Core Viewpoint - The insurance industry is leveraging technology to enhance disaster prevention and risk management in response to the severe impacts of Typhoon "Hagupit" [1][4]. Group 1: Industry Response to Typhoon - Multiple insurance companies have implemented comprehensive measures to prepare for the typhoon, utilizing big data, AI, and IoT to strengthen risk management and disaster reduction systems [1][4]. - China Pacific Insurance has established a three-tiered resource supply system for rescue operations, deploying specialized resources 24 hours before the typhoon's landfall [3]. - China Life Insurance has coordinated across its various subsidiaries to deploy disaster prevention and emergency response plans, covering over 20 million people with early warning messages [2][4]. Group 2: Technological Empowerment - The insurance sector is increasingly adopting technology to improve disaster response capabilities, with a focus on digital upgrades and collaboration with meteorological agencies [4][6]. - The "Eagle Eye" system by Ping An Insurance provides precise warnings for vehicle flooding by integrating historical claims data with real-time information [5][6]. - The application of advanced technologies such as AI and big data is transforming risk prediction from experience-based to precise quantification, significantly reducing overall risk costs and insurance payout rates [6][7]. Group 3: Future Development Trends - The insurance industry's disaster reduction systems are expected to evolve towards greater intelligence, scenario-based approaches, and ecological integration [6][7]. - Future advancements in technology will enhance risk prediction models, allowing for more proactive and targeted disaster prevention measures [6][7]. - The ability to manage disaster risks will become a core competitive advantage for insurance companies, integrating deeply into national emergency management and social governance processes [6][7].

Group 1 - Typhoon "Butterfly" made landfall in Hainan on June 13, causing severe damage in Hainan, Guangdong, and Guangxi, including landslides and mudslides [1] - The insurance industries in Guangdong, Hainan, and Guangxi quickly activated emergency plans, utilizing technology to reduce risks and opening green channels for claims [3][4] - Insurance companies are shifting from traditional "post-disaster compensation" to "pre-disaster prevention," establishing a comprehensive protection system from warning to response and loss reduction [5] Group 2 - Technology such as AI, drones, and IoT is being widely applied in the insurance sector to enhance risk identification and loss reduction efficiency [4][5] - The rapid claims process has been highlighted, with instances of claims being paid out even before the storm subsided [6][7] - Specific claims examples include a payment of 1.43 million yuan to aquaculture farmers and 24,200 yuan for mango damage in Hainan [7][8] Group 3 - Timely reporting of claims is crucial for determining the relationship between the disaster and the insured losses, affecting the insurer's liability [8] - Agricultural insurance products that cover typhoon risks may not require immediate reporting, as insurers can assess claims based on investment information [8]