손해평가사 2차 단답형.서술형 합격을 위한 ﻿보험료율 적용 및 할인·할증(↑ 할증, ↓ 할인)

<table style="border: currentColor; border-collapse: collapse;"><tbody><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 773.38pt; height: 24.31pt;" vAlign="center" colSpan="18"><img class="txc-emo" border="0" src="//i1.daumcdn.net/deco/contents/emoticon/things_04.gif?v=2" width="20" height="21">보험료율 적용 및 할인·할증(↑ 할증, ↓ 할인)<img class="txc-emo" border="0" src="//i1.daumcdn.net/deco/contents/emoticon/things_04.gif?v=2" width="20" height="21"></td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 103.09pt; height: 31.64pt;" vAlign="center" rowSpan="2" colSpan="3">보험료율적용</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 31.64pt;" vAlign="center" rowSpan="2" colSpan="5">지역별·자연재해의 특성에 따라</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 13.82pt;" vAlign="center" colSpan="10">시·군·구</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 17.82pt;" vAlign="center" colSpan="10">광역시·도</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 103.09pt; height: 132.66pt;" vAlign="center" rowSpan="11" colSpan="3">보험료 할인·할증</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 16.92pt;" vAlign="center" colSpan="5">최대 할증 : 40%</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 16.92pt;" vAlign="center" colSpan="10">최대 할인 : 25%</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 12.82pt;" vAlign="center" colSpan="5">특정위험방식</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 127.54pt; height: 38.82pt;" vAlign="center" rowSpan="4" colSpan="2">방재시설설치</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.33pt; height: 16.32pt;" vAlign="center" rowSpan="2" colSpan="6">방재시설별</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 99.47pt; height: 38.82pt;" vAlign="center" rowSpan="4" colSpan="2">5~30%주계약동상해특약만</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 12.82pt;" vAlign="center" rowSpan="2" colSpan="5">종합위험방식</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.33pt; height: 22.5pt;" vAlign="center" rowSpan="2" colSpan="6">대상재해별</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 13.18pt;" vAlign="center" colSpan="5">적과전종합위험방식</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 51.28pt;" vAlign="center" rowSpan="4" colSpan="5">특정위험방식(사과·배)</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 127.54pt; height: 51.28pt;" vAlign="center" rowSpan="4" colSpan="2">주계약 : 태풍(강풍)·우박</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 92.27pt; height: 51.28pt;" vAlign="center" rowSpan="4" colSpan="3">숙기별 사과`배</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 129.06pt; height: 25.64pt;" vAlign="center" rowSpan="2" colSpan="3">사과(만생종) 기본요율</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 99.47pt; height: 12.82pt;" vAlign="center" colSpan="2">조생 10% ↑</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 99.47pt; height: 12.82pt;" vAlign="center" colSpan="2">중생 5% ↑</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 129.06pt; height: 25.64pt;" vAlign="center" rowSpan="2" colSpan="3">배(중생종) 기본요율</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 99.47pt; height: 12.82pt;" vAlign="center" colSpan="2">조생 5% ↑</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 99.47pt; height: 12.82pt;" vAlign="center" colSpan="2">만생 5% ↓</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 25.64pt;" vAlign="center" rowSpan="2" colSpan="5">종합위험방식(매실)</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 127.54pt; height: 25.64pt;" vAlign="center" rowSpan="2" colSpan="2">백가하 품종비중</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.33pt; height: 12.82pt;" vAlign="center" colSpan="6">비중 80%초과</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 99.47pt; height: 12.82pt;" vAlign="center" colSpan="2">17% ↑</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.33pt; height: 12.82pt;" vAlign="center" colSpan="6">품종 미포함</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 99.47pt; height: 12.82pt;" vAlign="center" colSpan="2">8% ↓</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 103.09pt; height: 230.76pt;" vAlign="center" rowSpan="18" colSpan="3">보험가입금액 산출</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 51.28pt;" vAlign="center" rowSpan="4" colSpan="5">시설작물·노지고추·인삼·느타리·표고버섯 제외</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">농지별 가입수확량 ☓ 가입가격(표준가격)</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">평균착과량(or 평년수확량)의 일부(50%~100%)</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">백가하(80%초과) : 평년수확량의 