Agricultural insurance is an effective means to help grain farmers resist the risks of natural disasters and an important measure to ensure national food security. Today, my country has become the country with the largest agricultural insurance scale in the world. The country must continue to support the high-quality development of agricultural insurance in terms of systems, policies, and funds.

　　A sudden and rare heavy rainfall caused serious losses to Henan's agricultural production.

　　Since ancient times, grain farmers have often "relied on the sky for food." Farmers who grow grain cannot resist extreme weather such as floods, droughts, and typhoons. This year, my country has promoted full cost insurance and planting income insurance in major grain producing areas on a large scale. It is expected that insured farmers can completely get rid of the fate of "relying on the weather for food", basically achieving "driving and flooding and ensuring income", stabilizing the income of crops, and better mobilizing farmers to grow crops. Positivity.

　　Agricultural insurance is an effective means to help grain farmers resist the risks of natural disasters and an important measure to ensure national food security. Rice, wheat and corn are the three main staple foods in the Chinese rice bowl. It is necessary to ensure that the grains are basically safe and the rations are absolutely self-sufficient. Since the implementation of the agricultural insurance policy in my country in 2007, the three major staple food insurance products have been continuously enriched. Now the direct materialized cost insurance, agricultural catastrophe insurance, full cost insurance and planting income insurance coexist. "Income" step forward.

　　Direct materialized cost insurance is a low-guarantee, wide-coverage basic agricultural insurance for farmers across the country. It covers the direct materialized costs of seeds, pesticides, fertilizers, irrigation, and agricultural film, and the level of protection accounts for about 40% of the total production costs. Agricultural catastrophe insurance is a kind of transitional agricultural insurance, which is mainly oriented to moderate-scale business entities, covering direct materialized costs and land costs, and the level of protection accounts for 68% of the total cost. After the introduction of full cost insurance and planting income insurance in all major grain-producing counties in 13 major grain-producing regions across the country next year, agricultural disaster insurance will complete its historical mission.

　　Compared with direct materialized cost insurance and agricultural catastrophe insurance, full cost insurance and planting income insurance have the advantages of a high level of protection and are available to all farmers. It can free insured farmers from "seeing the sky and eating" and "seeing the market to eat" and stabilizing the insured farmers. The expectation of the income from growing grain has given farmers a deep sense of growing grain, and they dare to grow land and are willing to grow land. Judging from the current pilot promotion situation, the average per mu indemnity is 95.5% higher than the direct materialized cost insurance and 22.8% higher than the catastrophe insurance. The amount of compensation is approximately 12.2 times the premium paid by the farmers themselves. What needs to be reminded here is that complete cost insurance and planting income insurance guarantee the basic income of growing grain. If farmers want to obtain better income, they must sell the grain well.

　　Undoubtedly, agricultural insurance is a good policy for benefiting farmers. It implements the principle of “who is affected by the disaster, who will provide supplements” to prevent the benefit of farmers’ funds from "eating a big pot of rice", so that the disaster-affected farmers can really benefit. However, according to the author’s research, after years of development, although farmers’ insurance awareness has generally increased, insured farmers have shown a trend of polarization. Small farmers have relatively low willingness to apply for insurance and are more willing to participate in direct materialized cost insurance with lower payment; the new agricultural business entity has a large scale of land operation and faces high production and operation risks, and there is a strong demand for full cost insurance and planting income insurance. This is a realistic problem that our country must face in the process of transforming from traditional agriculture to modern agriculture.

　　Today, my country has become the country with the largest agricultural insurance scale in the world, but there are still problems in the development of agricultural insurance, such as low level of protection, small coverage, backward agricultural infrastructure, and farmers’ awareness of insurance needs to be improved. The state must continue to support the high-quality development of agricultural insurance in terms of systems, policies, and funds, expand the scope of policy implementation, improve the level of agricultural insurance protection, and do good things well, so that more farmers can benefit from it.

　　Underwriting institutions must adhere to the principle of guaranteed capital and low profit, strictly implement various insurance policies, and further improve their ability to serve the grassroots. We will achieve coverage to households, damage assessment to households, and settlement of claims to households, improve the satisfaction and sense of acquisition of insured farmers, and increase farmers' enthusiasm for participating in agricultural insurance.