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给小麦买了农业保险?但并不是所有的灾害都能要到索赔!

灏忛害鏄垜浠渶甯歌鐨勫ぇ鐢扮妞嶄綔鐗╋紝寰堝浜轰細瑙夊緱杩欑澶х敯浣滅墿鐩堝埄涓嶉珮锛屾病浠€涔堝繀瑕佽繘琛屼繚闄╂姇璧勶紝浣嗘槸椋庨櫓鍗存槸鏃犲涓嶅湪鐨勶紝濡傛灉鍐滄埛澶勫湪涓€涓緢瀹规槗鍙戠敓鑷劧椋庨櫓鐨勫湴鍖猴紝閭d箞璐拱鍐滀笟淇濋櫓杩樻槸涓€涓湁淇濋殰鐨勪妇鎺紝鑰屽湪鍋氶€夋嫨涔嬪墠锛屽杩欎簺鐭ヨ瘑涓€瀹氳鏈夋墍浜嗚В銆?/p>

锛堜竴锛夊皬楹︾墿鍖栨垚鏈繚闄╁绉嶆鐨勫皬楹︽湁浠€涔堣姹?

鏌愬湴鏌愪繚闄╁叕鍙哥殑鏉℃瑙勫畾锛屽嚒灏忛害绉嶆鐨勬墍鏈夎€呫€佺鐞嗚€呭潎鍙綔涓烘姇淇濅汉锛屽皢绗﹀悎涓嬪垪鏉′欢鐨勭妞嶅皬楹?涓嶅寘鍚妞嶅湪鎴垮墠灞嬪悗鐨勯浂鏄熷湡鍦颁笂鐨?鍚戜繚闄╁叕鍙告姇淇濓細

(1)灏忛害绉嶆绗﹀悎褰撳湴鏅亶閲囩敤鐨勬妧鏈拰瑙勮寖瑕佹眰;

(2)灏忛害绉嶆瀵嗗害杈惧埌褰撳湴鏀垮簻閮ㄩ棬瑙勫畾鐨勬爣鍑?

(3)鎾鐨勫皬楹﹀搧绉嶅簲涓烘斂搴滈儴闂ㄥ瀹氬彂甯冨拰鎺ㄥ箍鐨勫搧绉?

(4)绉嶆鍦烘墍鍦ㄥ綋鍦版椽姘存按浣嶇嚎浠ヤ笂鐨勯潪钃勬椽銆佽娲尯;

(5)鎶曚繚鏃剁敓闀挎甯搞€?/p>

锛堜簩锛夊皬楹︾墿鍖栨垚鏈繚闄╀繚浜涗粈涔堥闄╄矗浠?

灏忛害淇濋櫓涓紝淇濋櫓浜烘壙鎷呯殑璧斿伩璐d换鏈変笅鍒楃伨瀹抽€犳垚鐨勫皬楹︾墿鍖栨垚鏈崯澶憋細

锛?锛夋棭鐏俱€佹椽鐏俱€佹稘鐏俱€侀鐏俱€佸喕鐏俱€佺伀鐏俱€侀浌鐏?

锛?锛夊皬楹﹀彂鐢熺伀鐏炬椂锛屼负鎶㈡晳淇濋櫓鏍囩殑銆佸噺灏戞崯澶辫€岃繘琛屼簡鏂芥晳鎵€鏀粯鐨勫悎鐞嗚垂鐢ㄣ€?/p>

锛堜笁锛夊皬楹︾墿鍖栨垚鏈繚闄╁鍝簺鐏惧鎹熷け涓嶄繚?

涓嬪垪鍘熷洜閫犳垚灏忛害鐨勬崯澶憋紝淇濋櫓鍏徃涓嶈礋璐h禂鍋匡細

锛?锛夋姇淇濅汉鍙婂叾瀹跺涵鎴愬憳琚繚闄╀汉鍙婂叾瀹跺涵鎴愬憳鐨勬晠鎰忔垨閲嶅ぇ杩囧け琛屼负锛?/p>

锛?锛変粬浜虹殑鎭舵剰鐮村潖琛屼负锛?/p>

锛?锛夌敱浜庡搧绉嶇郴闈炴湰鍦板瀹氭帹骞裤€佹挱绉嶅瘑搴﹁繃澶с€佺鐞嗕笉绉戝瀵艰嚧鐨勫眬閮ㄥ€掍紡锛?/p>

锛?锛夊彂鐢熶繚闄╀簨鏁呭悗琚繚闄╀汉鏀惧純绠$悊鎴栨晠鎰忔墿澶ф崯澶辫涓猴紱

锛?锛夊叾浠栦笉灞炰簬淇濋櫓璐d换鑼冨洿鍐呯殑涓€鍒囨崯澶便€佽垂鐢ㄥ拰璐d换銆?/p>

锛堝洓锛夊皬楹︾墿鍖栨垚鏈繚闄╃殑淇濋櫓鏈熼檺鏄灏?

灏忛害淇濋櫓鐨勬湡闄愪粠淇濋櫓灏忛害鍑鸿嫍鍚庡紑濮嬶紝鑷充繚闄╁皬楹︽垚鐔熸敹鍓插畬姣曟椂姝紝鍏蜂綋璧锋鏃ユ湡浠ヤ繚闄╁悎鍚岃浇鏄庝负鍑嗐€?/p>

锛堜簲锛夊皬楹︾墿鍖栨垚鏈繚闄╃殑淇濋櫓閲戦鍜屼繚璐规槸澶氬皯?

