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森林保险是森林的经营者(投保人或被保险人)志愿参加保险,按照一定的标准向保险公司(保险人)缴纳保险费,当森林受到火灾、病虫害等灾害时,可获得保险公司提供的经济补偿。森林保险主要有以下几种形式:(1)由保险公司主办,有关部门配合,根据现有林木面积、林木生长年限、林木价值及火灾频率等制定保险条款,确定保额和收费率。(2)林业部门与保险公司共同采取“低保额、低保费、保成
Forest insurance is a forest operator (policy holder or insured person) voluntarily participating in insurance and paying premiums to insurance companies (insurers) according to certain criteria. When the forest receives a fire, pest and other disasters, it can obtain information provided by insurance companies Financial compensation. Mainly in the following forms of forest insurance: (1) sponsored by the insurance company, with the relevant departments, according to the existing forest area, forest life, forest value and the frequency of fire and other insurance provisions, to determine the sum insured and charging rates. (2) The forestry department and insurance companies jointly adopt the policy of "a low sum of guarantee, a low premium and a guarantee