创新气象指数保险 守护“辽东天然药库”——中华财险辽宁分公司助推中药材产业稳发展

Core Insights - The article discusses the introduction of a commercial meteorological index insurance for traditional Chinese medicine (TCM) materials in Xinbin County, Liaoning Province, aimed at enhancing the resilience of the TCM industry against weather-related risks [1][2] Group 1: Industry Overview - Xinbin County, known as the "natural medicine warehouse of Liaodong," has favorable geographical and climatic conditions for TCM cultivation, with fertile soil and a distinct seasonal climate [1] - The county has established a full industry chain for TCM, from seedling cultivation to deep processing, utilizing a "leading enterprise + cooperative + farmer" model [1] Group 2: Insurance Product Details - The new meteorological index insurance product is based on data from the Xinbin National Meteorological Station and targets low-temperature and rainfall disasters during critical growth periods of TCM materials [1] - The insurance features a seven-level compensation standard, automatically triggering payouts when specific thresholds for low temperatures or cumulative rainfall are met, allowing for up to 100% compensation for insured farmers [1] Group 3: Impact and Benefits - Launched in November 2025, the insurance product covers 2,809 acres of TCM crops, providing risk protection worth 24.56 million yuan, including major varieties like ginseng, huangjing, and cangzhu [2] - This financial innovation aligns insurance services with local agricultural characteristics, helping farmers stabilize production expectations and supporting sustainable industry operations [2] - The model not only creates a risk protection network for the local TCM industry but also serves as a practical reference for promoting meteorological index insurance in other major TCM production areas across the country [2]