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(二)经营管理要求。1.各共保体应当制定和遵守农业保险试点共保体章程,明确共保人各方责任与义务,及时进行保费、赔付及经营管理费用的分摊,主承保人每半年应向所有共保人通报共...
(二)经营管理要求。
1.各共保体应当制定和遵守农业保险试点共保体章程,明确共保人各方责任与义务,及时进行保费、赔付及经营管理费用的分摊,主承保人每半年应向所有共保人通报共保体经营情况。
2.各共保体应当按试点工作要求开展农业保险试点业务,开发农业保险业务处理系统(包括业务系统、财务系统),设立共保体专用帐户,实行分险种单独建帐、独立核算、自负盈亏、结余滚存、封闭运行的财务管理制度。
3.各共保体年度经营总费用实行包干制。种养业共保体包干费用比为年保费收入的25%;渔船,渔民共保体包干费用比为年保费收入的28%。共保人根据其共保体章程确定的份额分配保费、经营费用和利润,承担相应责任和风险。如果橡胶树、香蕉、生猪(不含能繁母猪)保险获得分保,按分保费用追加经营费用。
4.渔民海上人身意外伤害险和船东雇主责任险两个险种按年保费收入的20%固定比例提取保险费,用于建立我省海洋渔业保险发展专项资金。主承保人应在提取后及时转入省财政厅农业保险专用帐户存储,并清分剩余保费。
5.各共保体应当按季度向省财政厅、海南保监局报送农业保险统计报表和财务报表,建立农业灾情保险理赔情况报告制度。
四、财政补贴
根据目前国家有关农业保险保费补贴政策,2008年我省试点险种分为中央险种和地方险种,并实行不同的财政保费补贴标准政策。
(一)保费补贴标准。
1.中央险种。包括能繁母猪保险和水稻保险。
(1)2008年能繁母猪保险保额、费率仍按中国人民财产保险股份有限公司总公司制定的标准(保费60元/头,保险金额为1000元/头)执行,我省暂不作调整。其保费由参保者自缴20%(12元/头),其余80%由中央、省和市县三级财政补贴。中央财政补贴50%(30元/头);海口、三亚、洋浦有省级财政补贴10%(6元/头),本级财政补贴20%(12元/头);其余市县由省级财政补贴20%(12元/头),本级财政补贴10%(6元/头)。
(2)水稻保险保额、费率、保险责任及合同条款由省农业厅与保险经办机构协商制定,报省农业保险试点领导小组批准后实施。其保费由参保者自缴30%,其余70%部分由中央、省和市县三级财政补贴,其中中央财政补贴35%,省级财政补贴25%,市县财政补贴10%。
2.地方险种。除能繁母猪保险和水稻保险以外的其他试点险种。
(1)橡胶树风灾保险根据参保者承受风灾能力的差异实行差别保费补贴,其中农垦参保者自缴90%,省级财政补贴10%;民营参保者自缴70%,省级财政补贴30%。
(2)尖椒保险、长豆角保险保额、费率、保险责任及合同条款由省农业厅与保险经办机构协商制定,报省农业保险试点领导小组批准后实施。其保费由参保者自缴70%,省级财政补贴30%。
(3)香蕉风灾保险、生猪保险(不含能繁母猪保险)、渔船全损保险保费由参保者自缴70%,省级财政补贴30%。
(4)渔民海上人身意外伤害险和船东雇主责任险保费由船东为所雇渔民每份自缴80%,省级财政补贴20%(即每份20元),每人限补三份,多买不补。 展开
1.各共保体应当制定和遵守农业保险试点共保体章程,明确共保人各方责任与义务,及时进行保费、赔付及经营管理费用的分摊,主承保人每半年应向所有共保人通报共保体经营情况。
2.各共保体应当按试点工作要求开展农业保险试点业务,开发农业保险业务处理系统(包括业务系统、财务系统),设立共保体专用帐户,实行分险种单独建帐、独立核算、自负盈亏、结余滚存、封闭运行的财务管理制度。
3.各共保体年度经营总费用实行包干制。种养业共保体包干费用比为年保费收入的25%;渔船,渔民共保体包干费用比为年保费收入的28%。共保人根据其共保体章程确定的份额分配保费、经营费用和利润,承担相应责任和风险。如果橡胶树、香蕉、生猪(不含能繁母猪)保险获得分保,按分保费用追加经营费用。
4.渔民海上人身意外伤害险和船东雇主责任险两个险种按年保费收入的20%固定比例提取保险费,用于建立我省海洋渔业保险发展专项资金。主承保人应在提取后及时转入省财政厅农业保险专用帐户存储,并清分剩余保费。
5.各共保体应当按季度向省财政厅、海南保监局报送农业保险统计报表和财务报表,建立农业灾情保险理赔情况报告制度。
四、财政补贴
根据目前国家有关农业保险保费补贴政策,2008年我省试点险种分为中央险种和地方险种,并实行不同的财政保费补贴标准政策。
(一)保费补贴标准。
1.中央险种。包括能繁母猪保险和水稻保险。
(1)2008年能繁母猪保险保额、费率仍按中国人民财产保险股份有限公司总公司制定的标准(保费60元/头,保险金额为1000元/头)执行,我省暂不作调整。其保费由参保者自缴20%(12元/头),其余80%由中央、省和市县三级财政补贴。中央财政补贴50%(30元/头);海口、三亚、洋浦有省级财政补贴10%(6元/头),本级财政补贴20%(12元/头);其余市县由省级财政补贴20%(12元/头),本级财政补贴10%(6元/头)。
(2)水稻保险保额、费率、保险责任及合同条款由省农业厅与保险经办机构协商制定,报省农业保险试点领导小组批准后实施。其保费由参保者自缴30%,其余70%部分由中央、省和市县三级财政补贴,其中中央财政补贴35%,省级财政补贴25%,市县财政补贴10%。
2.地方险种。除能繁母猪保险和水稻保险以外的其他试点险种。
(1)橡胶树风灾保险根据参保者承受风灾能力的差异实行差别保费补贴,其中农垦参保者自缴90%,省级财政补贴10%;民营参保者自缴70%,省级财政补贴30%。
(2)尖椒保险、长豆角保险保额、费率、保险责任及合同条款由省农业厅与保险经办机构协商制定,报省农业保险试点领导小组批准后实施。其保费由参保者自缴70%,省级财政补贴30%。
(3)香蕉风灾保险、生猪保险(不含能繁母猪保险)、渔船全损保险保费由参保者自缴70%,省级财政补贴30%。
(4)渔民海上人身意外伤害险和船东雇主责任险保费由船东为所雇渔民每份自缴80%,省级财政补贴20%(即每份20元),每人限补三份,多买不补。 展开
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(B) management requirements.
1. A total of the security should be developed and compliance with the agricultural insurance pilot of a total security charter, a total of clear responsibilities and obligations of the parties to the grantor, timely premium payments and management fees assessed, the main insurer every six months to all of the grantor A total of communications security operations.
2. A total of the security requirements should be carried out by the pilot pilot agricultural insurance business, the development of the agricultural insurance business processing systems (including business systems, financial systems), the total security of the establishment of special accounts, implementation of sub-types of separate Jianzhang, an independent accounting, self-financing, Accumulated balance of the closure of the operation of the financial management system.
