Agricultural insurance premiums to reverse the situation to shrink year by year increase of 411.4 percent year-on-year

From the department the authority to the latest statistics, January to July this year, the National Agricultural Insurance signing premium 6,450,000,000 yuan, up 411.4 percent over the year 2007 in terms of premium income. Agricultural Insurance changed its position, to enter the fast track of development.

All along, the state attaches great importance to the agricultural insurance, for five consecutive years, the central one of three agricultural insurance documents are the work of deployment, in 2006 the State Council on the 23rd text also made clear the development of three agricultural insurance requirements. In 2007, agricultural insurance premium income of 51.8 billion yuan, 13 times in 2004. 49,820,000 insured farmers, agricultural production has provided security risk 112,600,000,000 yuan.

Not because of the establishment of a mechanism to spread the risks of catastrophe and the lack of state tax policies to support a variety of factors, and so on, plus the risk of large, high operating costs, China's agricultural insurance business sustained losses. From 1985 to 2004, only two low-profit, a loss of 18 years.

In order to reverse the downturn, the China Insurance Regulatory Commission will be included in the three agricultural insurance development of the insurance industry's focus areas. With yesterday's Xinhua Life Insurance, and the declaration of a small rural insurance market, at present, including China Life Insurance (601,628, it shares), the China People's Insurance, Taikang insurance, and the Pacific (601,099, it shares), such as life has been formed into a strong market services in rural areas The strength of the insurance. China People's Insurance, China Life Insurance (601,628, it shares), several large insurance companies also developed a strategic plan the development of rural insurance.

In the three agricultural insurance at the same time the increase in the number of insurance services in the area has been broadened. Related to authoritative sources said that at present, the markets of agricultural insurance amounted to more than 160 insurance, covering the farming and aquaculture in various fields. Agricultural products (000,061, it shares) and the prices of agricultural products (000,061, it shares) which is also the quality of insurance.

It is reported that a number of local enterprises by adopting, breeding or large agricultural cooperative organizations of farmers led unity insurance approach to policy-oriented agricultural insurance and rural areas to apply for small loans, mortgages and so on the right-lam, trying to resolve the loan farmers and rural credit cooperatives Both the risk of security problems.

Beijing citizens from health insurance to pilot

Nov. 2, Chinese citizens from health insurance pilot demonstration projects to implement the official release. This means that in the future of insurance consumers when they travel abroad to seek medical treatment, can be as convenient as at home.

Reporters learned that the pilot will be the first in Beijing and the region conditional on a trial basis for a period of three years, after the pilot phase of the project will be by open tender to choose the underwriting of insurance companies.

Lack of insurance rates

PICC Casualty Insurance Department staff, told reporters in Japan and other places, from health insurance coverage rate of 90% or even higher, but in mainland China, from health insurance coverage rate is very low. This is due to insurance companies for medical insurance from the market's concern is not high, the need to strengthen gradually, on the other hand, as well as consumer awareness of insurance is not high.

And exit the medical insurance market has done tepid compared to the number of outbound Chinese citizens in recent years rapidly increased year by year, very strong demand for insurance.

It is understood that in 2007, the citizens of our country has exceeded the number of 40,000,000 passengers, is expected by 2020, Chinese citizens each year travel to the number of over 100,000,000 people. At the same time, Chinese citizens abroad in the occurrence of medical emergencies and increase in 2007 alone, China's foreign institutions to deal with all types of medical emergencies and more than 33,000, involving hundreds of thousands of people.

In all types of events, most prominent medical problems, language barriers and cultural differences led to the exit of citizens of the great spirit of the burden. "Before we leave the country, the greatest fear is sick. So we have to take prior to the departure of a drug box placed inside a wide variety of drugs. Now, with the departure of medical insurance, visitors will be very helpful . "Boao Forum for Asia Long Yongtu, Secretary-General told reporters.

In addition, due to the lack of appropriate medical insurance, expensive medical treatment abroad, the cost to them is also causing enormous financial burden.

It is understood that in Europe and the United States and other countries, the average cost of medical aid per person per day up to 1500 U.S. dollars to 3500 U.S. dollars. Seen from the experiences to the commercialization of the insurance settlement of the departure of medical personnel has become a common practice.

Not yet scale

Prior to this, China Life, Ping An of China, the Pacific insurance, insurance companies have opened more than Chinese citizens from medical insurance and accident insurance is becoming an important business, but not in the market scale.

This time, Chinese citizens from health insurance pilot demonstration project, the Government is to address citizens outside the country for medical treatment and the implementation of the problem. The pilot phase of the People's Insurance will cover as the Insurance Company. Casualty Department of its product development, Assistant Director of Oasis said that PICC P %26amp; C has developed projects for the exclusive insurance products, can provide the same compensation for medical expenses, emergency medical evacuation and repatriation, the return of remains of the deceased, travel and property Compensation for loss of personal liability insurance coverage, such as 13. For a single journey from the Chinese citizens with a minimum 1 day up to 1 year of protection; frequently to and from home and abroad for Chinese citizens to provide insurance in the period limited to the number of travel, not more than 90 days each year the number of security.

And outside the medical insurance products, premiums are also a number of concessions.

This reporter has learned that in Europe and the United States and other countries, short-term insurance 50,000 U.S. dollars or euros travel insurance, to pay 400-600 U.S. dollars or euros; in the domestic insurance, travel several times throughout the year (up to 90 days each), A 1396 yuan for the premium file, available on the accident and the death of the insured amount should be 300,000 disability, medical compensation, as well as 500,000 lost luggage and belongings, financial losses and other related security.

Despite the departure of the project for the citizens of a pilot demonstration project of medical insurance, but does not require citizens from compulsory purchase. At present, the purchase of insurance policies through insurance companies cover door-to-door, self-service on-line services such as insurance brokers and 3 kinds of ways. Next, PICC Property Insurance may also be adopted in cooperation with travel agencies and other channels to increase insurance rates.