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農(nóng)機保險為農(nóng)業(yè)“機器換人”保駕護航

2018-12-07 18:08:42 來源：中國農(nóng)機網(wǎng)整理發(fā)布 閱讀量：25048 評論

導讀：隨著農(nóng)業(yè)機械化的迅速發(fā)展，各類農(nóng)機裝備對推進農(nóng)業(yè)發(fā)展發(fā)揮了越來越重要的作用。與此同時，農(nóng)業(yè)機械不僅成為農(nóng)業(yè)生產(chǎn)工具，也成為機手農(nóng)忙季節(jié)增加收入的重要途徑。但是由于農(nóng)機本身構造及設計的特殊性，多數(shù)齒輪、皮帶、刀片裸露在外，使得農(nóng)機在操作過程中產(chǎn)生更多的安全風險因素，近年全國各地有關農(nóng)機事故的報道屢見不鮮，農(nóng)機手的生命和財產(chǎn)受到嚴重威脅,實施農(nóng)機保險政策刻不容緩。當前，部分地區(qū)已制定實施相關農(nóng)機保險政

　　【中國農(nóng)機網(wǎng) 地方農(nóng)機】 隨著農(nóng)業(yè)機械化的迅速發(fā)展，各類農(nóng)機裝備對推進農(nóng)業(yè)發(fā)展發(fā)揮了越來越重要的作用。與此同時，農(nóng)業(yè)機械不僅成為農(nóng)業(yè)生產(chǎn)工具，也成為機手農(nóng)忙季節(jié)增加收入的重要途徑。但是由于農(nóng)機本身構造及設計的特殊性，多數(shù)齒輪、皮帶、刀片裸露在外，使得農(nóng)機在操作過程中產(chǎn)生更多的安全風險因素，近年全國各地有關農(nóng)機事故的報道屢見不鮮，農(nóng)機手的生命和財產(chǎn)受到嚴重威脅,實施農(nóng)機保險政策刻不容緩。當前，部分地區(qū)已制定實施相關農(nóng)機保險政策，為農(nóng)業(yè)生產(chǎn)“機器換人”保駕護航。
 
　　江蘇制定糧食烘干機保險政策 系全國*
 
　　近日，江蘇省農(nóng)業(yè)保險工作領導小組辦公室印發(fā)《江蘇省糧食烘干機保險條款費率(試行)》，出臺專為糧食烘干機量身定制的政策性保險條款，在國內(nèi)*農(nóng)村保險新領域。文件規(guī)定，直接從事農(nóng)業(yè)生產(chǎn)的農(nóng)民和農(nóng)業(yè)生產(chǎn)經(jīng)營組織投保糧食烘干機保險可以享受財政保險費補貼。
 
　　保險條款明確，糧食烘干機保險被保險人覆蓋農(nóng)民、農(nóng)民專業(yè)合作社、家庭農(nóng)場、農(nóng)業(yè)生產(chǎn)企業(yè)等農(nóng)業(yè)生產(chǎn)經(jīng)營主體。保險財產(chǎn)由機械設備、附屬設施、糧食三個部分組成。機械設備包括糧食烘干機本體及熱風爐、燃燒器、風機、提升輸送設備、清選設備等配套設備。附屬設施包括機房、除塵、消防、配電、儲油罐、儲氣罐等設施。糧食是指列明的生產(chǎn)經(jīng)營場所內(nèi)的糧食。保險責任包括由意外事故、自然災害、操作不當?shù)仍蛟斐傻臋C械損壞、烘干場所財產(chǎn)損失以及操作人員和第三者的人身傷亡。
 
　　保險費率規(guī)定，糧食烘干機保險采取定額保險的方式確定保險金額和保險費。單臺套批處理量20噸以下(含)的批式循環(huán)糧食烘干機財產(chǎn)保險限額12萬元，責任保險每次每人賠償限額20萬元，年保險費600元。單臺套批處理量20噸以上50噸以下(含)的批式循環(huán)糧食烘干機財產(chǎn)保險限額18萬元，責任保險每次每人賠償限額20萬元，年保險費700元。
 
　　浙江東陽市出臺農(nóng)機保險補貼政策
 
　　為強化農(nóng)業(yè)支持保護，降低農(nóng)業(yè)生產(chǎn)經(jīng)營組織及個人風險，保障農(nóng)民利益，促進現(xiàn)代農(nóng)業(yè)建設，近日，浙江省金華市東陽市出臺《東陽市農(nóng)業(yè)機械綜合保險保費補貼政策實施方案(試行)》。
 
　　方案規(guī)定，從事農(nóng)業(yè)生產(chǎn)的經(jīng)營組織及個人可以為在用的純農(nóng)田作業(yè)拖拉機、履帶自走式耕作機、聯(lián)合收割機、水稻插秧機、自走式噴桿噴霧機、稻麥烘干機等農(nóng)業(yè)機械(純農(nóng)田作業(yè)拖拉機和聯(lián)合收割機駕駛人必須持有效駕駛證)購買農(nóng)機損失險、駕駛操作和隨機輔助作業(yè)人員意外傷害險、第三責任險和附加機損自燃險等險種，投保用戶需攜帶有效行駛證或當年免費實地檢驗記錄表前往保險公司投保，保險費用由市財政補貼80%，其余20%由農(nóng)戶自行承擔。
 
　　杭州余杭政策性農(nóng)機綜合險推進農(nóng)業(yè)“機器換人”
 
　　為順利推進農(nóng)業(yè)“機器換人”步伐，提高農(nóng)機裝備及駕駛操作人員抗風險能力，自2017年開始，浙江省杭州市余杭區(qū)將農(nóng)機綜合保險作為地方特色創(chuàng)新試點險種納入政策性農(nóng)業(yè)保險范圍，出臺《余杭區(qū)農(nóng)業(yè)機械綜合保險服務試點工作實施細則》。
 
　　細則指出，余杭區(qū)范圍內(nèi)從事農(nóng)業(yè)生產(chǎn)的經(jīng)營組織和個人的參加安全技術撿驗合格的純農(nóng)田作業(yè)拖拉機、烘干機農(nóng)機等，在市財政補貼40%基礎上，區(qū)財政配套補助30%。該政策出臺后，余杭區(qū)農(nóng)機總站加強宣傳，深入到田間地頭、農(nóng)戶、農(nóng)機合作社宣傳政策，同時積極與保險公司做好對接、信息互通等工作。
 
　　通過宣傳、引導、服務對接等工作，目前農(nóng)機綜合險逐步為農(nóng)戶接受。2018年投保機具在2017年65臺的基礎上增加至92臺，總保費78810元，各級財政補助54987元。
 
　　本文由中國農(nóng)機網(wǎng)整理發(fā)布，資料來源：余杭農(nóng)業(yè)機械監(jiān)督管理總站、中國農(nóng)業(yè)機械化信息網(wǎng)信息中心、農(nóng)民日報，如有侵權或異議請聯(lián)系我們。

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