位于岭南地区的广东省茂名市拥有2000多年荔枝种植历史，年产量约占全国四分之一。作为服务地方特 色农业的重要金融力量，阳光财险积极发挥"风险减量+保险保障"作用，通过主动防灾、快速理赔和政 企协同，从生产到销售端全链条护航，以实际行动守护岭南的荔枝。 "防赔并举"保丰收 为最大程度地织牢果农保障网，今年6、7月份，在台风"蝴蝶""韦帕"登陆前夕，阳光财险广东分公司多 次组织理赔及风控团队赶赴茂名果园，与果农协同开展抢收。经验丰富的理赔人员与农户通力协作，争 分夺秒抢收成熟荔枝，全力降低后续灾害损失。 "幸亏有你们提前来帮忙，不然这波台风不知道要亏损多少呢！"果农感动地表示。现场也有理赔员笑 谈："阿叔，我摘的速度是不是都快赶上您了！"这一场场与台风赛跑的抢收，不仅是保险服务的延伸， 更筑实了企业与农户风险共担、守护丰收的深厚情谊。 守护不止于灾前抢收，台风过境后，面对茂名果农的受灾报案，阳光财险理赔员第一时间赶赴种植园进 行查勘，及时向农户支付赔款85.5万元，极大缓解了农户因灾致损的经济压力，充分发挥了农业保 险"稳定器"作用，助力灾后重建。 据了解，2025年，阳光财险广东分公司累计承保荔枝1946亩，为 ...

Core Insights - Recent heavy rainfall has led to significant agricultural damage, prompting discussions on the role of insurance in providing support to affected farmers [1] - The insurance industry is actively optimizing claims processes and utilizing technology for efficient damage assessment [2][3] Group 1: Current Compensation Situation - Financial regulatory authorities are guiding insurance companies to expedite damage assessments and claims processes during the critical flood prevention period [2] - In Inner Mongolia, insurance coverage for major crops has increased, with compensation amounts rising from 300-600 yuan per mu to 900-1200 yuan per mu, resulting in 389 million yuan paid to 147,300 farmers [2] - In Beijing, agricultural insurance claims have been significant, with 7085 reports filed and 191 claims paid as of August 11 [2] Group 2: Types of Insurance for Farmers - The implementation of the "Implementation Plan for High-Quality Development of Inclusive Finance in Banking and Insurance" encourages the development of various agricultural insurance products, including crop, housing, and machinery insurance [4] - Central government continues to subsidize insurance premiums for major agricultural products, while local governments are introducing region-specific insurance products [4] - New insurance products are being developed, such as agricultural machinery insurance and specialized coverage for farm-related liabilities [5] Group 3: Challenges and Recommendations - Despite the positive impact of agricultural insurance, issues like delayed payments and average compensation practices persist [6] - The application of new technologies like remote sensing and big data is being encouraged to improve efficiency and service levels in agricultural insurance [6][7] - Recommendations include establishing data-sharing mechanisms and clarifying the roles of government and insurance companies to ensure fair and precise claims processes [7]