中国人寿财险山东枣庄市中心支公司推出气象指数保险：淡水鱼养殖产业年年有“余”

Core Viewpoint - The introduction of comprehensive meteorological index insurance for freshwater fish farming in Shandong Province has significantly reduced operational risks for farmers, allowing them to focus on production with greater peace of mind [1][2]. Group 1: Insurance Product Overview - The comprehensive meteorological index insurance for freshwater fish farming is the first of its kind in Shandong Province, designed based on ten years of local meteorological data and fish growth conditions [2]. - The insurance automatically triggers compensation when specific weather conditions, such as heavy rainfall or prolonged low temperatures, reach predetermined thresholds, eliminating the need for loss assessment [2][3]. - Each acre of insured land is covered for up to 3,000 yuan, ensuring that even total fish mortality can be compensated to cover farmers' initial investments [2][3]. Group 2: Implementation and Impact - In 2024 and 2025, the insurance program covered 7,808 acres, providing risk protection worth 23.424 million yuan, with claims totaling 937,000 yuan triggered by adverse weather conditions [3][5]. - The insurance scheme has been expanded to include coverage for high temperatures, with compensation available when temperatures exceed 37°C for two consecutive days [4][5]. - The insurance premium remains unchanged at 180 yuan per acre, despite the expanded coverage, making it financially accessible for farmers [4][5]. Group 3: Government Support and Collaboration - The successful launch of the insurance product is attributed to strong government support and policy backing, as highlighted in the central government's directives promoting the development of specialty agricultural insurance [6][7]. - Local government agencies have collaborated to implement the insurance program, ensuring effective communication and outreach to farmers [7]. - The initiative aims to enhance the modern aquaculture industry in Shandong, integrating insurance with technological and policy support to foster sustainable growth [7].