转自：新华财经 据了解，城房保险采取费用共担模式，在风险保费及人工巡查方面，政府奖补30%，居民承担70%。这 一模式有利于进一步发挥政府引导作用，提升城房保险的覆盖面；有利于强化居民主体意识，促使居民 更加关注自家房屋安全状况，主动采取一些预防措施，同时提升保障体系覆盖面。 下一步，南昌市分公司还将进一步完善投保资金管理和使用，加大宣传推广力度，通过典型案例讲解、 政策进社区等方式，提升居民对房屋安全风险和保险保障功能的认知；不断优化产品设计，提升服务效 率，积极探索在政府引导下的市场化可持续运营路径，努力将南昌市城房保险项目打造成惠及更多市民 的民生工程、放心工程。（陶基恩） 编辑：穆皓 为做好风险预防工作，南昌市分公司开展设备与人工相结合的风险预防服务，通过技术设备手段对倾 斜、裂缝、沉降等房屋问题每8小时采集一组数据并上传到网络监测系统，加强技术监测力度。同时， 南昌市分公司加强人工巡查工作，每月对10个街道住宅小区进行全面的安全巡检，重点关注房屋结构、 功能、周边环境。截至目前，南昌市西湖区64栋房屋已完成监测设备安装，已开展相关风险预防工作。 在推进城房保险工作的同时，南昌市分公司组建城房保险服务 ...

北京商报讯（记者 李秀梅）10月23日，据陕西金融监管局消息，陕西金融监管局指导保险机构构筑古 树名木保护屏障一是专属方案个性保护。推出古树名木保护救治保险、第三方责任保险等专属保险产 品，覆盖因自然灾害、意外事故、病虫害等造成古树名木受损，以及因古树倾倒、折断等意外情况造成 第三方人身伤亡、财产损失、仲裁或诉讼费用等风险保障。二是科技赋能智慧保护。采用智能手段，协 助开展古树名木资源普查、建档，为古树配备智慧监测设备，实时监测古树的土壤湿度、空气质量、生 长状态等关键数据，并通过智慧管理平台实现数据可视化与动态预警，构建"保险+科技+服务"风险减 量管理模式，强化古树生长风险预警监测和全生命周期管理。三是多方联动共同保护。加强与林业、文 旅、科研、环保等部门，以及高校、专家等多方联动，协助古树保护从政府单一主导转向"政企民"多元 共治，以绿色公益形式，组织社会各界共同参与古树守护，充分形成保护合力。 ...

Core Insights - The establishment of Hainan's first "Grain Insurance Treasure" risk reduction demonstration base aims to achieve precise risk control throughout the rice seed production cycle through an innovative model of "insurance + technology + service" [1] Group 1: Project Overview - The "Grain Insurance Treasure" risk reduction project is jointly promoted by Hainan's Agricultural and Rural Affairs Department and the Banking and Insurance Regulatory Commission, focusing on the core concept of "prevention over compensation" [1] - The project integrates advanced technologies such as satellite remote sensing, weather forecasting, soil moisture monitoring, and drones to manage risks in rice seed production [1] Group 2: Coverage and Impact - The project has enrolled over 20 farmers in the Gancheng Town, covering an area of 17,000 acres for rice seed production and providing comprehensive risk reduction services [1] - During the trial operation, the project has already reduced compensation losses by over 200,000 yuan, with expectations for further improvement in loss reduction effects as the experience matures [1]

经济观察网 8月20日至24日，第27届亚洲宠物展在上海新国际展览中心举行。 作为宠物保险领域的先行者，众安保险在本届亚宠展的首个公众开放日（8月23日）举办"你的宠爱，我 来守护——众安宠物险品牌升级发布会"。 在投保时，用户只需解锁手机并"碰一下"，然后点击右上角搜索"众安保险"，选择"宠物"，再点击"为 爱宠投保"，即可开始投保流程。 在理赔方面，用户只需解锁手机并"碰一下"，点击右上角搜索"众安保险"，选择右下角"我的"，进 入"我的保单"，选择保单即可开始理赔。 众安宠物险主理人春颖表示："如今，智慧科技已经融入生活方方面面，我们想让科技的便利也惠及每 一位毛孩子。'碰一下'正在改变很多支付场景，今天我们也把这个便捷体验带到了宠物领域——只需拿 出手机'碰一下'，就能解锁宠物生活的各种应用场景。" 众安保险业绩报告显示，2025年上半年，宠物生态当期提供的服务次数接近88万次，累计服务次数达到 325万次，人均服务次数较去年同期提升79%。在宠物医疗问诊环节，AI承接95%以上的宠物主问诊。 近年，众安保险以"保险+科技+服务"为核心切入点，探索宠物医疗保险产品，基于宠物全生命周期不 同阶段需求，通 ...

