In 2022, the No. 1 document of the Central Committee was officially released, proposing to explore the development of full cost insurance and planting income insurance in terms of ensuring the supply of "vegetable basket" products, so as to achieve full cost insurance and planting income insurance for the three major grain crops in the main producing provinces and counties with full coverage.
In terms of planting income insurance, Sunshine Insurance actively carries out agricultural exploration according to the characteristics of local products, and in 2018, it tried to carry out carrot price index insurance in Inner Mongolia; last year, it cooperated with the promotion and implementation of "corn income insurance" in Yi'an County, the first pilot city in Heilongjiang, with remarkable results.
Spring returns to the land, ice and snow melt, Vientiane is renewed, and in the fields of Yi'an County, Qiqihar City, Heilongjiang, the busy figures of the peasant masses can be seen everywhere, showing a busy spring ploughing scene. Poverty alleviation household Lao Wang is busy turning the soil and preparing the land, full of energy, he excitedly told us: "Look at this land, last year's sudden rainstorm led to flood disasters, the harvest of 70 acres of corn planted is much less than in previous years, fortunately at the beginning of the year, the county gave us free insurance, and finally the insurance company gave us 2450 yuan! Thanks to the government, thanks to Sunshine Insurance! ”
Respond to central file one
"Income insurance" came into being
The 2022 Central Document No. 1 was officially released, stating that "... It is necessary to rationally guarantee the peasants' income from growing grain, and realize the full cost insurance of the three major grain crops and the full coverage of the major grain producing counties in the main producing provinces..." In recent years, due to the widening of the price difference between grain prices at home and abroad, the decline in domestic grain prices, and the phenomenon of "increasing production without increasing income" has become more and more common. In order to stabilize peasant incomes, reduce the impact of natural disasters on agricultural production, and promote the development of agriculture and rural economy, "income insurance" came into being.
"Income insurance" breaks the situation of traditional agriculture "relying on the sky to eat", cracks the embarrassing situation of "increasing production without increasing income" due to market supply and demand and other reasons, improves the ability of peasant households to resist natural disasters and market risks, and truly holds up a "protective umbrella" for large grain growers.
There is no reduction in production and low prices
Bottom farmers with planting income
In 2021, in accordance with the notification requirements of the "Pilot Work Plan for The Complete Cost Insurance and Planting Income Insurance of the Three Major Grain Crops in Heilongjiang Province", Yi'an County of Qiqihar City, Heilongjiang Province, became the first pilot city of "Corn Income Insurance". Sunshine Property & Casualty Heilongjiang Branch carried out more than 100 publicity sessions on "income insurance" by going to the countryside to explain the knowledge of income insurance policy, distribute publicity materials and publicize vehicle flow by going to the countryside to explain the knowledge of income insurance policy, distribute publicity materials and publicize vehicle mobility, and open up the "last kilometer" of new agricultural insurance publicity. In 2021, Sunshine Property & Casualty Heilongjiang Branch underwrote a total of "corn income insurance" for 100,000 mu of corn land for 564 households in Yi'an County, with a guarantee amount of 108 million yuan. During the insurance period, farmers are guaranteed losses of actual income from insured corn that is lower than their expected income due to lower corn prices and/or lower corn production due to natural disasters.
In September 2021, a sudden rainstorm fell in Yi'an County, flooding farmland and affecting corn. After learning of this situation, the claims adjuster of the branch visited the field at the first time and waded deep into the field to measure production. According to the survey, the peasant households insured with "income insurance" affected more than 15,000 mu of farmland, and the losses were serious. Sunshine Property & Casualty Insurance immediately started the claim settlement work, paying more than 5.46 million yuan in compensation to 564 affected farmers, of which 161 were poverty alleviation households, solving their worries. "In this corn field at home, I am no longer afraid of natural disasters such as large blisters and insect bites, and I am not afraid of low prices and difficulties in selling grain." The indemnified farmer said happily.
In 2022, Sunshine Insurance will implement the national three rural strategy, comprehensively promote the full cost insurance and income insurance of the three major staple grain crops in the major grain producing provinces in the country' major grain producing counties, in accordance with the local government's agricultural insurance policy, explore the establishment of full cost insurance and income insurance for commercial vegetables, fruits, animal husbandry, freshwater breeding and other products, continuously improve the level of agricultural insurance protection, and better contribute to rural revitalization.