Zheng Quan Ri Bao Zhi Sheng·2025-09-21 10:38Core Viewpoint - The article emphasizes the importance of autumn grain production for national food security and highlights the proactive measures taken by China Life Property & Casualty Insurance in Shandong Province to ensure stable production and support farmers' income through comprehensive risk management and insurance services [1][5]. Group 1: Risk Management and Support Measures - China Life Property & Casualty Insurance has implemented a full-cycle risk management service for crops, including hiring agricultural experts for pest control and promoting high-standard farmland insurance [1][2]. - The company utilizes integrated satellite remote sensing technology to monitor the growth of 279,000 acres of corn and employs drone technology to expedite disaster assessment and claims processing [1][3]. - Collaboration with agricultural departments has led to the distribution of management guidelines and on-site expert guidance to reduce risks associated with crop lodging [2][3]. Group 2: Insurance Products and Coverage - In 2023, the company provided policy-based autumn grain insurance covering 674,500 acres, with a risk guarantee of 640 million yuan, addressing losses from natural disasters and pests [5][6]. - The introduction of supplementary insurance products, such as corn yield insurance and comprehensive meteorological index insurance, allows farmers to choose suitable commercial insurance to bridge the gap between policy insurance and actual income expectations [6][5]. - The shift from production insurance to income insurance has increased the coverage per acre from 950 yuan to 1,000 yuan, enhancing protection for farmers, especially large-scale grain producers [5][6]. Group 3: Technological Integration and Monitoring - The company has partnered with technology firms to conduct remote monitoring of corn growth and disaster conditions, creating monitoring reports to guide farmers in disaster prevention and field management [3][4]. - High-precision remote sensing mapping is being utilized to ensure accurate matching of insured plots with the crops planted, addressing issues of boundary ambiguity and information asymmetry [3][4]. - Continuous inspections of high-standard farmland and facilities are conducted to ensure effective irrigation and drainage during adverse weather conditions [4][3].