Crop planting insurance method
A technology for crops and insurance companies, applied in the fields of botanical equipment and methods, horticultural methods, horticulture, etc., can solve the problems of increasing the risk of unreasonable claims settlement, consuming resources (manpower, inefficiency, etc.), avoiding manual intervention and moral hazard, Improve claims efficiency and reduce operating costs
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[0028] A kind of crop planting insurance method, it comprises the steps:
[0029] 1) Determine crops, risk factors, market prices of crops, and average yield of crops; said risk factors are one or more of temperature, precipitation, consecutive days without precipitation, wind speed, snowfall, light, and price. For example, farmer A wants to protect the low temperature risk of his cabbage, then the insured crop is cabbage, and the risk factor is temperature. If farmer B wants to protect the price risk of his soybeans, then the insured crop is soybeans, and the risk factor is price.
[0030] 2) According to crop varieties, planting techniques, and crop cultivation professional or market-recognized research results, find the critical risk factor value that causes irreversible damage to crop growth to determine the risk factor threshold that triggers crop loss, or the producer’s sales revenue will not be able to The price of the agricultural product at the time of making up the ...
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