为落实国家金融监督管理总局相关试点要求，推动农险向"精准化、数字化、规范化"转型，中华财险江苏分公司在徐州睢宁组建联合工作组，开展农业保险 地块基础信息采集与建库工作。工作组依托遥感影像解译、实地勘查等技术，整合多源数据，将地块信息精准落图至最小权属单元，实现结构化、数字化管 理，筑牢精准承保理赔数据底座。同时，在南通市如东县试点推进小麦保险线上承保公示，通过官方微信公众号公示关键信息，主动接受监督，确保承保公 开合规。 央视网消息 立春前后，江苏小麦进入返青起身关键期，当前亦是2026年度小麦农业保险承保攻坚期。中华财险江苏分公司紧扣农时、锚定定位，以守护粮 食安全、助力农户增收为己任，统筹辖内各中支协同发力，融合科技赋能、农技支撑、政策宣讲与队伍建设，全方位推进春季小麦承保工作。 科技赋能提质效 精准承保强根基 农技护航暖田间 服务农户零距离 立足春季小麦田管关键节点，针对去年秋播受连阴雨影响部分小麦苗情偏弱情况，盐城中支率先行动，联合盐城市农科院专家团队深入田间地头，开展小麦 保前巡查工作，将农技服务与农险保障送到农户身边。巡查过程中，农业专家俯身拨开麦苗，仔细查看根系发育状况与分蘖数量，与种植户亲切交 ...

Core Viewpoint - The article emphasizes the importance of innovative agricultural insurance tailored to local needs, particularly focusing on the introduction of new insurance products like the apple flowering period meteorological index insurance in Shaanxi province, which enhances risk management for farmers [1][2]. Group 1: Agricultural Insurance Innovations - The introduction of the apple flowering period meteorological index insurance in Wuqi and Luochuan counties provides risk coverage for over 20,000 acres of orchards, allowing farmers to receive timely compensation based on minimum temperature during the flowering period [1]. - The agricultural insurance policies, including comprehensive cost insurance and planting income insurance, are being implemented to expand coverage and improve quality, addressing farmers' needs and pain points [2]. - The "insurance + futures" model is being utilized to ensure more predictable income for farmers, enhancing their motivation to engage in agricultural production [2]. Group 2: Enhancing Service Efficiency - The importance of precise claims processing and timely compensation is highlighted as a key measure of agricultural insurance service quality, with a focus on the need for technological advancements and data sharing to improve underwriting and claims efficiency [3]. - The article notes that innovative insurance products, such as the apple flowering period meteorological index insurance, are well-received by farmers as they cater to local agricultural characteristics and production needs [3]. - The insurance industry is encouraged to develop customized property and liability insurance products to better support agricultural production and risk management [3]. Group 3: Addressing Extreme Weather Risks - The article points out that agriculture is significantly affected by extreme weather and disasters, placing a heavy burden on the insurance industry for claims [4]. - There is a call for improved fiscal support mechanisms for agricultural insurance to enhance disaster risk management and the industry's capacity to respond to major risks [4].

Core Insights - The article highlights the completion of China's first crop (rice) seed insurance payout by Taiping Property Insurance, amounting to approximately 757,900 yuan, reflecting the shift in agricultural insurance from traditional cost and yield protection to quality and key process protection [1] - The development of agricultural insurance is increasingly vital for ensuring national food security, promoting modern agricultural development, and supporting rural revitalization [2] Group 1: Agricultural Insurance Development - Agricultural insurance has provided coverage for 800 million farming households during the 14th Five-Year Plan period, with the average insurance amount per mu increasing by 72% [2] - The insurance sector is expanding its product offerings, including weather index insurance, price insurance, and high-standard farmland insurance, to create a diversified product system covering the entire agricultural value chain [2][3] Group 2: Innovation in Insurance Products - Taiping Property Insurance has introduced a seed insurance product focused on "rice seed setting rate" as a core compensation indicator, addressing the high risks in the seed production process, especially under extreme weather conditions [3] - In 2024, Taiping Property Insurance plans to cover complete cost insurance and planting income insurance for rice, wheat, and corn, providing risk coverage of 321 billion yuan for over 31 million farming households [3] Group 3: Challenges and Future Directions - Current agricultural insurance faces challenges such as product homogeneity and inadequate precision in risk management for diverse agricultural operations [4][5] - Experts suggest that future agricultural insurance should focus on precision, aligning products with industry needs and enhancing the accuracy of underwriting and claims processes [6][7] Group 4: Technological Empowerment - The use of big data analytics is recommended to create targeted insurance products and improve risk assessment, enabling a more personalized approach to insurance coverage [7] - The insurance industry is encouraged to expand the range of agricultural insurance products and explore innovative options like meteorological index insurance and price insurance to meet diverse regional needs [7]