and improve the tolerance for resolving catastrophe risk It is reported that Zhejiang Province has designated the Zhejiang branch of PICC, which has the largest underwriting share, as the "chief insurer" and the "coinsurance body" composed of 11 property insurance companies As for the way of claim settlement, according to the situation of catastrophe risk and the bearing capacity of commercial insurance companies, the coinsurance body will implement limited liability claim payment by adjusting the way of claim payment When the agricultural insurance indemnity of the whole province does not exceed 5 times of the agricultural insurance premium received, the coinsurance body shall pay the indemnity according to the approved indemnity; when the agricultural insurance indemnity of the whole province exceeds 5 times of the agricultural insurance premium received, it shall pay the indemnity according to the proportion, so as to realize the indemnity responsibility of bearing 5 times of the agricultural insurance premium at most At the same time, according to different risk areas, different rates are implemented to reflect the fairness of charges and risk consideration Specifically, the chief insurer shall take the lead in organizing the member companies of the joint insurance entity, and divide the whole province into three risk areas according to the principle of "low guarantee and low rate" and the catalogue of pilot insurance types, and the risk level of different varieties in different regions, and implement different rates In terms of financial support, considering that the agricultural insurance involves the policy insurance business of strengthening the basic position of agriculture, Zhejiang Province will also provide financial support for the compensation liability of the "coinsurance body" According to the pilot scheme, if the total amount of compensation exceeds 2-3 times of the premium, the "coinsurance" and the government will bear the compensation liability in the proportion of 1:1; if the total amount is more than 3 times, it will be shared in the proportion of 1:2 Zhejiang decided to allocate 10 million yuan as financial support It is reported that at present, Zhejiang Province has identified 11 varieties of planting and breeding industry as pilot dangerous species, including rice, greenhouse vegetables, watermelon, citrus, forestry in planting industry, pig, cow, chicken, duck, goose, freshwater fish in breeding industry, etc 11 counties (cities and districts) including Xiaoshan District of Hangzhou, Cixi City of Ningbo, Ruian City of Wenzhou, Tongxiang City of Jiaxing, Deqing County of Huzhou, Shangyu City of Shaoxing, Wenling City of Taizhou, Jinhua Jindong District, Dinghai District of Zhoushan, Longyou County of Quzhou and Jinyun County of Lishui were preliminarily determined as pilot counties (cities and districts) of agricultural insurance Each pilot county (city, district) carries out pilot underwriting according to the "1 + 4" mode, i.e rice (compulsory insurance) + 4 varieties (selection) 11 pilot counties (cities and districts) of agricultural insurance will be piloted for three years in a row, and will be rolled out in the whole province after success This pilot mode is still exclusive in China It is also understood that the new rural cooperative medical insurance has been piloted in Taizhou.
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