北京4月极端大风农业定损金额最终超千万元，已全部赔付完毕

Core Viewpoint - Beijing has revised its policy agricultural insurance terms for 2025, enhancing coverage, optimizing rates, and strengthening supervision to support the agricultural insurance sector in the city [1][7]. Group 1: Insurance Coverage - The revised terms introduce a total of 48 insurance types, including 30 for crop production (grains, vegetables, fruits), 13 for livestock (dairy cows, sows, aquaculture, poultry, beekeeping), and 4 for agricultural property (greenhouses, fruit trees, machinery) [2][4]. - The insurance covers risks such as hail, strong winds, heavy rain, severe drought, animal diseases, and accidents [2]. Group 2: Financial Impact - From 2007 to 2024, the total premium income from policy agricultural insurance in Beijing reached 9.34 billion yuan, with total insurance coverage amounting to 210.41 billion yuan [2]. - The number of insured entities reached 2.399 million, with total compensation payments of 7.72 billion yuan benefiting 1.842 million households, resulting in a simple compensation rate of 82.7% [2]. Group 3: New Insurance Options - The revision includes new insurance options for staple crops like wheat, corn, rice, and soybeans, allowing farmers to choose between traditional crop insurance, full cost insurance, and income insurance [3]. - For example, the new corn full cost insurance offers a coverage of 950 yuan per mu, doubling the previous coverage of 550 yuan for traditional corn planting insurance [3]. Group 4: Claims Process Improvements - The revised terms clarify claims requirements, enhancing the accuracy of certain weather index insurances and establishing a 24-hour response time for claims [5]. - The threshold for compensation for vegetable frost damage has been adjusted from a 50% loss requirement to a calculation based on actual losses [5]. Group 5: Accessibility and Support - All 13 agricultural districts in Beijing will benefit from standardized and unified insurance policies, allowing farmers to choose from basic, full cost, or income insurance based on their needs [6]. - The city has selected six insurance companies to provide policy agricultural insurance, emphasizing rapid response and claims processing in the event of disasters [6].