農(nóng)機(jī)保險為農(nóng)業(yè)“機(jī)器換人”保駕護(hù)航

2018-12-07 18:08:42 來源：中國農(nóng)機(jī)網(wǎng)整理發(fā)布 閱讀量：25111 評論

　　【中國農(nóng)機(jī)網(wǎng) 地方農(nóng)機(jī)】 隨著農(nóng)業(yè)機(jī)械化的迅速發(fā)展，各類農(nóng)機(jī)裝備對推進(jìn)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(jī)械不僅成為農(nóng)業(yè)生產(chǎn)工具，也成為機(jī)手農(nóng)忙季節(jié)增加收入的重要途徑。但是由于農(nóng)機(jī)本身構(gòu)造及設(shè)計(jì)的特殊性，多數(shù)齒輪、皮帶、刀片裸露在外，使得農(nóng)機(jī)在操作過程中產(chǎn)生更多的安全風(fēng)險因素，近年全國各地有關(guān)農(nóng)機(jī)事故的報(bào)道屢見不鮮，農(nóng)機(jī)手的生命和財(cái)產(chǎn)受到嚴(yán)重威脅,實(shí)施農(nóng)機(jī)保險政策刻不容緩。當(dāng)前，部分地區(qū)已制定實(shí)施相關(guān)農(nóng)機(jī)保險政策，為農(nóng)業(yè)生產(chǎn)“機(jī)器換人”保駕護(hù)航。
 
　　江蘇制定糧食烘干機(jī)保險政策 系全國*
 
　　近日，江蘇省農(nóng)業(yè)保險工作領(lǐng)導(dǎo)小組辦公室印發(fā)《江蘇省糧食烘干機(jī)保險條款費(fèi)率(試行)》，出臺專為糧食烘干機(jī)量身定制的政策性保險條款，在國內(nèi)*農(nóng)村保險新領(lǐng)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(jī)保險可以享受財(cái)政保險費(fèi)補(bǔ)貼。
 
　　保險條款明確，糧食烘干機(jī)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(cái)產(chǎn)由機(jī)械設(shè)備、附屬設(shè)施、糧食三個部分組成。機(jī)械設(shè)備包括糧食烘干機(jī)本體及熱風(fēng)爐、燃燒器、風(fēng)機(jī)、提升輸送設(shè)備、清選設(shè)備等配套設(shè)備。附屬設(shè)施包括機(jī)房、除塵、消防、配電、儲油罐、儲氣罐等設(shè)施。糧食是指列明的生產(chǎn)經(jīng)營場所內(nèi)的糧食。保險責(zé)任包括由意外事故、自然災(zāi)害、操作不當(dāng)?shù)仍蛟斐傻臋C(jī)械損壞、烘干場所財(cái)產(chǎn)損失以及操作人員和第三者的人身傷亡。
 
　　保險費(fèi)率規(guī)定，糧食烘干機(jī)保險采取定額保險的方式確定保險金額和保險費(fèi)。單臺套批處理量20噸以下(含)的批式循環(huán)糧食烘干機(jī)財(cái)產(chǎn)保險限額12萬元，責(zé)任保險每次每人賠償限額20萬元，年保險費(fèi)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(jī)財(cái)產(chǎn)保險限額18萬元，責(zé)任保險每次每人賠償限額20萬元，年保險費(fèi)700元。
 
　　浙江東陽市出臺農(nóng)機(jī)保險補(bǔ)貼政策
 
　　為強(qiáng)化農(nóng)業(yè)支持保護(hù)，降低農(nóng)業(yè)生產(chǎn)經(jīng)營組織及個人風(fēng)險，保障農(nóng)民利益，促進(jìn)現(xiàn)代農(nóng)業(yè)建設(shè)，近日，浙江省金華市東陽市出臺《東陽市農(nóng)業(yè)機(jī)械綜合保險保費(fèi)補(bǔ)貼政策實(shí)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(jī)、履帶自走式耕作機(jī)、聯(lián)合收割機(jī)、水稻插秧機(jī)、自走式噴桿噴霧機(jī)、稻麥烘干機(jī)等農(nóng)業(yè)機(jī)械(純農(nóng)田作業(yè)拖拉機(jī)和聯(lián)合收割機(jī)駕駛?cè)吮仨毘钟行я{駛證)購買農(nóng)機(jī)損失險、駕駛操作和隨機(jī)輔助作業(yè)人員意外傷害險、第三責(zé)任險和附加機(jī)損自燃險等險種，投保用戶需攜帶有效行駛證或當(dāng)年免費(fèi)實(shí)地檢驗(yàn)記錄表前往保險公司投保，保險費(fèi)用由市財(cái)政補(bǔ)貼80%，其余20%由農(nóng)戶自行承擔(dān)。
 
　　杭州余杭政策性農(nóng)機(jī)綜合險推進(jìn)農(nóng)業(yè)“機(jī)器換人”
 
　　為順利推進(jìn)農(nóng)業(yè)“機(jī)器換人”步伐，提高農(nóng)機(jī)裝備及駕駛操作人員抗風(fēng)險能力，自2017年開始，浙江省杭州市余杭區(qū)將農(nóng)機(jī)綜合保險作為地方特色創(chuàng)新試點(diǎn)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(jī)械綜合保險服務(wù)試點(diǎn)工作實(shí)施細(xì)則》。
 
　　細(xì)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(shù)撿驗(yàn)合格的純農(nóng)田作業(yè)拖拉機(jī)、烘干機(jī)農(nóng)機(jī)等，在市財(cái)政補(bǔ)貼40%基礎(chǔ)上，區(qū)財(cái)政配套補(bǔ)助30%。該政策出臺后，余杭區(qū)農(nóng)機(jī)總站加強(qiáng)宣傳，深入到田間地頭、農(nóng)戶、農(nóng)機(jī)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(dǎo)、服務(wù)對接等工作，目前農(nóng)機(jī)綜合險逐步為農(nóng)戶接受。2018年投保機(jī)具在2017年65臺的基礎(chǔ)上增加至92臺，總保費(fèi)78810元，各級財(cái)政補(bǔ)助54987元。
 
　　本文由中國農(nóng)機(jī)網(wǎng)整理發(fā)布，資料來源：余杭農(nóng)業(yè)機(jī)械監(jiān)督管理總站、中國農(nóng)業(yè)機(jī)械化信息網(wǎng)信息中心、農(nóng)民日報(bào)，如有侵權(quán)或異議請聯(lián)系我們。

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