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农业天气指数保险
释义
农业天气指数保险
Encyclopedia
农学
农业天气指数保险
释
insurance based on weather index
农业天气指数保险
与农户、农业企业、农场等的农产品产量或收入高度相关,但又独立于标的的一个或几个指数化的天气变量。如天气事件(台风、冰雹、冰冻、热浪、暴风雪、厄尔尼诺现象等)、温度、降水、风速、光照等为赔付依据的农业保险产品。相比传统农业保险产品的理赔依据是投保农田直接的产量或收入损失,农业天气指数保险是一种创新的农业保险产品模式。理赔依据不同是两类保险产品最本质的区别。又称农业气象指数保险。
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