Design of Meteorological Claim Index for Agricultural Catastrophe Insurance
Meteorological disaster is one of the main disasters that cause agricultural catastrophe.The design of meteorological claim index of agricultural catastrophe insurance can provide technical support for developing agricultural catastrophe insurance.Based on the observation data of national meteorological stations in 3 districts(cities)of Yingtan City from 1991 to 2020 and regional meteorological stations from 2015 to 2020,combined with the characteristics of climate and meteorological disasters in Yingtan City,this paper determined four kinds of meteorological disasters such as rainstorm,drought,gale and low temperature and freezing damage as meteorological disasters for Yingtan agricultural catastrophe insurance through expert consultation and investigation.According to the climatic probability of different disasters and the requirements of insurance units,the meteorological claim index of different grades of agricultural catastrophe insurance in Yingtan City was designed.The results showed that the compensation index of four kinds of meteorological disasters was scientific and transparent in determining whether to settle claims based on objective meteorological data.This system not only streamlined the compensation process by reducing intermediate steps but also enhanced transparency and scientific rigor in the decision-making for claims,thus mitigating the potential for disputes and moral hazards in the disaster assessment.It has been tested that in 2022,Yingtan City has a rare drought in history,and the meteorological claim index of drought disaster insurance based on towns and villages has good applicability.
NETL
NSTL
万方数据
