下一步，中华财险云浮中心支公司将持续加强地方特色农业保险的宣传力度，进一步提升农户参保积极性，切实把农 业保险打造成惠及千家万户的"惠农工程"，以保险力量保障地方特色产业发展，为云浮南药产业高质量发展注入强劲 动力。 银行频道更多独家策划、专家专栏，免费查阅>> 责任编辑：钟离 图为岭南中药材种子种苗繁育基地 12月31日，在云浮市农业农村局、云城区农业农村和水务局、云城区前锋镇人民政府的支持与指导下，中华财险云浮 中心支公司成功落地云浮市首单地方财政补贴性南药种植保险，为云城区前锋镇1000亩南药提供400万元风险保障。 据悉，岭南中药材种子种苗繁育基地位于云城区前锋镇，南药作为当地特色优势产业，虽具备较高经济价值和市场潜 力，但种植过程中易受自然灾害、极端天气、土壤适配性不足引发的病虫害等风险影响，一旦风险发生，将直接导致 种植户经济损失，制约产业稳定发展。 为推动特色南药保险落地见效，中华财险云浮中心支公司主动作为，在前锋镇人民政府牵头召开特色南药保险专题研 讨会，深入当地农业龙头企业及南药种植户开展实地调研，精准掌握产业风险痛点与种植户保障需求，为保险产品落 地筑牢基础。2025年12月，公司正式促成 ...

在财政补贴方面，兵团对小麦、大豆种植主体分别给予每亩230元、300元补贴，实施每吨籽棉18600元 目标价格补贴政策，落实《促进兵团畜牧业稳定发展若干政策措施》，累计发放畜牧业补贴资金3.6亿 元，将设施农业纳入国家贷款贴息试点范围。 在主体培育方面，兵团积极组织开展以农机操作、种植数字化等为主题的高素质职工培训，推动传统种 植户向技术能手转型。 在加强风险保障方面，兵团农业保险已覆盖7种农作物及肉羊等，南疆特色林果保险覆盖率达92%，并 为脱贫人口提供最高10万元的小额信贷贴息，助力其实现稳定增收。 本报乌鲁木齐讯（全媒体记者 兰玲玲 孙永杰） 岁末年初，三师五十四团油莎豆现代农业产业园内，各 企业进入生产销售旺季。近年来，兵团从政策、技术等方面支持油莎豆产业创新平台建设，积极落实农 机购置补贴等各项惠民政策，推进油莎豆产业机械化、标准化、规模化发展，带动上千名职工群众稳定 增收。 产业高质量发展与就业增收，离不开系统性政策保障。近年来，兵团全面落实25项财政强农惠农富农政 策，结合南疆师市农业发展实际，从产业扶持、财政补贴、主体培育、风险保障等多方面发力，推动南 疆师市超10万个就业岗位与农业产业深度绑 ...

据介绍，2024年末，河南省保险深度与保险密度分别为4.25%和2761.43元/人，保险密度较"十三五"末增 长9.49%。今年以来，河南省原保险保费收入2705.86亿元、赔付支出1121.06亿元，居中部首位，为社 会提供风险保额302.49万亿元，较2020年翻了近一番。人身险公司退保率连续四年下降；产险公司综合 费用率较"十三五"末下降14.58个百分点，综合赔付率较"十三五"末上升9.69个百分点。农业保险"十四 五"以来累计支付赔款345.74亿元，较"十三五"增加约170%。 北京商报讯（记者 李秀梅）12月31日，河南金融监管局表示，河南银行业保险业"十四五"期间服务实 体经济成效显著。 ...

要持续在"精准"二字上下功夫，因地制宜创新地方优势特色农产品保险 陕西延安苹果种植已有80多年历史，苹果产业成为当地覆盖面最广、从业人数最多、联农带农效果最佳 的乡村特色产业。在吴起县等地采访时，不少果农说起，今年种苹果有了"新"保险，这让他们心里更有 底。 农户说的"新"保险，是今年吴起、洛川两县试点的苹果花期气象指数保险，为超2万亩果园增添了风险 保障。这个保险有啥好？农户说，苹果花期撞上倒春寒，要是花受了冻，不只当年歉收，养护不及时， 来年还受影响。传统苹果保险多在收获季测产理赔，而"新"保险根据花期最低温度及时理赔，农户能用 这笔钱尽快采取补救措施。不只如此，指数保险查勘定损的资金人力成本也大大降低，保险公司得以加 大投入帮果农防灾减损，护苗增产更有谱。 粮食安全是"国之大者"。保障农业增产、农民增收，农业保险功能价值日益凸显。"十五五"规划建议提 出，"健全财政优先保障、金融重点倾斜、社会积极参与的多元投入格局，确保乡村振兴投入力度不断 增强。保护和调动农民务农种粮积极性，强化价格、补贴、保险等政策支持和协同。"如何进一步织密 织牢农险"保障网"、不断提升服务效能，成为加快农业农村现代化，扎实推进乡 ...

