筛选保险公司产品和灾后定损是做好经济林保险的2个关键环节。综合考虑当地气候特点、参保树种的生物学特性、保险责任范围及费率高低4个因素,选择适合的保险产品,让果农受益更多;果实减产定损,情况复杂,要多调查取证,科学判断,避免出现理赔纠纷。结合2年的实践,从保险公司、政府2个层面分别提出完善措施及建议。 Screening insurance products and damage after the disaster is to do a good job economic forest insurance 2 key links. Comprehensive consideration of the characteristics of the local climate, the biological characteristics of the insured species, the scope of insurance coverage and the level of rates, select appropriate insurance products, so that farmers benefit more; fruit cut set loss, the situation is complex, to investigate and collect evidence, Scientific judgments to avoid claims disputes. Combined with 2 years of practice, from the insurance company, the government proposed two levels of improvement measures and recommendations.