齐鲁晚报˙齐鲁壹点记者 闫明 通讯员 张安文 刘目 崔光勋 "之前淡水鱼养殖没有保险保障，遭遇极端天气带来的损失只能自己扛。今年买了淡水鱼气象指数保 险，心理就有了底，受灾后能从中国人寿（601628）财险拿到赔款，有效降低了经营风险，现在终于能 踏踏实实地安心搞养殖了。真心为这个接地气的保险点赞！"山东省滕州市滨湖镇淡水鱼养殖大户、鑫 泽滨农业科技发展有限公司经理刘启超由衷地说。 刘启超扳着指头给记者算了一笔账，去年，他给自己养殖的2500亩淡水鱼投保了综合气象指数保险，个 人缴纳保费18万元，因高温天气出险后很快获得赔款37.5万元，在保住了养殖成本的基础上还略有节 余。刘启超幽默地总结道："这保险能保障我们养鱼特色产业年年有'余'。" "经与相关专家、养殖户反复沟通论证和测算,该保险的保障程度为每亩3000元，即使灾害造成淡水鱼全 部死亡，也可以解决养殖户的投入成本。2024年和2025年连续两个年度共承保7808亩，承担风险保障 2342.4万元。"中囯人寿财险枣庄市峄城支公司经理张雷伟说。 2024年和2025年，气象部门分别监测到峄城区底阁镇持续降雨量达理赔阈值，触发保险条款中"强降 雨"责任，公 ...

Core Viewpoint - The article highlights the development of a comprehensive insurance system for the chili pepper industry in Yanggu County, Shandong Province, aimed at mitigating risks associated with chili pepper cultivation and enhancing the economic stability of local farmers [1][5][16]. Group 1: Industry Overview - Yanggu County's chili pepper, known as "the first spicy pepper in northern China," benefits from a unique climate and fertile soil, contributing to its distinct quality [3]. - The region has a long history of chili pepper cultivation, dating back over 300 years, with a rich cultural heritage surrounding its production [3]. Group 2: Insurance Development - In response to the risks faced by chili pepper farmers, China Life Insurance has established a specialized insurance service team to develop tailored insurance products for the chili pepper industry [5][14]. - The insurance products include commercial chili planting insurance that covers various natural disasters and pest outbreaks, providing compensation based on different growth stages of the chili plants [8][9]. Group 3: Risk Management - The insurance model combines weather index insurance and pest index insurance, utilizing satellite monitoring to trigger automatic claims when specific weather thresholds are exceeded [9]. - The cost of insurance is set at 78.75 yuan per acre, offering risk coverage of 1,500 yuan, which helps farmers manage their investment costs effectively [9]. Group 4: Comprehensive Support Services - The insurance offerings have expanded to include processing and storage insurance, covering risks such as equipment failure and product spoilage, thereby supporting the entire chili pepper supply chain [14]. - Additionally, employer liability insurance has been introduced to protect workers and mitigate operational risks for cooperatives [14]. Group 5: Brand Protection and Market Challenges - To combat brand infringement issues, China Life Insurance has launched a geographical indication infringement loss insurance, helping chili producers manage intellectual property risks [13]. - The company is also working on developing food safety liability insurance and product quality assurance insurance to further support the chili pepper industry [16].

