Agricultural Insurance should be closer to the reality of Agricultural production

In order to change the situation of farmers'"watching heaven for food", in recent years, while increasing investment in agricultural science and technology, the state has implemented agricultural insurance support policies, implemented premium subsidies for farmers participating in insurance, and enhanced the risk prevention awareness of the broad masses of farmers. it has effectively protected the interests of farmers and played a positive role in promoting grain production in our country. But at the same time, in the process of investigation, the author found that farmers still have a lot of expectations for agricultural insurance.

I hope to publicize the agricultural insurance clauses in a way that farmers can see and understand. The author found that many farmers have the willingness to take out insurance, but do not understand agricultural insurance, and even some farmers think that buying insurance increases the burden, do not support and do not participate. Therefore, I hope that the government and insurance companies can increase the publicity and guidance of the policy, publicize the agricultural insurance provisions in a way that farmers can see and understand, so that the broad masses of farmers can understand and be familiar with the policy.

Second, it is hoped that the insured varieties can be expanded, subsidies and compensation will be increased. Some disasters that have occurred in recent years have brought great losses to some farmers, and some insured farmers have received compensation. they hope that the agricultural insurance policy will remain unchanged for a long time, and strengthen the subsidies and compensation of agricultural insurance. it is expected to increase more insured varieties, and at the same time, the proportion of insurance subsidies for agricultural products can be appropriately increased, so as to make the insurance program closer to the reality of agricultural production.

It is hoped that the settlement of claims after the disaster will be convenient and timely. Many farmers reported that after the disaster occurred, the procedures for settling claims are cumbersome and slow, which is also an important reason that affects the enthusiasm of farmers to take out insurance. Therefore, farmers hope to simplify the work flow of claims settlement, pay compensation quickly, do not hesitate to make compensation, do not delay compensation, refuse compensation for no reason, and pay the insurance money to the affected farmers' accounts in full according to the standard of compensation under the insurance contract as quickly as possible.

The four hope service outlets and personnel walked into the field. Generally speaking, the business outlets of insurance companies are rarely set up in rural areas, which brings great inconvenience to farmers in purchasing and settling claims. Agricultural insurance should be oriented to the grass-roots level, and insurance companies should set up professional or part-time service outlets in central villages and towns with a concentrated population and a large radiation radius, so that agricultural insurance can really enter the field and be close to rural farmers.