The picture shows Siziwang Banner Company of China United Property Insurance Company. Zhang Wei photo
Nearly 20,000 mu of dry land in Siziwang Banner, Inner Mongolia, lost its income and invested nearly 4 million yuan in agricultural insurance, only 640,000 yuan was compensated.
Ulan Chabu, Sino-Singapore. com, April 13. According to the amount of insurance we insured, we should get 3.86 million yuan in compensation, but now the insurance company has only 640,000 yuan in compensation. On the 13th, Sun Caibing told CNN reporters.
Sun Caibing is a villager in Liuhetang administrative village of Xiuziwang Banner, Wulanchabu City, Inner Mongolia Autonomous Region. In 2018, Sun Caibing planted 530 mu of wheat and 332.5 mu of rapeseed. He bought crop planting insurance in order to provide more security. Unexpectedly, the local drought, he planted wheat and rapeseed all suffered a crop failure.
The figure shows the details of compensation. Zhang Wei photo
Situated in the central part of Inner Mongolia Autonomous Region and northwest of Ulanchabu City, Siziwang Banner has an average annual precipitation of 110-350 mm, belonging to temperate and semi-arid areas. On April 30, 2018, Sun Caibing and the Siziwang Banner Trillion Grain Agricultural Planting Specialized Cooperative (hereinafter referred to as the Cooperative) where seven other growers are located purchased a rape planting insurance with an insurance coverage of 194,3600 yuan in China United Property Insurance Co., Ltd., covering an area of 9718 mu, and bought a wheat planting insurance with an insurance coverage of 191,7200 yuan, covering an area of 9686 mu.
Agricultural insurance is a common practice in market economy countries to support agricultural development. In China, agricultural insurance is an important part of solving the problems of agriculture, countryside and farmers.
When we bought insurance last year, we caught up with the good policy of national agricultural insurance. The governments at all levels gave us 80% subsidies in order to stabilize farmersincome. Sun Caibing sighed and said, Thats good. Payment for compensation is not enough for us to buy rice seedlings.
In Sun Caibings insurance notice, the reporter saw that during the insurance period, due to natural disasters, accidents and pests and rodents caused direct material damage or loss of insurance crops, and drought, high temperature, frozen disaster, pests and rodents, mudslides and other losses of more than 30%, the insurer fulfilled its liability in accordance with the provisions.
Another local policyholder, Li Yuliang, told reporters: On April 30, 2018, we paid insurance premium to Siziwang Banner Company of China United Property Insurance Company. At that time, the clause on the insurance policy stipulated that dryland wheat and rapeseed were 200 yuan per mu.
However, in July 2018, there was no effective rainfall throughout the month, and the crops planted by villagers were greatly affected.
At the beginning of August last year, the staff of the insurance company came to investigate the drought situation in the fields and determined that it was no harvest. On August 6, a notice of compensation was posted at the gate of the village committee. The content of the announcement was to pay according to 200 yuan per mu. Li Yuliang took pictures of the announcements posted at that time on his mobile phone and provided them to reporters.
Reporters noted that the date of the announcement was April 28, 2018, but the crops had just been sown.
They may have printed it well in advance, and then at the door of the village committee, it was `pasted upand torn up, but you can also see it. Sun Caibing said.
In November, the insurance company asked us to sign for compensation payment. We found that the amount of compensation became 38 yuan per mu for wheat and 28 yuan per mu for rapeseed, which is less than 20% of our units insurance amount. Another policyholder, Wang Yi, said.
When asked by reporters whether the insurance company had explained the sudden change in compensation payments, Sun Caibing said that they said it was compensation payments and could only win so much.
In this regard, the reporter came to Siziwang Banner Company of China United Property Insurance Company to learn about the situation. Zhang Chen, manager of the companys agricultural insurance department, said he would not accept the interview when he learned of the reporters intention.
Subsequently, the reporter came to the Propaganda Department of Siziwang Banner to communicate. The Propaganda Department said that they were contacting the head of the insurance company, but by the time the reporter issued the report, no response had been received.