12月2日，全国首单商业性小麦出苗率保险在河南省周口淮阳区、安阳滑县、新乡延津县等5个小麦主产 县区同步落地。该险种突破传统农险"重灾后、轻苗期"的局限，将保障关口前移至播种出苗阶段，专门 针对晚播小麦设计，提供"出苗率不达标"即赔的保险保障，缓解了农户对"出苗难、保苗贵"的焦虑，有 助于稳定播种面积与生产预期。 河南小麦产量占全国四分之一，是全国粮食安全的"压舱石"。在中国农业大学举办的第三届中国农业风 险管理研究会农业保险分会年会上，中国农业风险管理研究会会长张红宇表示，为应对复杂多变的自然 灾害风险，以及全球经济动荡带来的不确定性，亟需进一步加快推进农业保险高质量发展，实现由保险 大国向保险强国的跨越。"高质量的核心体现在保障范围更加精准，能够有效覆盖自然、市场、社会等 多重风险；体现在服务流程更加高效便捷，能够实现从灾前预防到灾后赔付的全程管理；更体现在发展 成果的普遍共享，塑造遵循商业规律，实现自我造血的经营模式，使农业保险机构、保险事业具有长久 生命力。"张红宇说。 稳定种植信心 我国农业保险体量大、增速快、服务农户众多，规模已跃居世界前列。数据显示，农业保险2024年为 1.5亿户次农户提供保险 ...

Core Viewpoint - The company has effectively enhanced agricultural insurance services, focusing on innovation and technology to provide timely support and compensation to farmers affected by disasters [1][2]. Group 1: Agricultural Insurance Development - The company has strengthened its agricultural insurance product innovation, expanding coverage and increasing the variety of products offered, including specialized insurance for rice and freshwater aquaculture [1]. - The establishment of "Precision Insurance and Claim Demonstration Bases" aims to improve the quality and efficiency of insurance services through an information technology system [1]. Group 2: Technological Integration - The company utilizes advanced technologies such as satellite remote sensing and AI image recognition to accurately identify and assess insured agricultural assets, ensuring targeted and effective insurance solutions [2]. - The implementation of drone technology for aerial surveys of affected farmland enhances the efficiency of damage assessment, allowing for quicker compensation to farmers [2]. - The "Yun Zhi Bao" platform integrates various data sources, creating a comprehensive inspection network that improves the accuracy of damage assessments to over 90% [2]. Group 3: Service Enhancement - The company plans to increase the coverage of comprehensive cost insurance for rice and develop customized insurance products for new agricultural business entities [2]. - Initiatives like "Three Rural Service Stations" and mobile service vehicles aim to improve access to insurance services for farmers, ensuring that policies benefit every farmer [2].

Core Insights - The article highlights the effectiveness of the agricultural insurance system in mitigating risks for farmers, particularly in the face of natural disasters and market fluctuations [1][2][5] Group 1: Agricultural Insurance System - The agricultural insurance system has been enhanced to provide comprehensive coverage and efficient service, offering a safety net for farmers [1][2] - As of Q3 2025, the policy-based agricultural insurance premium scale reached 121 million yuan, with government subsidies accounting for nearly 80% [2] - The insurance has provided risk protection amounting to 3.94 billion yuan for 49,000 farming households, with a year-on-year increase in coverage level of 2.68% [2] Group 2: Innovative Insurance Products - New insurance products have been developed to meet the specific needs of farmers, such as the meteorological index insurance for wheat and rice, which provides timely compensation based on objective weather data [3] - The wheat meteorological index insurance has covered 235,800 acres, providing 87.37 million yuan in risk protection, while the rice insurance has covered 44,600 acres with 14.28 million yuan in protection [3] - The introduction of commercial agricultural insurance products aims to reduce operational risks for farmers, particularly during critical harvesting periods [3] Group 3: Service Improvement and Technology Integration - The agricultural insurance service has been upgraded to ensure quick response and efficient claims processing, with a focus on using technology such as drones for damage assessment [4] - By the end of Q3, the total compensation paid out by the agricultural insurance reached 80.71 million yuan, benefiting 5,800 farming households [4] - The integration of technology has improved the efficiency and accuracy of underwriting, damage assessment, and claims processing, ensuring timely and adequate compensation for farmers [4]