3. Bao of the total annual operating costs of implementing Baogan Zhi. Planting and breeding industry a total of Baogan-cost ratio of premium income, 25 percent; fishing boats, the fishermen of a total of Bao Bao Gan than the cost of the premium income for the year to 28 per cent. Grantor of a total security in accordance with its statutes determine the share of the allocation of premium rates, operating costs and profits, undertake corresponding responsibilities and risks. If the rubber trees, bananas, pigs (excluding things can sow) was reinsurance insurance, reinsurance costs by additional operating expenses.
4. Fishermen at sea personal accident injury insurance and the owner of two types of employer liability insurance on the annual premium income of 20 percent from a fixed percentage of insurance premiums, the establishment of our province for the development of marine fisheries insurance funds. Extraction of the main insurer in a timely manner after the turn of Finance agricultural insurance account for storage, and the remaining sub-premium.
5. A total of the security should be a quarterly basis to the provincial Finance, Hainan Baojian Ju submitted to the agricultural insurance statistics and financial statements, the establishment of agricultural disaster insurance claims reporting system.
Fourth, financial subsidies
Under the current state of the agricultural insurance premium subsidies, in 2008 the pilot classes in our province is divided into the central and local types of insurance, and apply different standards of the premium subsidy policy.
(A) the premium subsidy standards.
1. Central insurance. Sow insurance can be complicated, including rice and insurance.
(1) in 2008 to sow complex insurance coverage, rates will continue to the Chinese people Property Insurance Company Corporation, the development of standards (premiums 60 yuan / head, the amount of insurance for 1,000 yuan / head) the implementation of our province temporarily Not be adjusted. Their premiums paid by participants from 20 per cent (12 yuan / head), and the remaining 80 percent from the central, provincial and city and county three financial subsidies. The central financial subsidy 50 percent (30 yuan / head); Haikou, Sanya and Yangpu a provincial-level financial subsidies 10 percent (6 yuan / head), the level of financial subsidies 20 percent (12 yuan / head); other provincial cities and counties Level of financial subsidies 20 percent (12 yuan / head), the level of financial subsidies 10 percent (6 yuan / head).
(2) Rice insurance coverage, rates, insurance obligations and the terms of the contract with the Provincial Agriculture Department in consultation insurance agencies, submitted to the provincial agricultural insurance pilot approval of the implementation of the leading group. Their premiums paid by participants from 30 per cent, 70 per cent of the remaining part of the central, provincial and city and county three financial subsidies, of which 35 per cent of the central financial subsidy, the provincial financial subsidies by 25%, cities and counties financial subsidies by 10%.
2. Local insurance. In addition to complex insurance and sow rice insurance other than the pilot classes.
(1) rubber tree hurricane insurance in accordance with the participants the ability to withstand the storm difference differential premium subsidies, of which the participants since the Farm paid 90 percent of the provincial financial subsidies 10 percent of private participants from payment of 70%, the provincial financial Subsidies 30 percent.
