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河北省關(guān)于印發(fā)政策性農(nóng)機(jī)保險實(shí)施方案的通知

2020-03-17 09:07:03 來源：河北省農(nóng)業(yè)農(nóng)村廳 閱讀量：14606 評論

導(dǎo)讀：為有效推動全省政策性農(nóng)機(jī)保險工作提標(biāo)、增品、擴(kuò)面,提高對農(nóng)業(yè)機(jī)械所有人、駕駛?cè)撕娃r(nóng)機(jī)事故受害人保障程度,降低農(nóng)機(jī)安全事故發(fā)生率，促進(jìn)農(nóng)機(jī)化事業(yè)健康發(fā)展,更好地發(fā)揮政策性農(nóng)機(jī)保險對農(nóng)業(yè)和農(nóng)村經(jīng)濟(jì)社會發(fā)展的保障作用,

　　【農(nóng)機(jī)網(wǎng) 通知公告】 冀農(nóng)發(fā)〔2020〕33號
 
　　各市(含定州、辛集市)農(nóng)業(yè)農(nóng)村局、財政局、銀保監(jiān)分局，各縣(市、區(qū))農(nóng)業(yè)農(nóng)村局、財政局，雄安新區(qū)公共服務(wù)局、改革發(fā)展局，各有關(guān)保險機(jī)構(gòu)：
 
　　現(xiàn)將《河北省政策性農(nóng)機(jī)保險實(shí)施方案》印發(fā)給你們，請結(jié)合本地區(qū)、本部門實(shí)際，認(rèn)真貫徹落實(shí)。
 
　　河北省農(nóng)業(yè)農(nóng)村廳 河北省財政廳 河北銀保監(jiān)局
 
　　2020年3月6日
 
河北省政策性農(nóng)機(jī)保險實(shí)施方案
 
　　為有效推動全省政策性農(nóng)機(jī)保險工作提標(biāo)、增品、擴(kuò)面,提高對農(nóng)業(yè)機(jī)械所有人、駕駛?cè)撕娃r(nóng)機(jī)事故受害人保障程度,降低農(nóng)機(jī)安全事故發(fā)生率，促進(jìn)農(nóng)機(jī)化事業(yè)健康發(fā)展,更好地發(fā)揮政策性農(nóng)機(jī)保險對農(nóng)業(yè)和農(nóng)村經(jīng)濟(jì)社會發(fā)展的保障作用,依據(jù)《農(nóng)業(yè)保險條例》、財政部農(nóng)業(yè)農(nóng)村部銀保監(jiān)會國家林草局《關(guān)于印發(fā)<關(guān)于加快農(nóng)業(yè)保險高質(zhì)量發(fā)展的指導(dǎo)意見>的通知》(財金〔2019〕102號)以及農(nóng)業(yè)、財政、保險監(jiān)管等部門關(guān)于涉農(nóng)保險文件精神，結(jié)合我省實(shí)際，制定本實(shí)施方案。
 
　　一、總體思路
 
　　認(rèn)真貫徹落實(shí)黨中央和省委、省政府強(qiáng)農(nóng)惠農(nóng)政策，堅持“政府引導(dǎo)、市場運(yùn)作、自主自愿、協(xié)同推進(jìn)”的原則，按照“低費(fèi)率、廣覆蓋”的工作思路，更好地滿足農(nóng)機(jī)領(lǐng)域抵御風(fēng)險保障需求。完善工作機(jī)制，規(guī)范管理辦法，提升服務(wù)能力，增強(qiáng)參與主體的社會責(zé)任，促進(jìn)全省農(nóng)機(jī)保險健康、持續(xù)、穩(wěn)定發(fā)展。
 
　　二、主要內(nèi)容
 
　　(一)保費(fèi)補(bǔ)貼險種。農(nóng)民在自主自愿的基礎(chǔ)上，對在縣級農(nóng)業(yè)農(nóng)村局注冊登記并在檢驗(yàn)有效期內(nèi)的拖拉機(jī)、聯(lián)合收獲機(jī)投保農(nóng)業(yè)機(jī)械綜合險、拖拉機(jī)運(yùn)輸機(jī)組投保交強(qiáng)險，政府給予部分保費(fèi)補(bǔ)貼。農(nóng)業(yè)機(jī)械綜合險指拖拉機(jī)(含配套農(nóng)具)、聯(lián)合收獲機(jī)械綜合險(包括農(nóng)業(yè)機(jī)械損失險、第三者責(zé)任險、操作人員責(zé)任險)。根據(jù)拖拉機(jī)、聯(lián)合收獲機(jī)械作業(yè)特點(diǎn)，農(nóng)業(yè)機(jī)械綜合險又分為年度、半年、季度保險。
 
