In the middle of the years of dry and stormy hail, the most worrying of the families who grow corn are those who will never take it. In 2026, a new scheme was introduced in the county, with no direct contribution to the basic insurance, but many people do not know where the insurance certificate is received, how much they can pay, and who they call to report it, and today it is clear。
What kind of money is the zero-contributory insurance
The basic maize and rice insurance, together with soybean insurance, provided full coverage throughout the district in 2026, with farmers not paying a penny of their own, and all premiums were borne by central and provincial finances. This basic insurance covers the direct materialization costs of seeds, fertilizers, pesticides, membranes, etc., which are not high, but the threshold is zero and can be incorporated into the guarantee if planted。
Soybeans insurance is also a zero contribution and covers all soybeans in the county. The county's five major insurance companies are divided by street, each covering the region, farmers are not required to run the town, information collection and contracting are done in the village, and the insurance companies directly target the recipient, saving the middle。
Full cost insurance is only $4 per acre
Full cost insurance has raised the premium by a factor of $950 per acre for maize and $1150 per acre for rice, not only covering the materialization costs, but also land and labour costs. However, farmers pay only a small portion of their contributions, and the full cost of maize and rice insurance costs $4 per acre, peanut insurance $4. 8 per acre, with all remaining financial subsidies。
Households that grow maize can choose between basic and full cost insurance, not on both sides. The size of the plot and the actual amount invested in the year are clearly determined。
We have to report it within 24 hours of the accident
Crops are in danger and farmers are required to inform the village council that the village council must report to the insurer within 24 hours, after which the settlement will be passive. Following the report, the insurers sent surveyors to the site to see the parcels of land in which the individual household had been insured for more than 100 acres, and the operators were required to check the site and draw out the precise plots on the electronic map。
The 2026 programme introduced additional requirements for full survey personnel and equipment, based on uav aerial photography and ai smart loss tools, which are much faster than purely manual. The processing of claims has also been streamlined, the approval process has been shortened, the eligibility mechanism has been made available and the money is not yet available until all material has been processed。
What about the formula and the line? Fine
There is a clear formula for the amount of compensation to be awarded: the unit guarantee is multiplied by the area damaged and the rate of long-term compensation multiplied by the rate of loss. The loss rate is not randomly estimated, and the baseline data is based on the statistical department's publication of the difference between this year's actual production and the average output published by the statistical department in the previous three years。
In some cases, a disaster loss rate of 20 per cent begins, or 30 per cent. The maximum compensation rate for the same crop is different from the rate for the risk of the same crop during the runoff, slurry and maturation periods, with the higher the rate of compensation for the longer the life span and the greater the loss。
Five public, three public, three public, no less than three days
The underwriters are entitled to "five publics, three-to-threes": a policy of preferential farming, insurance coverage, settlement results, service standards, regulatory requirements, all five publics, insurance coverage, loss and loss, and settlement of claims. All information is published on the village government public bar or on the website of the changnan district government for a period of not less than three days, which can be checked by the head of household。
The insurance certificate for the farmer is confirmed at the announcement stage. The insured area, type of insurance, number of insured amounts are correct, and within three days the problem can be changed by the village council or insurance company. The county also has open channels of access to complaints, disputes over settlement or settlement of claims, and territorial town streets are responsible for quick follow-up。
I'm not going to miss my coverage
It is clear that all types of growers who wish to participate in the scheme must complete their contributions during the period of centralization required in each town and miss this window of time, and will not enjoy policy during the current seasonAgricultural insuranceGot it. That's why we have to keep an eye on the village's announcement before planting in spring。
It is strictly forbidden to increase the size of insurance coverage, to create insurance data to draw on financial subsidies, to make false claims, to make false claims, to set aside costs and to identify direct liability. The information is to be completed at the time the farmers are insured, so as not to overstate the area in order to obtain additional subsidies, with more consequences than the lack of insurance。
Did you publish the insurance certificate on your plot this year? If no data is available or not matched, the comment section says which part of the story you are stuck in, saying that it's a good idea to share it with more farmers。