Core Viewpoint - The article highlights the establishment of a comprehensive cherry insurance system in Guancheng County, Shandong Province, by China Life Property & Casualty Insurance, aimed at mitigating agricultural risks and supporting the development of the cherry industry [1][5][20]. Group 1: Insurance Product Overview - China Life Property & Casualty Insurance has created a cherry (tree) planting insurance that covers both cherry trees and fruits, providing compensation for losses due to various natural disasters [7][15]. - The insurance premium is set at 200 yuan per mu, with the county government covering 60% and farmers covering 40%, offering a maximum coverage amount of 6,000 yuan per mu [7][9]. - The insurance product has been enhanced to include a "tree insurance" component in addition to the existing "fruit insurance," reflecting a shift from post-disaster compensation to proactive risk management [5][9]. Group 2: Impact on Local Agriculture - The cherry planting area in Guancheng County has expanded to over 30,000 mu, making it the largest early-ripening cherry cultivation base in China, but has faced significant challenges from natural disasters from 2020 to 2023 [5][18]. - The introduction of the cherry insurance has led to a significant reduction in disaster losses for participating farmers, with over 97,000 yuan paid out in claims last year [9][20]. - The insurance scheme has encouraged nearly 7,000 mu of outdoor cherries to be insured, providing a safety net for local farmers [9][20]. Group 3: Financial and Government Support - The Guancheng County government has implemented a financial subsidy mechanism, contributing 144,000 yuan to the cherry insurance system, which has helped leverage social capital and promote proactive insurance uptake among farmers [18][20]. - The collaboration between various government departments and China Life Property & Casualty Insurance has created a multi-layered risk management system that integrates government support, market operations, and technological backing [16][18]. - The insurance initiative has resulted in a 40% increase in the scale of cherry seedling production, enhancing the overall stability and confidence in the cherry industry [16][18]. Group 4: Future Developments - In addition to cherry planting insurance, a new cherry seedling insurance product has been introduced to cover the entire lifecycle of cherry production, addressing risks from seedling cultivation to planting [11][15]. - The cherry seedling insurance covers 13 types of high-frequency risks, significantly increasing the risk coverage compared to traditional insurance products [15][20]. - The comprehensive insurance framework aims to ensure the sustainable development of the cherry industry in Guancheng County, with a total risk coverage of 60.11 million yuan [20].

Core Viewpoint - The article highlights the collaboration between the government of Linyi County, Shandong Province, and various insurance companies to establish a multi-layered agricultural insurance system, particularly focusing on vegetable industry insurance to support farmers and promote rural revitalization [1][4]. Group 1: Agricultural Insurance Development - The central government has emphasized the need to improve the agricultural insurance system, particularly for specialty agricultural products, as outlined in the 2025 Central No. 1 Document [1]. - Linyi County has developed a "vegetable target income insurance" model, which enhances farmers' income security against market price fluctuations and natural disasters [4][10]. - The insurance model has been in place for ten years, covering various vegetables such as garlic, chili, cucumber, and potato, ensuring farmers receive compensation when market prices fall below target levels [4][10]. Group 2: Financial Mechanism and Support - The vegetable target income insurance is funded with 60% of the premium covered by provincial, municipal, and county-level finances, while farmers only pay 40% [10]. - The insurance compensates farmers for income losses due to price drops or reduced yields, with a specific example showing a target income of 3,600 yuan per mu (approximately 0.067 hectares) [10]. - The total area insured for garlic and garlic sprouts has reached 283,600 mu, providing risk coverage of 567 million yuan for over 30,000 farmers [12][13]. Group 3: Impact on Farmers - Farmers express increased confidence in their vegetable production due to the dual insurance mechanism that protects both yield and price [5][12]. - The insurance scheme has led to a significant increase in participation, with expectations to cover around 760,000 mu of vegetable income insurance, mitigating production risks of approximately 1.15 billion yuan [13]. - The collaboration between government and insurance companies has effectively utilized financial resources to stabilize the agricultural sector and enhance farmers' income security [13].

Core Viewpoint - The implementation of the agricultural catastrophe weather index insurance in Tian Deng County, Guangxi, aims to provide financial protection against losses caused by drought and heavy rainfall, with a total risk coverage of 6 million yuan for 13 townships [1][2]. Group 1: Insurance Product Development - China Life Property & Casualty Insurance Guangxi Branch has developed a local government-subsidized agricultural catastrophe weather index insurance to address the challenges posed by natural disasters on grain production in Tian Deng County [2]. - This innovative insurance product utilizes weather indices based on meteorological factors such as temperature and precipitation to determine compensation for disaster losses, moving away from traditional crop-specific insurance [2]. Group 2: Benefits and Features - The weather index insurance offers a transparent and objective basis for claims, relying on authoritative meteorological data, which simplifies the claims process and speeds up compensation [2]. - In the event of agricultural meteorological disasters like heavy rainfall or drought, the insurance automatically triggers compensation for related agricultural disaster relief and recovery costs as per the insurance contract [2]. Group 3: Future Plans - The company plans to continue innovating and promoting local policy-oriented agricultural insurance products, enhancing service quality, and meeting the diverse insurance needs of agricultural production [3]. - The focus will be on accumulating underwriting experience and playing a stabilizing role in supporting rural revitalization efforts [3].