赔付款的及时足额到账，如同农牧民的生产生活的"定心丸"，确保他们即使遭受灾害，也有足够的资金 来购买种子、化肥、饲料等，进行恢复生产，不至于让生活陷入困境，直接促进了农牧业的增产和农牧 民的增收。同时，当农牧民有了生产保障后，他们就会愿意加大投入。比如，他们可以放心地引进优良 品种、采用更先进的种植、养殖技术，并扩大生产规模。 ■田耿文 实际上，人保财险并非简单地将其他地区的保险模式照搬到西藏，而是针对当地特殊的产业结构和风险 特点，因地制宜开发了极具地方特色的保险产品，并提供更具针对性的金融服务。如针对高原特色畜牧 业，人保财险推出的产品有效应对了雪灾、野兽侵袭等风险，保障了牧民的核心资产；再比如，人保财 险为农户提供的青稞保险，为种植户提供了核心保障，助其稳产增收。 在西藏，保险正逐渐成为农牧民发展生产的"定心丸"。 在西藏，保险早已超越了单纯的商业属性。人保财险通过其专业能力，为高原农牧业的现代化发展装上 了"安全阀"，推动当地经济社会高质量发展。 人保财险通过在当地推广政策性农业保险，将农牧民无法承受的自然灾害风险，通过市场化机制进行转 移和分散。当灾害发生时，保险公司能够及时、足额地进行赔付，直接弥 ...

齐鲁晚报˙齐鲁壹点记者闫明 通讯员崔广勋 当前正值秋收的关键时期，连续多日的阴雨天气给山东省丰收在望的秋粮收获增加了困难和风险因素。 中国人寿财险山东省分公司及各级分支机构多措并举，全力以赴为秋收提供多方面的支持服务和风险保 障，受到广大农民群众的称赞。 提高保障程度，护航秋粮增收。作为山东省政策性农业保险的主要承保公司，今年中国人寿财险山东省 分公司各级机构共承保政策性玉米、水稻、大豆、花生等秋粮作物 684万亩，累计承担灾害损失保障61 亿元。中国人寿财险聊城市阳谷支公司在县财政的鼎力支持下，还将承保区域内的21.6万亩政策性玉米 完全成本保险升级为政策性玉米收入保险，使保障程度在2.05亿元的基础上又提高了1080万元。针对近 年来种植成本提高，政策性秋粮作物保险保障额度不能全部涵盖种植成本、甚至与实际市场价值有较大 差距的情况，今年公司先后推出秋粮收获期降雨指数保险、收入补充保险、产量保险等系列商业性附加 保险产品，在政策性和商业性保险总保额不高于市场价值的前提下，由农户自行选择合适的商业保险投 保，弥补了政策性保险与农户对实际收入预期的差距。中国人寿财险山东省分公司农村业务部负责人李 宝桐告诉记者： ...

Core Insights - The launch of the tropical excellent fruit comprehensive insurance policy marks a significant step in supporting the agricultural sector in Sanya, Hainan, enhancing risk management for local farmers [1][2] Group 1: Insurance Details - China Pacific Insurance (CPIC) has issued a comprehensive insurance policy for tropical excellent fruits, with Sanya Yiyuan Fruit Ecological Agriculture Co., Ltd. as the insured party, covering 360 acres of papaya and providing over 2.6 million yuan in risk protection [1] - The insurance covers common damage risks such as wind disasters, heavy rain, and leaf diseases, making it the first policy of its kind in Hainan [1][2] Group 2: Agricultural Development - The "Zhongre No. 1" papaya, which is highly resistant to diseases, is part of a promotion by the Sanya Agricultural and Rural Bureau and the Sanya Papaya Association [2] - The new insurance type is part of Sanya's 2025 policy to enhance agricultural insurance, covering five main tropical fruit varieties: papaya, wax apple, dragon fruit, passion fruit, and pineapple [2] - The introduction of this insurance is expected to boost farmers' confidence in expanding production scale and enhance their ability to withstand natural disasters [2] Group 3: Government Support - The launch of the tropical excellent fruit comprehensive insurance reflects the Sanya government's increased support for the agricultural industry, establishing a risk protection barrier for the high-quality development of the tropical fruit sector [2]

Core Points - The investigation revealed fraudulent activities related to agricultural insurance in a village in Hubei Province, where local officials exploited the system for personal gain [1][2] - Two village officials, Lei and Wu, were found to have falsely insured 3,083 acres of rice under the names of local villagers, resulting in the misappropriation of 96,500 yuan in insurance claims [2] - The investigation highlighted the need for stricter oversight and accountability in the implementation of agricultural insurance policies to prevent corruption and protect farmers' interests [2] Summary by Sections - **Fraudulent Activities**: Local villagers reported discrepancies in the agricultural insurance claims, leading to an investigation that uncovered that Lei and Wu had used villagers' accounts to claim insurance without their consent [1][2] - **Financial Misappropriation**: The total amount fraudulently claimed was 96,500 yuan, with 22,500 yuan remaining after deducting insurance premiums, which was misappropriated by the officials [2] - **Consequences and Recommendations**: The involved officials received severe disciplinary actions, and the incident underscored the importance of monitoring agricultural insurance to ensure it serves its intended purpose of supporting farmers [2]

