Zheng Quan Ri Bao Zhi Sheng·2025-12-21 15:14Core Viewpoint - The article highlights the challenges faced by farmers in Tai'an due to continuous rainy weather affecting the autumn harvest, and how China Life Property & Casualty Insurance's comprehensive insurance and support services are helping mitigate these challenges and ensure timely planting for the next season [1][2][3]. Group 1: Insurance and Financial Support - China Life Property & Casualty Insurance has provided comprehensive cost insurance for over 32,000 acres of corn, offering risk coverage exceeding 300 million yuan [1]. - The total premium for the corn insurance is approximately 160,000 yuan, with local government subsidies covering 80% of the cost, leaving farmers to pay only about 40,000 yuan [1]. - As of November 30, the company has paid out 11 million yuan in claims to over 30,000 affected farmers, facilitating the purchase of seeds and fertilizers, thus accelerating wheat planting [2]. Group 2: Technological and Advisory Services - The company has implemented an emergency response mechanism and organized a "harvest rescue team" to assist farmers, enhancing information sharing and resource coordination with local governments [2]. - Utilizing drone and remote sensing technology, the company conducts disaster monitoring and yield estimation, which aids in precise damage assessment and efficient claims processing [2]. - An expert team from Shandong Agricultural University and local agricultural experts provides on-site technical guidance to farmers, aiming to reduce risks and enhance production management [3]. Group 3: Risk Management Strategy - The company is transitioning from a post-disaster compensation model to a comprehensive risk management approach, focusing on prevention and intervention throughout the entire grain production process [3]. - A multi-layered insurance system has been established, combining policy insurance with commercial supplementary insurance products, such as corn and soybean income insurance, to provide dual protection in terms of price and yield [3]. - The company plans to enhance winter wheat risk coverage and monitoring using satellite remote sensing technology to ensure reliable support for the next summer harvest [4].