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问:什么是农业保险?答:农业保险是指农业生产者支付小额保险费,把农业生产过程中由于灾害事故造成的农业财产损失转嫁给保险人的一种制度安排。实质是国家为稳定国民经济基础、加强农业保护而实行的惠农政策,由各级财政给予农民保费补贴。问:农业保险的保险责任和期限如何?答:玉米和水稻的保险责任为人力无法抗拒的暴雨、洪水、内涝、风灾、雹灾、旱灾和冰冻(霜冻及障碍性低温冷害)。保险期限根据作物的生长期(从苗期开始到开始收获为止)确定,具体起止日期以保险单载明为准。
Q: What is agricultural insurance? A: Agricultural insurance refers to an institutional arrangement whereby agricultural producers pay small insurance premiums and pass on the loss of agricultural property caused by a disaster accident in the course of agricultural production to the insurer. The essence is the benefit-agriculture policy implemented by the state for the purpose of stabilizing the foundation of the national economy and strengthening the protection of agriculture, and subsidies for farmers’ premiums are given by the governments at all levels of finance. Q: What is the insurance liability and deadline of agricultural insurance? A: The insurance responsibilities of corn and rice are irresistible rainstorms, floods, waterlogging, windstorms, hailstorms, droughts and freezing (frost and obstructive cold damage). The insurance period is based on the growth period of the crop (from the seedling stage to the beginning of harvest), the specific starting and ending date shall be stated in the policy.