　　(二)保險責(zé)任范圍
 
　　拖拉機(jī)運(yùn)輸機(jī)組交強(qiáng)險保險責(zé)任：被保險人或其允許的合法操作人員在使用被保險農(nóng)業(yè)機(jī)械作業(yè)、轉(zhuǎn)移等過程中發(fā)生意外事故，致使第三者遭受人身傷亡或財產(chǎn)損毀。
 
　　農(nóng)業(yè)機(jī)械損失險的保險責(zé)任：被保險人或其允許的合法操作人員在使用被保險農(nóng)業(yè)機(jī)械作業(yè)、轉(zhuǎn)移或停放等過程中，因自然災(zāi)害或意外事故所導(dǎo)致的被保險農(nóng)業(yè)機(jī)械的直接損失。自然災(zāi)害主要包括：雷擊、暴風(fēng)、暴雨、洪水、龍卷風(fēng)、冰雹、臺風(fēng)、地陷、崖崩、滑坡、泥石流、暴雪、雪崩、冰凌、沙塵暴等。意外事故主要包括：碰撞、傾覆、墜落、火災(zāi)、爆炸、外界物體墜落、倒塌、受到被保險農(nóng)業(yè)機(jī)械所載貨物意外撞擊、被保險農(nóng)業(yè)機(jī)械在運(yùn)輸裝卸過程中發(fā)生意外事故、載運(yùn)被保險農(nóng)業(yè)機(jī)械的運(yùn)輸工具發(fā)生意外事故(營業(yè)性運(yùn)輸除外)等。
 
　　第三者責(zé)任保險的保險責(zé)任：被保險人或其允許的合法操作人員在被保險農(nóng)業(yè)機(jī)械作業(yè)、轉(zhuǎn)移等過程中發(fā)生意外事故，致使第三者遭受人身傷亡或財產(chǎn)損毀。
 
　　操作人員責(zé)任保險的保險責(zé)任：被保險人或其允許的合法操作人員在被保險農(nóng)業(yè)機(jī)械作業(yè)、轉(zhuǎn)移等過程中發(fā)生意外事故，致使操作人員遭受人身傷亡。
 
　　(三)保障水平和保險費(fèi)率。河北省政策性農(nóng)機(jī)保險的保障水平和保險費(fèi)率按照農(nóng)機(jī)種類和保險金額(責(zé)任限額)等因素確定，由相關(guān)保險公司總公司報中國銀保監(jiān)會報備后執(zhí)行。
 
　　(四)保費(fèi)補(bǔ)貼比例。省級財政采取以獎代補(bǔ)的方式對自愿開展政策性農(nóng)機(jī)保險工作的市縣給予保費(fèi)補(bǔ)貼支持。省級財政對財政直管縣和貧困縣的保費(fèi)補(bǔ)貼比例50%，對其它縣(市、區(qū))補(bǔ)貼比例40%，各市、縣(市、區(qū))財政補(bǔ)貼比例自行確定，省、市、縣三級財政補(bǔ)貼比例原則上不低于80%;農(nóng)戶承擔(dān)部分不高于20%。
 
　　(五)政策性農(nóng)機(jī)保險經(jīng)辦機(jī)構(gòu)的選定。由省農(nóng)業(yè)農(nóng)村廳會同有關(guān)部門通過招投標(biāo)方式擇優(yōu)確定省級保險經(jīng)辦機(jī)構(gòu)。
 
　　三、保障措施
 
　　(一)強(qiáng)化組織領(lǐng)導(dǎo)，協(xié)同推進(jìn)落實(shí)。成立省政策性農(nóng)機(jī)保險工作領(lǐng)導(dǎo)小組，省農(nóng)業(yè)農(nóng)村廳、省財政廳、河北銀保監(jiān)局、保險經(jīng)營機(jī)構(gòu)等為成員單位，辦公室設(shè)在省農(nóng)業(yè)農(nóng)村廳。省農(nóng)業(yè)農(nóng)村廳負(fù)責(zé)總體推進(jìn)全省政策性農(nóng)機(jī)保險工作，加強(qiáng)與財政、保險監(jiān)管和保險機(jī)構(gòu)的協(xié)調(diào)溝通，指導(dǎo)農(nóng)民和新型農(nóng)業(yè)經(jīng)營主體做好農(nóng)機(jī)防災(zāi)減災(zāi)工作，提供農(nóng)機(jī)基礎(chǔ)數(shù)據(jù)，協(xié)助保險經(jīng)營機(jī)構(gòu)開展定損理賠，減少農(nóng)機(jī)安全事故的發(fā)生率。省財政廳負(fù)責(zé)政策性農(nóng)機(jī)保險保費(fèi)省級補(bǔ)貼資金的籌集、撥付和清算工作。河北銀保監(jiān)局負(fù)責(zé)對政策性農(nóng)機(jī)保險經(jīng)辦機(jī)構(gòu)的業(yè)務(wù)進(jìn)行指導(dǎo)和監(jiān)管。保險機(jī)構(gòu)負(fù)責(zé)推進(jìn)政策性農(nóng)機(jī)保險業(yè)務(wù)，總結(jié)和推廣成功工作經(jīng)驗(yàn)。
 
