政策性农业保险制度是国家惠农政策与保险功能的有机结合。一方面,我国“三农”发展,离不开保险,特别是有财政补贴的政策性农业保险的支持;另一方面,对农业保险经办公司而言,大力发展农业保险,发挥财政补贴惠农杠杆和保险保障功能的同时,借助其形成的渠道资源和示范效应,在广大农村协同推进农业保险以外的涉农商业保险,既可以满足农村保险的多样化需求,又为保险公司有效进入农村市场提供了支点。因此“三农”保险涵盖农业 Policy-oriented agricultural insurance system is an organic combination of the national beneficiary policies and insurance functions. On the one hand, the development of agriculture, rural areas and farmers in our country is inseparable from the support of insurance policies, especially the policy-oriented agricultural insurance with financial subsidies. On the other hand, in the case of agricultural insurance companies, vigorously develop agricultural insurance and give full play to the financial While subsidizing beneficiation levers and insurance support functions, with the help of its formed channel resources and demonstration effects, it is feasible to jointly promote commercial agriculture-related commercial insurance beyond agricultural insurance in the vast rural areas in order to meet the diversified needs of rural insurance as well as insurance companies Access to rural markets provides the fulcrum. Therefore, “three rural” insurance covers agriculture