Group 1 - The core idea of the news is the integration of insurance, technology, and services in promoting cultural tourism in Fujian, enhancing visitor safety and health protection while supporting local economic development [1][4][6] - The event featured a live broadcast that combined historical cultural exploration with financial protection concepts, showcasing Fujian's maritime culture and promoting insurance products tailored for summer travel risks [1][6] - The live broadcast achieved significant engagement, with a total exposure of 1.05 million, over 371,000 interactions, and 93,000 online viewers, indicating strong interest in the intersection of finance and tourism [6][9] Group 2 - The event included both online and offline activities, promoting tourism, agricultural sales, and insurance awareness, while enhancing visitor experience and encouraging spending in scenic areas [4][6] - The company aims to leverage financial support to boost local tourism and rural industries, emphasizing the importance of addressing consumer experience and industry innovation in the tourism sector [9] - The initiative reflects the company's commitment to using technology and insurance to create a multi-dimensional value chain that supports personal protection, industry empowerment, and rural revitalization [9]

Core Viewpoint - The article highlights the transformation of the insurance industry through the integration of technology and risk reduction strategies, particularly in the context of the Greater Bay Area's risk reduction collaborative innovation center [4][9][11]. Group 1: Technological Integration in Risk Management - The Greater Bay Area Risk Reduction Collaborative Innovation Center utilizes advanced technologies such as AI and laser radar to enhance construction site safety and risk management [4][6][8]. - The center has implemented an "AI three-level safety management" model, which includes real-time risk identification, remote intervention by experts, and on-site inspections for high-risk situations [7][12]. - In the past six months, the center has achieved over 3,700 AI warnings and 445 remote interventions, significantly improving risk management efficiency [7][12]. Group 2: Collaborative Efforts and Community Engagement - The center involves over 20 organizations, including universities and research institutions, to foster collaboration in risk management and safety governance [6][9]. - During the national "Safety Production Month," the company conducted various risk reduction activities across multiple regions, identifying and rectifying thousands of safety hazards [9][10]. Group 3: Shift in Insurance Paradigm - The insurance industry is transitioning from a traditional compensation model to a proactive risk reduction approach, aligning with national policies aimed at enhancing disaster prevention and mitigation [10][11]. - The integration of technology in risk management not only improves client experience but also strengthens societal risk governance, contributing to national security and stability [11][12]. Group 4: Future Outlook - The article anticipates a growing emphasis on a model characterized by "risk reduction, technology enhancement, service multiplication, and casualty reduction," positioning the Greater Bay Area as a leading example in this transformation [13].

Core Viewpoint - China Pacific Insurance Huizhou Branch is enhancing the lychee industry by providing comprehensive insurance coverage and innovative services to support farmers and promote rural revitalization [2][3][4]. Group 1: Insurance Coverage and Risk Management - The company aims to expand insurance coverage for lychee planting, targeting 27,800 acres by 2025, providing 83.4 million yuan in risk protection against disasters like typhoons and heavy rain [5][6]. - A rapid response mechanism for claims has been established, ensuring compensation payments are completed within three working days after damage assessment, with 56 claims processed this year totaling over 2.4 million yuan [8][9]. - The company has developed a risk management model that combines technology, disaster warnings, and farmer engagement to mitigate risks from extreme weather events [21][23]. Group 2: Technological Innovation and Quality Assurance - The company collaborates with local lychee associations to implement drone technology for pest control, increasing operational efficiency by over 300% compared to traditional methods [12][16]. - A food processing safety liability insurance has been introduced, integrating traceability technology to enhance consumer confidence in product safety [37][40]. Group 3: Support for Farmers and Market Expansion - The company has launched an accidental insurance product for lychee pickers, shifting focus from property to personal safety, thereby alleviating concerns for farmers and labor providers [26][34]. - To promote sales, the company is leveraging e-commerce platforms to connect fresh lychees with broader markets, while also engaging volunteers to assist in harvesting and marketing efforts [50][53][55]. - The company emphasizes that insurance serves not only as risk compensation but also as a catalyst for industry development, planning to deepen agricultural insurance service innovations [57][59].

Core Insights - The 2024 China Internet Insurance Consumer Insight Report indicates a significant shift towards online insurance purchasing, with online purchase rates rising from 73% in 2023 to 78% in 2024, while offline rates decreased from 85% to 79% [1] - The report highlights the increasing penetration of inclusive insurance across various demographics, with rising online purchase rates observed among different age groups, city tiers, and income levels [1] - The report emphasizes the importance of embracing digital transformation in the insurance industry, advocating for a new ecosystem that integrates insurance, technology, and services [1] Consumer Spending and Trends - Nearly 60% of consumers are expected to spend over 8,000 yuan annually on insurance in 2024, showing a significant increase compared to 2023 [2] - Over 76% of consumers plan to adjust their insurance configurations in the next two years, indicating a growing recognition of the importance of insurance [2] - The report notes that 60% of consumers intend to upgrade their existing insurance products, while approximately 57% are using insurance for wealth management [2] Industry Evaluation - The report has been positively received by industry leaders, with the China Insurance Society's president praising its in-depth analysis of internet consumers' characteristics and behaviors [3] - The report provides valuable insights into consumer needs and trends, which can guide the high-quality development of the internet insurance sector [3]