50~80%</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">사업자는 체결 시 표준수확량 및 표준가격을 고지</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 25.64pt;" vAlign="center" rowSpan="2" colSpan="5">시설작물</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">작기별 보험가액의 합 : 50~100%(10% 단위)</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">연간 2작기를 초과 : 가액이 높은 2작물의 합</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 25.64pt;" vAlign="center" rowSpan="2" colSpan="5">느타리·표고버섯</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">작기별 보험가액(생산비)의 합이며 100%를 가입</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">연간 2작기를 초과 : 가액이 높은 2작물의 합</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 89.74pt;" vAlign="center" rowSpan="7" colSpan="5">농업용시설물</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">단지 내 하우스 1동 단위</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">전산으로 산정된 보험가액 50~100%(10% 단위)</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">재조달가액보장특약 : 재조달가액 50~100%(10%)</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 101.07pt; height: 51.28pt;" vAlign="center" rowSpan="4">전산 산정이 안 됨</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 174.22pt; height: 12.82pt;" vAlign="center" colSpan="5">유리온실</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 173.05pt; height: 12.82pt;" vAlign="center" colSpan="4">계약자의 고지사항</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 174.22pt; height: 12.82pt;" vAlign="center" colSpan="5">버섯재배사</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 173.05pt; height: 12.82pt;" vAlign="center" colSpan="4">관련서류 기초</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 174.22pt; height: 12.82pt;" vAlign="center" colSpan="5">원예특작시설 내재해형</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 173.05pt; height: 12.82pt;" vAlign="center" colSpan="4">추정하여 결정</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 174.22pt; height: 12.82pt;" vAlign="center" colSpan="5">부대시설</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 173.05pt; height: 12.82pt;" vAlign="center" colSpan="4">   </td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 12.82pt;" vAlign="center" colSpan="5">노지고추</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">보험가액(생산비)의 50~100%(10% 단위)</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 12.82pt;" vAlign="center" colSpan="5">인삼</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">연근 별 단위면적당 50~100%(10% 단위)</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 221.95pt; height: 12.82pt;" vAlign="center" colSpan="5">인삼 해가림 시설</td><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 448.34pt; height: 12.82pt;" vAlign="center" colSpan="10">보험가액 50~100%(10% 단위) 범위 내에서 결정</td></tr><tr><td style="padding: 1.41pt 5.1pt; border: 0.28pt solid rgb(0, 0, 0); width: 773.38pt; height: 36px;" vAlign="center" colSpan="18">보험료는 과수원별 보험가입금액에 보험료율, 과수원 손해율에 따른 할인`할증, 방재시설 할인율, 숙기별 할인`할증, 친환경재배 할증을 곱하여 산정한다.</td></tr><tr><td style="border-width: 0.28pt medium medium; border-style: solid none none; border-color: rgb(0, 0, 0) currentColor currentColor; padding: 1.41pt 5.1pt; width: 773.38pt; height: 21px;" vAlign="center" colSpan="18">   </td></tr><tr><td style="padding: 1.41pt 5.1pt; border: currentColor; width: 58.93pt; height: 38.82pt;" vAlign="center">보험료</td><td style="padding: 1.41pt 5.1pt; border: currentColor; width: 27.18pt; height: 38.82pt;" vAlign="center">=</td><td style="padding: 1.41pt 5.1pt; border: currentColor; width: 26px; height: 38.82pt;" vAlign="center" colSpan="2">보험가입금액</td><td style="padding: 1.41pt 5.1pt; border: currentColor; width: 57px; height: 38.82pt;" vAlign="center">×</td><td style="padding: 1.41pt 5.1pt; border: currentColor; width: 74.51pt; height: 38.82pt;" vAlign="center">보험요율</td><td style="padding: 1.41pt 5.1pt; border: currentColor; width: 36.79pt; height: 38.82pt;" vAlign="center">×</td><td style="padding: 1.41pt 5.1pt; border: currentColor; width: 191.92pt; height: 38.82pt;" vAlign="center" colSpan="4">1 ± 손해율에 따른 과수원별 할인`할증률</td><td style="padding: 1.41pt 5.1pt; border: currentColor; width: 30.72pt; height: 38.82pt;" vAlign="center">×</td><td style="padding: 1.41pt 5.1pt; border: currentColor; width: 117.74pt; height: 38.82pt;" vAlign="center" colSpan="3">1-방재시설 할인율</td><td style="padding: 1.41pt 5.1pt; border: currentColor; width: 41.7pt; height: 38.82pt;" vAlign="center" colSpan="2">×</td><td style="padding: 1.41pt 5.1pt; border: currentColor; width: 88.9pt; height: 38.82pt;" vAlign="center">1 ± 숙기별 할인`할증률</td></tr></tbody></table>