种苹果有了“新”保险带来的启示

Group 1 - The core idea emphasizes the importance of precision in agricultural insurance, particularly through innovative products tailored to local agricultural characteristics [1][3] - The introduction of the apple flowering period weather index insurance in Shaanxi has provided risk protection for over 20,000 acres of orchards, allowing farmers to mitigate losses from unexpected weather events [1] - Recent agricultural insurance policies have expanded coverage and improved service quality, significantly enhancing farmers' willingness to engage in agricultural production [2][3] Group 2 - The implementation of comprehensive cost insurance and income insurance for three major grain crops is ongoing, with a focus on expanding coverage and developing tailored insurance products for local specialties [2] - Agricultural insurance has provided risk protection for 800 million farming households during the 14th Five-Year Plan period, with compensation payments expected to reach 123.743 billion yuan in 2024 [2] - The need for precise claims processing and the use of technology in agricultural insurance services are highlighted as critical for improving service quality and ensuring farmers' satisfaction [3][4] Group 3 - The insurance industry is encouraged to enhance its disaster risk management capabilities and improve its pricing and underwriting abilities to better respond to extreme weather events [4] - The development of customized insurance products, such as property and liability insurance, is essential for enhancing risk prevention in agricultural operations and supporting rural industry development [3]