Core Insights - The potential of the crayfish industry in Qianjiang, Hubei Province, has been highlighted, with a comprehensive industrial chain established over 20 years, achieving a total industrial output value exceeding 87 billion yuan [1] - The local government has implemented a policy-oriented insurance scheme for crayfish farmers to enhance their resilience against natural disasters and diseases, which has been in place since 2014 [1][2] - The Qianjiang Discipline Inspection and Supervision Commission is actively monitoring the insurance scheme to prevent corruption and ensure proper implementation, having identified and investigated 37 issues related to the insurance program [2] Group 1 - The crayfish industry in Qianjiang has developed into a full industrial chain, including breeding, ecological farming, processing, and culinary sectors, with a total output value surpassing 87 billion yuan [1] - The local government has introduced a policy-oriented insurance program for crayfish farmers, utilizing a model that combines farmers, government funding, and insurance to provide premium subsidies [1][2] - The Qianjiang Discipline Inspection and Supervision Commission is focusing on key areas of the insurance scheme, including underwriting and claims, to address issues of fraud and corruption [2] Group 2 - The use of big data by the Qianjiang Discipline Inspection and Supervision Commission has led to the identification of anomalies in insurance claims and beneficiaries, prompting further investigation [2] - Investigations revealed that some village officials colluded with insurance company employees to fraudulently obtain funds through inflated claims [2] - The commission has taken action against 20 party members for misconduct related to the insurance scheme and is working to improve regulatory frameworks and transparency in the insurance process [2]

Core Insights - Inner Mongolia is a crucial agricultural region in China, contributing one-third of the national milk production and playing a significant role in the country's livestock industry [1] - The central government's 2025 policy emphasizes the need to support the beef and dairy industries, aiming to stabilize production capacity and alleviate operational pressures on farmers [1] Group 1: Dairy Industry Support Measures - The Inner Mongolia Finance Department, in collaboration with the Agriculture and Animal Husbandry Department and the Financial Regulatory Bureau, has optimized the policy for dairy cow insurance by adding new coverage options, enhancing the insurance framework to meet diverse needs of dairy farmers [2] - The new insurance coverage options include additional tiers of 3000, 4000, 5000, and 12000 yuan, expanding choices for farmers and stabilizing their income expectations [2] Group 2: Price Risk Protection Initiatives - The municipalities of Hulunbuir and Xingan League are key dairy production areas, where a pilot program for fresh milk price index insurance has been implemented with financial support from local governments [3] - In 2025, the target for fresh milk insurance coverage in these areas is set at 119,300 tons, with a financial subsidy of 10.46 million yuan from the regional government, providing an estimated insurance risk coverage of 388 million yuan for dairy farmers [3] - The Finance Department plans to enhance the synergy between agricultural insurance policies and dairy revitalization efforts, aiming to strengthen the risk protection framework for this vital agricultural sector [3]

Core Viewpoint - Beijing has revised its policy agricultural insurance terms for 2025, enhancing coverage, optimizing rates, and strengthening supervision to support the agricultural insurance sector in the city [1][7]. Group 1: Insurance Coverage - The revised terms introduce a total of 48 insurance types, including 30 for crop production (grains, vegetables, fruits), 13 for livestock (dairy cows, sows, aquaculture, poultry, beekeeping), and 4 for agricultural property (greenhouses, fruit trees, machinery) [2][4]. - The insurance covers risks such as hail, strong winds, heavy rain, severe drought, animal diseases, and accidents [2]. Group 2: Financial Impact - From 2007 to 2024, the total premium income from policy agricultural insurance in Beijing reached 9.34 billion yuan, with total insurance coverage amounting to 210.41 billion yuan [2]. - The number of insured entities reached 2.399 million, with total compensation payments of 7.72 billion yuan benefiting 1.842 million households, resulting in a simple compensation rate of 82.7% [2]. Group 3: New Insurance Options - The revision includes new insurance options for staple crops like wheat, corn, rice, and soybeans, allowing farmers to choose between traditional crop insurance, full cost insurance, and income insurance [3]. - For example, the new corn full cost insurance offers a coverage of 950 yuan per mu, doubling the previous coverage of 550 yuan for traditional corn planting insurance [3]. Group 4: Claims Process Improvements - The revised terms clarify claims requirements, enhancing the accuracy of certain weather index insurances and establishing a 24-hour response time for claims [5]. - The threshold for compensation for vegetable frost damage has been adjusted from a 50% loss requirement to a calculation based on actual losses [5]. Group 5: Accessibility and Support - All 13 agricultural districts in Beijing will benefit from standardized and unified insurance policies, allowing farmers to choose from basic, full cost, or income insurance based on their needs [6]. - The city has selected six insurance companies to provide policy agricultural insurance, emphasizing rapid response and claims processing in the event of disasters [6].

Group 1 - The core viewpoint of the article highlights the establishment of a new policy agricultural insurance co-insurance consortium in Zhejiang Province, which aims to enhance agricultural insurance services and support farmers [2][4]. - The first insurance policy under this new consortium was issued for 217.1 acres of early rice in Wenzhou, marking a significant step in the implementation of agricultural insurance in the region [1][2]. - The early rice comprehensive cost insurance provides a coverage amount of 1,200 yuan per acre, with substantial subsidies from central, provincial, and county governments, resulting in farmers only needing to pay approximately 1 yuan per acre [3]. Group 2 - The co-insurance model, initiated in 2004, involves multiple insurance companies working together under a unified management mechanism, which has been crucial for the high-quality development of agricultural insurance in Zhejiang [2]. - The insurance companies in Wenzhou, including PICC, Taiping, China Life, and Ping An, have quickly adapted to the new consortium's operational requirements, ensuring a smooth transition from the previous insurance model [2]. - The use of technology, such as drone surveying and the "e-agriculture insurance" app, has significantly increased operational efficiency, allowing for a threefold increase in daily processing capacity compared to traditional methods [4].