所以，一个综合赔付率为100%的农作物冰雹险不给保险公司产生利润。
Thus, a combined ratio of 100 for crop hail insurance produces no profit for the insurer.
这种业务的保费刚好在冰雹成为威胁的季节之前支付给保险公司，而如果农民受到了损失，他将几乎立即得到偿付。
Premiums on this kind of business are paid to the insurer just prior to the time hailstorms are a threat, and if a farmer sustains a loss he will be paid almost immediately.
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