(2) Jianjiao insurance, long beans insurance coverage, rates, insurance obligations and the terms of the contract with the Provincial Agriculture Department in consultation insurance agencies, submitted to the provincial agricultural insurance pilot approval of the implementation of the leading group. Their premiums paid by participants from 70 per cent, 30 per cent of the provincial financial subsidies.
(3) banana hurricane insurance, pigs insurance (excluding insurance can be complicated Sow), the total loss of fishing boats insurance premiums paid by participants from 70 per cent, 30 per cent of the provincial financial subsidies.
(4) fishermen at sea personal accident injury insurance and the owner of employers liability insurance premiums from the owner for the self-employed fishermen each pay 80 percent of the provincial financial subsidies 20 percent (20 yuan each), each of the three limited - In, buy more non-meeting.
可能会有一点点错误
1. A total of the security should be developed and compliance with the agricultural insurance pilot of a total security charter, a total of clear responsibilities and obligations of the parties to the grantor, timely premium payments and management fees assessed, the main insurer every six months to all of the grantor A total of communications security operations.
2. A total of the security requirements should be carried out by the pilot pilot agricultural insurance business, the development of the agricultural insurance business processing systems (including business systems, financial systems), the total security of the establishment of special accounts, implementation of sub-types of separate Jianzhang, an independent accounting, self-financing, Accumulated balance of the closure of the operation of the financial management system.
3. Bao of the total annual operating costs of implementing Baogan Zhi. Planting and breeding industry a total of Baogan-cost ratio of premium income, 25 percent; fishing boats, the fishermen of a total of Bao Bao Gan than the cost of the premium income for the year to 28 per cent. Grantor of a total security in accordance with its statutes determine the share of the allocation of premium rates, operating costs and profits, undertake corresponding responsibilities and risks. If the rubber trees, bananas, pigs (excluding things can sow) was reinsurance insurance, reinsurance costs by additional operating expenses.
4. Fishermen at sea personal accident injury insurance and the owner of two types of employer liability insurance on the annual premium income of 20 percent from a fixed percentage of insurance premiums, the establishment of our province for the development of marine fisheries insurance funds. Extraction of the main insurer in a timely manner after the turn of Finance agricultural insurance account for storage, and the remaining sub-premium.
5. A total of the security should be a quarterly basis to the provincial Finance, Hainan Baojian Ju submitted to the agricultural insurance statistics and financial statements, the establishment of agricultural disaster insurance claims reporting system.
Fourth, financial subsidies
Under the current state of the agricultural insurance premium subsidies, in 2008 the pilot classes in our province is divided into the central and local types of insurance, and apply different standards of the premium subsidy policy.
(A) the premium subsidy standards.
1. Central insurance. Sow insurance can be complicated, including rice and insurance.
(1) in 2008 to sow complex insurance coverage, rates will continue to the Chinese people Property Insurance Company Corporation, the development of standards (premiums 60 yuan / head, the amount of insurance for 1,000 yuan / head) the implementation of our province temporarily Not be adjusted. Their premiums paid by participants from 20 per cent (12 yuan / head), and the remaining 80 percent from the central, provincial and city and county three financial subsidies. The central financial subsidy 50 percent (30 yuan / head); Haikou, Sanya and Yangpu a provincial-level financial subsidies 10 percent (6 yuan / head), the level of financial subsidies 20 percent (12 yuan / head); other provincial cities and counties Level of financial subsidies 20 percent (12 yuan / head), the level of financial subsidies 10 percent (6 yuan / head).
(2) Rice insurance coverage, rates, insurance obligations and the terms of the contract with the Provincial Agriculture Department in consultation insurance agencies, submitted to the provincial agricultural insurance pilot approval of the implementation of the leading group. Their premiums paid by participants from 30 per cent, 70 per cent of the remaining part of the central, provincial and city and county three financial subsidies, of which 35 per cent of the central financial subsidy, the provincial financial subsidies by 25%, cities and counties financial subsidies by 10%.
2. Local insurance. In addition to complex insurance and sow rice insurance other than the pilot classes.
(1) rubber tree hurricane insurance in accordance with the participants the ability to withstand the storm difference differential premium subsidies, of which the participants since the Farm paid 90 percent of the provincial financial subsidies 10 percent of private participants from payment of 70%, the provincial financial Subsidies 30 percent.
(2) Jianjiao insurance, long beans insurance coverage, rates, insurance obligations and the terms of the contract with the Provincial Agriculture Department in consultation insurance agencies, submitted to the provincial agricultural insurance pilot approval of the implementation of the leading group. Their premiums paid by participants from 70 per cent, 30 per cent of the provincial financial subsidies.
(3) banana hurricane insurance, pigs insurance (excluding insurance can be complicated Sow), the total loss of fishing boats insurance premiums paid by participants from 70 per cent, 30 per cent of the provincial financial subsidies.
(4) fishermen at sea personal accident injury insurance and the owner of employers liability insurance premiums from the owner for the self-employed fishermen each pay 80 percent of the provincial financial subsidies 20 percent (20 yuan each), each of the three limited - In, buy more non-meeting.
可能会有一点点错误
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