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解码暴雨中的“风险防护网” “真金白银”为百姓织密织牢“保障伞”
Yang Shi Wang·2025-07-04 09:43

Group 1 - The article discusses the activation of a comprehensive "risk protection network" in China during the main flood season, which helps mitigate losses from natural disasters [1] - Insurance payouts are highlighted, with examples such as a supermarket in Guizhou receiving 2 million yuan and a homeowner in Wuhan receiving 50,000 yuan for damages [1][3] - The average annual premium for household property insurance ranges from 200 to 500 yuan, providing coverage for homes, renovations, and appliances [3] Group 2 - Agricultural insurance is also emphasized, with a maximum coverage of 1,100 yuan per mu for major crops like rice, wheat, and corn, and the central government subsidizing over 50 billion yuan annually for agricultural insurance premiums [6] - The article mentions the "catastrophe insurance" purchased by the government, which provided 12 million yuan in advance payments to a county affected by Typhoon "Butterfly" [8] - Insurance companies are proactive in disaster management, offering services such as pre-storm vehicle relocation alerts and using drones for rescue operations, which is referred to as "risk reduction" [8] Group 3 - The article warns that not all damages are covered by insurance, emphasizing the importance of understanding policy terms and retaining evidence for claims [10] - The metaphor of insurance as an umbrella that one hopes to never use is presented, highlighting its role in facilitating quicker recovery from disasters [10]