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Now, not only has policy insurance been improved, but also commercial insurance has been added. The premium is only 9.6 yuan per mu, and the insurance amount is as high as 800 yuan, which greatly enhances the anti-risk ability of our large grain farmers. "Double insurance allowed Hu Linfei to eat a reassurance." 
Since the central government launched the pilot subsidy subsidy in 2007, agricultural insurance has achieved leap-forward development and its scale has expanded rapidly. At present, the financial subsidies for agricultural insurance at all levels have reached 80%. However, at present, policy agricultural insurance still has the defects of low guarantee amount, weak risk dispersion ability and poor anti-risk ability.
Anhui: Agricultural double insurance gives farmers a reassurance
[China Agricultural Machinery Industry News] Hu Linfei, a large grain grower in Yansi Town, Huizhou District, Huangshan City, Anhui Province, has agricultural insurance for 1,150 mu of rice planted this year. "This year's rice premiums were paid 11,000 yuan and the insurance amount was 920,000 yuan. I don't have to worry about natural disasters or man-made disasters. In the past, an acre of rice suffered from serious disasters, and only more than 330 yuan was paid. This amount is for ordinary farmers. It is also acceptable, but the high cost of large households is not enough to pay for land transfer costs, and it does not provide much protection.
Anhui: Agricultural double insurance gives farmers a reassurance
In order to further improve the risk protection level of the new agricultural business entities, the Anhui Provincial Agriculture Commission and the Department of Finance issued the “Guiding Opinions on Supporting the Development of Commercial Agricultural Insurance†and the “Anhui Provincial Agriculture Committee of Anhui Province†on the supplement of food crops. Notice of Commercial Insurance Work, starting with the 2016 summer crop to start commercial supplementation of food crops.
The new model of “policy-based agricultural insurance supplementary commercial insurance†launched by Anhui has changed from a single-core drive model that relies mainly on government promotion and financial subsidies to a multi-core drive model of product innovation, service innovation and farmers' awareness of insured. The government and the insurance industry have coordinated and dual efforts, and the enthusiasm of farmers to participate in insurance has been improved. The stability and shock absorption of insurance have also been brought into full play.
It is reported that Huizhou District of Huangshan City has comprehensively carried out a new model of rice “policy-related agricultural insurance supplementary commercial insurance†and created an upgraded version of agricultural insurance. For large grain growers with rice planting area of ​​more than 100 mu in the whole district, they are encouraged to actively purchase supplementary commercial insurance for rice on the basis of the original policy agricultural insurance. The supplementary commercial insurance amount is 394 yuan/mu, the insurance premium rate is 4%, the premium is subsidized by the government 70%, and the large grain farmers pay 30%. Hu Linfei is the beneficiary of this new model.
According to the relevant person in charge of the Bengbu City Agricultural Insurance Office, the supplementary commercial insurance for food crops has been sought after by large grain growers. At present, èšŒåŸ has insured 320,000 mu of supplementary commercial insurance for wheat, benefiting 333 large wheat grain farmers, accounting for 84% of the large qualified grain farmers. Supplementary commercial insurance provides a total of 74.6 million yuan of risk protection for wheat production this summer, with an average household income of 224,000 yuan.
At present, China's agricultural insurance has entered a new normal of development, and natural disasters and pests still cause many unpredictable and uncontrollable risks to agriculture, and farmers' own ability to resist risks is weak. Agricultural insurance is constantly being given and loaded with new functions, from basic economic compensation to disaster prevention and mitigation, social management, poverty alleviation and development, guarantee credit enhancement and auxiliary market regulation and other comprehensive functions, agricultural insurance and other industries are increasingly connected and integrated. The role of 'stabilizers' 'shock absorbers' and 'boosters' is increasingly being demonstrated. â€
(Original title: "Double Insurance" to create an upgraded version of agriculture)