　　自愿開展政策性農(nóng)機(jī)保險工作的市、縣(市、區(qū))應(yīng)成立對應(yīng)的工作機(jī)構(gòu)，結(jié)合本地實(shí)際，研究制定本級政策性農(nóng)機(jī)保險工作實(shí)施方案，并報省政策性農(nóng)機(jī)保險工作領(lǐng)導(dǎo)小組備案。
 
　　(二)統(tǒng)籌保障資金，規(guī)范補(bǔ)貼運(yùn)行。自愿開展政策性農(nóng)機(jī)保險工作的市、縣級財政部門要積極安排落實(shí)保費(fèi)補(bǔ)貼資金，將政策性農(nóng)機(jī)保險補(bǔ)貼納入政策性農(nóng)業(yè)保險補(bǔ)貼資金管理，對每年應(yīng)由本級承擔(dān)的保費(fèi)補(bǔ)貼資金列入年初預(yù)算。市、縣(市、區(qū))保費(fèi)補(bǔ)貼資金由同級保險公司提出申請，經(jīng)市、縣(市、區(qū))農(nóng)機(jī)主管部門審核確認(rèn)出具正式審核意見后，報同級財政部門申請撥付資金。
 
　　每年5月10日前，承辦農(nóng)機(jī)保險的省級保險機(jī)構(gòu)負(fù)責(zé)匯總市、縣級基層經(jīng)辦機(jī)構(gòu)申報資料，經(jīng)省農(nóng)業(yè)農(nóng)村廳審核同意后，報省財政廳申請撥付保費(fèi)補(bǔ)貼，省財政廳直接將保費(fèi)補(bǔ)貼撥付保險公司省級分公司。申報資料包括：補(bǔ)貼資金申請報告、市、縣(市、區(qū))政策性農(nóng)機(jī)試點(diǎn)工作方案、市、縣(市、區(qū))財政部門保費(fèi)補(bǔ)貼資金撥付憑證和審核意見(制式清單)。
 
　　(三)加大宣傳力度，提升投保積極性。各級政府相關(guān)部門及保險機(jī)構(gòu)要利用各種新聞媒體加強(qiáng)對農(nóng)機(jī)保險政策的宣傳。農(nóng)機(jī)戶自主自愿投保，鼓勵、支持、農(nóng)民專業(yè)合作社等新型農(nóng)業(yè)經(jīng)營主體為農(nóng)機(jī)戶投保，有條件的可以將政策性農(nóng)機(jī)保險與惠農(nóng)政策綜合使用，更好地為農(nóng)民群眾增收服務(wù)。
 
　　(四)提高服務(wù)質(zhì)量，培育開拓保險市場。各級政府相關(guān)部門要督促保險機(jī)構(gòu)做好各項基礎(chǔ)工作，逐步完善農(nóng)機(jī)保險基層服務(wù)機(jī)構(gòu)的建設(shè)，加強(qiáng)對政策性農(nóng)機(jī)保險的組織與推廣。保險憑證、理賠款項應(yīng)落實(shí)到有機(jī)戶，保險憑證要載明投保機(jī)具的所有人、號牌號碼、保單號、保險責(zé)任、保險金額、保險費(fèi)、保險起止期間等信息，載明省、市、縣財政部門和有機(jī)戶、農(nóng)民專業(yè)合作社等新型農(nóng)業(yè)經(jīng)營主體有關(guān)各方承擔(dān)的保費(fèi)比例和具體金額，保障參保農(nóng)機(jī)戶的參與權(quán)和知情權(quán)，把政策性農(nóng)機(jī)保險辦成陽光保險。各保險機(jī)構(gòu)不得拒保交強(qiáng)險，不得以補(bǔ)貼資金尚未全部到位為由拖賠、拒賠。
 
　　(五)落實(shí)責(zé)任分工，保障健康發(fā)展。農(nóng)機(jī)主管部門對保費(fèi)補(bǔ)貼資金申報資料的完整性負(fù)責(zé);財政部門要及時撥付應(yīng)負(fù)擔(dān)的保費(fèi)補(bǔ)貼資金;保險監(jiān)管部門依照國家有關(guān)規(guī)定，堅決查處違法違規(guī)行為;各保險經(jīng)辦機(jī)構(gòu)要對申報保費(fèi)補(bǔ)貼資金資料的真實(shí)性和準(zhǔn)確性負(fù)責(zé)，嚴(yán)禁以虛假承保套取各級財政保費(fèi)補(bǔ)貼資金，同時，要加強(qiáng)內(nèi)部監(jiān)督檢查和管理，每年定期對所屬分支機(jī)構(gòu)進(jìn)行專項檢查，依法合規(guī)開展業(yè)務(wù)。

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