Bei Jing Shang Bao·2025-06-15 12:07Group 1 - Typhoon "Butterfly" made landfall in Hainan on June 13, causing severe damage in Hainan, Guangdong, and Guangxi, including landslides and mudslides [1] - The insurance industries in Guangdong, Hainan, and Guangxi quickly activated emergency plans, utilizing technology to reduce risks and opening green channels for claims [3][4] - Insurance companies are shifting from traditional "post-disaster compensation" to "pre-disaster prevention," establishing a comprehensive protection system from warning to response and loss reduction [5] Group 2 - Technology such as AI, drones, and IoT is being widely applied in the insurance sector to enhance risk identification and loss reduction efficiency [4][5] - The rapid claims process has been highlighted, with instances of claims being paid out even before the storm subsided [6][7] - Specific claims examples include a payment of 1.43 million yuan to aquaculture farmers and 24,200 yuan for mango damage in Hainan [7][8] Group 3 - Timely reporting of claims is crucial for determining the relationship between the disaster and the insured losses, affecting the insurer's liability [8] - Agricultural insurance products that cover typhoon risks may not require immediate reporting, as insurers can assess claims based on investment information [8]