晚播小麦有了数字化风险屏障——全国首单商业性小麦出苗率保险落地河南

Core Insights - The first commercial wheat seedling rate insurance in China has been launched in five major wheat-producing counties in Henan Province, providing a digital risk management solution for late-sown wheat production [1] Group 1: Addressing Production Risks - The insurance product targets the risks associated with late sowing due to severe rainfall, which has delayed the planting period and raised concerns about uneven seedling emergence and high replanting costs [2] - The insurance is designed to provide compensation if the seedling rate does not meet the agreed standards, thus addressing the specific challenges faced by farmers during late sowing [2] Group 2: Technological Innovation in Claims Processing - The insurance utilizes satellite remote sensing technology, specifically the NDVI index, to automate the claims process, allowing for more accurate assessments of seedling conditions [3] - The system can monitor seedling dynamics in real-time, triggering automatic claims when the NDVI index falls below a predetermined threshold, thus eliminating the need for farmers to prove their losses [3] Group 3: Comprehensive Support Services - The introduction of the insurance product not only provides financial security but also includes agricultural management advice for late-sown wheat, enhancing farmers' confidence and improving crop management practices [4] - The insurance service model shifts from post-event claims to a comprehensive service that includes pre-warning, intervention during the growing season, and rapid claims processing, integrating technology, agricultural insurance, and agricultural expertise [4] - The initiative aligns with provincial goals to modernize agriculture and rural areas, emphasizing timely and precise agricultural insurance services throughout the entire growth cycle of wheat [4]