高质量发展 | 中国东方旗下中华保险科技赋能精准承保 快速理赔守护丰收 打造现代化农业保险新标杆

Core Viewpoint - Agricultural insurance plays a crucial role in modern agricultural risk management, safeguarding farmers' interests, effectively dispersing natural risks, maintaining agricultural production stability, and promoting high-quality rural economic development [1][10]. Group 1: Company Overview - Established in 1986, the Xinjiang Production and Construction Corps Agricultural Production Insurance Company has evolved into a national state-owned insurance enterprise, China United Property Insurance Company [1][10]. - The Xinjiang branch of China United Property Insurance Company has developed a comprehensive service network across Xinjiang, including 20 regional branches, 1 business department, 300 county-level branches, and 1,947 village-level service points [1][10]. Group 2: Agricultural Insurance Achievements - In 2025, the company insured over 20 million acres of crops and more than 10 million livestock, providing risk coverage of 50 billion yuan to over 600,000 farming households [3][12]. - The company has expanded its agricultural insurance offerings to include major crops like cotton, wheat, and corn, as well as innovative products such as weather index and yield enhancement insurance [3][12][13]. Group 3: Technological Innovations - The company has implemented a "space-ground" integrated smart agricultural insurance system using advanced technologies like remote sensing, drones, GPS, and GIS [4][14]. - This system allows for "map-based underwriting" and "map-based claims," enhancing the accuracy of underwriting data and improving loss assessment efficiency [4][14]. Group 4: Disaster Prevention and Response - The company established a collaborative mechanism with local agricultural and meteorological departments to enhance disaster prevention and response, exemplified by a successful response to hail damage in July 2025 [5][15]. - The rapid assessment and claims process following disasters has significantly reduced the financial impact on farmers, with claims processed within 48 hours in some cases [6][16]. Group 5: Collaboration and Future Outlook - The company collaborates closely with local agricultural departments, forming a cooperative mechanism that integrates government guidance, insurance leadership, and multi-party participation [7][18]. - Looking ahead, the company aims to deepen its "agricultural insurance priority strategy," enhance technological investments, and explore new risk monitoring mechanisms based on IoT and big data [9][19].