保障“三秋”农业生产 山东保险业多措并举应对持续阴雨

Core Viewpoint - The insurance industry in Shandong has rapidly responded to adverse weather conditions affecting agricultural production by implementing a comprehensive risk management service system that includes pre-disaster warnings, emergency response during disasters, and post-disaster claims processing [1][15]. Group 1: Risk Management Initiatives - Shandong insurance companies have adopted a "prevention over compensation" philosophy, utilizing technology, resource integration, and government-enterprise collaboration to establish a full-process risk reduction service system [1][15]. - The China Pacific Property Insurance Shandong branch has conducted remote monitoring of crop growth over 660 million acres, serving over 600,000 households, and issued 37,000 warning messages to enhance disaster awareness [3]. - The Ping An Property Insurance Shandong branch has launched a service strategy that includes disaster warnings and resource integration, utilizing their "Ai Nong Bao" app to provide timely information to insured farmers [5]. Group 2: Claims Processing and Support - The People's Insurance Company of China Shandong branch has implemented a fast compensation process for claims related to continuous rain disasters, with over 250,000 yuan already paid out and claims processed within 24 hours [1][3]. - The China Life Property Insurance Shandong branch has established a three-dimensional defense system, offering innovative insurance products covering the entire lifecycle of crops and utilizing satellite remote sensing technology for precise damage assessment [7][8]. - The Sunshine Property Insurance Shandong branch has focused on proactive measures by providing flood prevention equipment and training to enhance emergency response capabilities among local farmers [13]. Group 3: Community and Agricultural Support - The China Pacific Property Insurance Shandong branch has coordinated the use of equipment such as pumps and excavators for emergency harvesting and drying operations, ensuring comprehensive coverage in key areas [3]. - The Ping An Property Insurance Shandong branch has invested in river dredging projects and collaborated with local agricultural departments to enhance drainage capabilities, preventing large-scale flooding in farmlands [5][11]. - The China Life Property Insurance Shandong branch has introduced a dual insurance system combining policy-based and commercial insurance, covering 336,700 acres of commercial autumn grain insurance with a risk guarantee of 211 million yuan [8].