一、保险标的同时符合下列条件的小麦、水稻、玉米、大豆等农作物可作为本保险合同的保险标的:(1)种植场所在当地洪水水位线以上的非蓄洪、行洪区;(2)作物种植符合当地普遍采用的技术要求;(3)生长正常。投保人应将符合上述条件的保险农作物全部投保,不得选择投保。二、保险责任在保险期间内,由于风灾、暴雨、洪水、内涝、雹灾、旱灾、冻灾(霜冻及障碍性低温冷害)、病虫害等原因直接造成保险农作物的死亡(或损失),且损失率达到30% (1) Non-flood storage and flood discharge areas where the planting place is above the local flood water level; (2) Crops that are not covered by flood water; Planting in line with the prevailing local technical requirements; (3) normal growth. Applicants should be fully meet the above conditions insurance crop insurance, may not choose to insure. Second, the insurance liability Insurance period, due to wind-induced death, heavy rains, floods, waterlogging, hail, drought, frost damage (frost and barrier cold damage), pests and diseases directly cause the death of insurance crops (or loss), and the loss rate Reach 30%