Core Viewpoint - The company is innovating agricultural insurance products and services in Inner Mongolia to address traditional insurance challenges and support rural revitalization through a combination of insurance and futures strategies [1][2][3][4] Group 1: Agricultural Insurance Innovations - The company has upgraded its insurance coverage from "basic protection" to "full chain protection" to address diverse risks in grassland animal husbandry and specialty planting [2] - Since 2015, the company has launched the first livestock weather index insurance in Xilin Gol League, enabling automatic compensation triggered by meteorological data, achieving rapid claims within 48 hours during droughts [2] - The company has expanded agricultural insurance coverage by introducing various innovative products, including target price insurance for potatoes and comprehensive cost insurance for staple crops [2] Group 2: "Insurance + Futures" Model - The company has developed an "insurance + futures" model to stabilize farmers' income and hedge against market price fluctuations, providing a combination of income insurance, futures price add-on insurance, and technological services [3] - In the pilot phase, this model has resulted in compensation amounts nearly double that of traditional insurance, covering both yield and price risks [3] - By 2024, the projects under this model have covered 2.87 million acres of crops and 970,000 livestock, providing risk protection exceeding 2.7 billion yuan for approximately 46,300 households [3] Group 3: Technological Empowerment - The company has established an integrated "sky-ground" intelligent service network using satellite remote sensing, drones, and artificial intelligence to enhance underwriting and claims efficiency [4] - Satellite technology monitors fire and pest risks for millions of acres of forest, while drones expedite large-scale crop loss assessments post-disaster [4] - Digital platforms facilitate easy land identification and online insurance for farmers, while AI technology helps prevent fraudulent claims by creating unique biological IDs for livestock [4]
人保财险内蒙古分公司：从“保基本”到“保全链”的创新实践