Qi Lu Wan Bao·2025-12-10 11:04Core Viewpoint - Ping An Property & Casualty Insurance Company of Qingdao has launched a digital map-based agricultural insurance model called "Double Precision," marking a significant step towards high-quality development in agricultural insurance [1][2]. Group 1: Innovation in Agricultural Insurance - The "Double Precision" model addresses traditional agricultural insurance challenges such as inaccurate data, vague loss assessment, and unfair claims by utilizing a high-precision digital map for comprehensive digital mapping of "land, rights, assets, and people" [1]. - The model transitions from "experience-driven" to "data-driven," employing satellite remote sensing, AI recognition, and meteorological big data to create an integrated monitoring system for dynamic tracking of crop growth throughout its lifecycle [1][2]. - The system provides early warnings before disasters and combines online remote loss estimation with offline inspections post-disaster to ensure objective and fair loss assessments, enhancing claims efficiency and protecting the rights of insured farmers [1]. Group 2: Accessibility and Fairness in Services - The "Ainongbao" app allows farmers to self-insure, verify standards, report claims, and check claim statuses, ensuring equal recording and verification of all land information, thus breaking down service barriers that favored larger agricultural operators [2]. - The accurate ecological data generated supports the development of green insurance products, contributing to the advancement of "green finance" and promoting sustainable agricultural transformation [2]. Group 3: Recognition and Future Plans - The innovative practices of Ping An Property & Casualty Insurance in Qingdao have received high praise from authoritative bodies, including the Ministry of Agriculture and Rural Affairs and experts from Central University of Finance and Economics, for their replicable and promotable value [2]. - The company aims to deepen the "insurance + technology + service" model and solidify its leading position in the industry, providing robust support for rural revitalization and contributing to financial services for agriculture [3].