Core Viewpoint - China Life Property & Casualty Insurance Shandong Branch has effectively supported local farmers by expediting disaster compensation payments, totaling 144 million yuan for autumn grain losses, which is 37 days earlier than last year [1][2]. Group 1: Compensation and Support - As of November 11, the company has completed compensation payments of 144 million yuan and prepayments of 26.8 million yuan to 145,800 autumn grain farmers in Shandong Province [1]. - The company aims to ensure that compensation payments are made within 10 days once the assessment and agreement on the compensation amount are completed, which is nearly 40 working days faster than previous years [2]. Group 2: Disaster Response and Management - The company has established over 100 disaster relief and assessment teams across key insured counties in Shandong, optimizing the claims process and utilizing an integrated disaster prevention platform for real-time monitoring of crop conditions [2]. - Advanced technologies such as drones and satellite remote sensing are employed for precise damage assessment in affected areas, enhancing the efficiency and accuracy of claims processing [2]. Group 3: Future Plans and Innovations - The company plans to continue innovating and improving its service system and insurance solutions, positioning agricultural insurance as a crucial tool for disaster response and a stabilizer for increasing production and income [2].

Core Viewpoint - China Life Property & Casualty Insurance Co., Ltd. focuses on agricultural risk prevention, establishing a multi-level agricultural insurance system, shifting services from "post-disaster compensation" to "pre-disaster prevention," and enhancing technological empowerment and product innovation to support national food security and rural revitalization strategies [1] Group 1: Agricultural Insurance Initiatives - The company has launched an emergency response mechanism for agricultural insurance in Jiangxi Province, focusing on drought and ensuring autumn grain harvests as a priority task [2] - In Shandong Province, the company mobilized staff to assist farmers in water drainage and harvesting during the Mid-Autumn Festival and National Day holidays, providing timely support to mitigate losses [3] - Customized services are implemented based on regional agricultural characteristics, such as innovative insurance products for peanuts and corn in Jiangsu Province, providing 11.24 million yuan in risk protection for 192 farmers [3][4] Group 2: Technological Integration in Services - The company utilizes satellite remote sensing technology for disaster loss assessment, enhancing efficiency in claims processing through "drone inspections + app assessments" [5][6] - A comprehensive monitoring network has been established, combining real-time weather monitoring and field inspections to identify and address agricultural risks promptly [6] Group 3: Risk Coverage and Financial Support - By the third quarter of 2025, the company insured over 10 million acres of major crops such as rice, wheat, and corn, providing risk coverage exceeding 100 billion yuan, stabilizing grain income expectations [7]

Core Insights - China Life Property & Casualty Insurance has provided nearly 26 million yuan in compensation for marine aquaculture insurance claims due to Typhoon "Maitang" in Fangchenggang City, Guangxi [1][3] Group 1: Compensation Ceremony - The compensation ceremony was attended by leaders from various departments including the Guangxi Zhuang Autonomous Region's Finance and Agriculture Rural Affairs Departments, as well as representatives from affected aquaculture businesses [1][3] - During the ceremony, leaders presented compensation checks to affected aquaculture enterprises and farmers, highlighting the collaborative effort in disaster recovery [3] Group 2: Agricultural Insurance Role - The compensation and subsequent home visits to affected farmers demonstrate the stabilizing role of agricultural insurance in mitigating disaster losses [3] - China Life Property & Casualty Insurance plans to continue optimizing agricultural insurance services and innovate protection schemes tailored to local aquaculture characteristics [3] - The initiative aims to provide assurance to farmers facing natural disasters, thereby supporting the agricultural industry and rural revitalization in Fangchenggang City [3]