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应对黄淮阴雨天气,保险防赔并举助力减损
Bei Jing Shang Bao·2025-10-12 12:01

Core Viewpoint - The continuous rainy weather in the Huanghuai region is significantly impacting the autumn harvest and winter wheat planting, prompting insurance companies to implement measures to facilitate claims and support farmers [1][3]. Group 1: Impact of Weather on Agriculture - The Huanghuai region has experienced multiple rounds of continuous rainfall this year, leading to higher precipitation levels compared to previous years, which poses challenges for timely harvesting and planting [3]. - The persistent rain has resulted in noticeable yield reductions in certain areas, particularly in Henan and Puyang, where insurance companies are actively engaging in claims assessments [4]. Group 2: Insurance Companies' Response - Major insurance companies like PICC, Ping An, and Taikang are opening green channels and simplifying claims processes to expedite compensation for farmers affected by the weather [1][3]. - Insurance institutions are utilizing technology such as drones and satellite remote sensing to enhance the efficiency of loss assessments and to establish scientific loss determination rules [4][8]. Group 3: Challenges in Claims Assessment - The claims assessment process faces significant challenges due to the unique nature of continuous rain, the widespread and dispersed nature of the affected areas, and the complexity of loss evaluations [7]. - The gradual and hidden damage caused by continuous rain complicates the quantification of losses, making it difficult to distinguish between natural yield reductions and weather-related damages [7]. Group 4: Technological Integration and Data Construction - Insurance companies are encouraged to strengthen technological integration by utilizing drones and satellites for loss assessments and developing weather index insurance to reduce the need for on-site evaluations [8]. - There is a call for enhanced data construction, including the development of agricultural risk models that integrate meteorological and crop yield data to create precise agricultural risk maps and loss assessment models [8].