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买了农业保险, 灾后怎么理赔?

  • 2026-06-08 04:39:10
买了农业保险, 灾后怎么理赔?

5月17日至18日

我市遭遇历史罕见特大暴雨

买了农业保险受灾后赔不赔？

怎么赔？赔多少？

荆州市保险行业协会为您指南如下

↓↓↓

一、买了农业保险赔不赔？

只要买了相关农业保险，因水淹、水泡造成损失的，保险公司可以理赔；未买农业保险，不赔。

二、理赔流程有几步？

①向保险公司报案

②保险公司现场查勘定损

③保险公司核实损失

④公示定损方案及理赔明细

⑤保险公司支付赔款

三、理赔过程中是否需要支付代办费之类？

理赔全程免费办理，不需要支付任何手续费、代办费。

四、理赔要哪些基本资料？

提前准备好被保险人身份证、银行卡、开户行信息、法人机构还需准备营业执照。

五、农业保险赔付哪些？

成本损失、收入损失。

六、农业保险赔多少？

种植业：赔付金额=每亩保额×生长期赔付比例×损失率×损失面积。

养殖业：根据投保险种的保单条款，结合损失程度、生长期、保额及免赔率等综合计算。

七、理赔过程中的注意事项

不能虚报灾情、伪造损失、骗取保险赔款，违者将依法追究责任。

八、如果遇到拒赔、拖赔、惜赔等情况怎么办？

如遇上述情况，保留相关证据，及时向12345热线投诉。

荆州市保险行业协会将督促各保险公司应赔尽赔、应赔快赔。

End

来  源：荆州发布综合

编  辑：黄乾鹏

责  编：唐   勤

投稿邮箱: 1334873959@qq.com

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  136. /yingpanguazai/ssd/ssd1/www/h.mffb.com.cn/vendor/topthink/think-template/src/Template.php ( 46.61 KB )
  137. /yingpanguazai/ssd/ssd1/www/h.mffb.com.cn/vendor/topthink/think-template/src/template/driver/File.php ( 2.41 KB )
  138. /yingpanguazai/ssd/ssd1/www/h.mffb.com.cn/vendor/topthink/think-template/src/template/contract/DriverInterface.php ( 0.86 KB )
  139. /yingpanguazai/ssd/ssd1/www/h.mffb.com.cn/runtime/temp/32b793ebdcbdb96aeb8bb24c123b0bef.php ( 11.98 KB )
  140. /yingpanguazai/ssd/ssd1/www/h.mffb.com.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000611s ] mysql:host=127.0.0.1;port=3306;dbname=h_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000897s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000359s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000259s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000493s ]
  6. SELECT * FROM `set` [ RunTime:0.000177s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000573s ]
  8. SELECT * FROM `article` WHERE `id` = 536098 LIMIT 1 [ RunTime:0.000465s ]
  9. UPDATE `article` SET `lasttime` = 1781687994 WHERE `id` = 536098 [ RunTime:0.004695s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000254s ]
  11. SELECT * FROM `article` WHERE `id` < 536098 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000415s ]
  12. SELECT * FROM `article` WHERE `id` > 536098 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000517s ]
  13. SELECT * FROM `article` WHERE `id` < 536098 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.010479s ]
  14. SELECT * FROM `article` WHERE `id` < 536098 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.011633s ]
  15. SELECT * FROM `article` WHERE `id` < 536098 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.002928s ]
0.103106s