灏忛害淇濋櫓閲戦鐨勭‘瀹氫緷鎹湁涓ょ锛氬線骞?3~5骞?骞冲潎浜ч噺鐨勫畾姣斾緥銆佹姇浜虹墿鍖栨垚鏈殑涓€瀹氭瘮渚嬨€傛煇鍏徃鐨勫皬楹︾墿鍖栨垚鏈繚闄╂潯娆句腑鏄寜鐓ц淇濋櫓浜烘墍鍦ㄥ幙(甯?鍓?~5骞村钩鍧囦憨浜ч噺鐨?0% ~ 60%(鍚?纭畾鐨勩€備繚闄╀环鏍兼槸鎸夌収涓婂勾搴﹀浗瀹舵渶浣庡皬楹︿繚鎶や环鏍兼潵纭畾鐨勩€?/p>

姣忎憨淇濋櫓閲戦=淇濋櫓浠锋牸x姣忎憨淇濋櫓浜ч噺

淇濊垂=姣忎憨淇濋櫓閲戦x璐圭巼x淇濋櫓闈㈢Н

锛堝叚锛夊皬楹︾墿鍖栨垚鏈繚闄╂槸鎬庝箞璁$畻璧斿伩鐨?

锛?锛夊叏閮ㄦ崯澶辩殑纭畾鍙婅禂鍋裤€傛牴鎹皬楹︾墿鍖栨垚鏈繚闄╂潯娆撅紝淇濋櫓灏忛害鍙戠敓涓嬪垪鍚堝悓绾﹀畾鐨勭伨瀹抽€犳垚70%浠ヤ笂鎹熷け鏃惰涓哄叏閮ㄦ崯澶憋細鈶犲皬楹︽敹鑾锋湡涔嬪墠锛?0%(鍚?浠ヤ笂鐨勫皬楹︽鏍€掓姌锛涗繚闄╁皬楹︽崯澶变弗閲嶏紝鑷翠娇鍘跨骇(鍚幙)浠ヤ笂鏀垮簻閮ㄩ棬鍐冲畾鏀圭鍏朵粬浣滅墿锛涒憽鏀惰幏鏈?瀹為檯浜ч噺涓嶈冻姝e父浜ч噺鐨?0%(鍚?銆傝繖閲岋紝姝e父浜ч噺鍗虫墍鍦ㄥ幙(甯?鍓?~5骞寸殑骞冲潎浜╀骇閲忋€?/p>

鍙﹀锛屽綋淇濋櫓灏忛害闈㈢Н楂樹簬瀹為檯鎾闈㈢Н鏃讹紝鎸夊疄闄呮挱绉嶉潰绉绠楄禂鍋块噾棰濄€傞渶瑕佽鏄庣殑鏄紝褰撲繚闄╁皬楹︾粷浜х粡涓€娆℃€ц禂浠樺悗 锛屼繚闄╄矗浠诲嵆琛岀粓姝€?/p>

锛?锛夐儴鍒嗘崯澶辩殑纭畾鍙婅禂鍋裤€傛牴鎹皬楹︿繚闄╂潯娆撅紝淇濋櫓灏忛害閬彈绾﹀畾鐏惧鎹熷け锛屽嚒鏈揪鍒板叏閮ㄦ崯澶辨爣鍑嗘椂涓洪儴鍒嗘崯澶憋紝閮ㄥ垎鎹熷け鎸変繚闄╀骇閲忎笌瀹為檯浜ч噺鐨勫樊棰濆拰淇濋櫓浠锋牸璁$畻璧旀閲戦銆傚疄闄呬骇閲忔牴鎹斂搴滄湁鍏抽儴闂ㄦ祴瀹氱殑缁撴灉纭畾锛涘疄闄呬骇閲忚揪鍒版垨瓒呰繃淇濋櫓浜ч噺鏃讹紝涓嶅彂鐢熻禂娆俱€傚皬楹︿繚闄╅潰绉瓑浜庢垨楂樹簬瀹為檯鎾闈㈢Н鏃讹紝鎸夊疄闄呮挱绉嶉潰绉绠楄禂娆鹃噾棰濄€?/p>

淇濋櫓闈㈢Н绛変簬瀹為檯闈㈢Н鏃讹細璧旀閲戦=淇濋櫓浠锋牸x(淇濋櫓鎬讳骇閲?瀹為檯鎬讳骇閲?

淇濋櫓闈㈢Н澶т簬瀹為檯闈㈢Н鏃?璧旀閲戦=淇濋櫓浠锋牸x(瀹為檯闈㈢Н鐨勪繚闄╂€讳骇閲忎竴瀹為檯闈㈢Н鐨勫疄闄呮€讳骇閲?

灏忛害淇濋櫓闈㈢Н浣庝簬瀹為檯鎾闈㈢Н鏃?璧旀閲戦=淇濋櫓浠锋牸x(淇濋櫓鎬讳骇閲忎竴瀹為檯鎬讳骇閲? x淇濋櫓闈㈢Н+瀹為檯闈㈢Н

濡傛灉鏃犳硶鍖哄垎鏈繚闄╅潰绉儴鍒嗭紝鎸変繚闄╅潰绉笌瀹為檯鎾闈㈢Н鐨勬瘮渚嬭绠楄禂鍋块噾棰濄€?/p>

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