一方面，要在科技赋能上再深化，从"灾后精准赔"迈向"灾前智能防"。应持续推动"天空地一体化"数据 平台建设，融合气象、土壤、遥感等多源信息，建立更灵敏的灾害预警模型。通过大数据分析，提前预 判风险，引导农户科学防灾，并推动保险产品从事后补偿向事前风险管理转变。 长期以来，"散户多、地块散"是农险理赔的痛点。如今，科技正成为破题的关键。各地保险公司依 托"天空地一体化"农险查勘定损体系，通过遥感卫星、无人机航拍精准锁定受灾地块，结合人工核查实 现高效定损，大幅提升农险理赔的效率与科学性。热力图生成、数据实时分析、智能算法测算等技术， 不仅大幅提升了理赔效率，更以其客观公正性，为"精准理赔"奠定了坚实基础。以山东省无棣县种粮大 户张胜彬为例，连日降雨导致其种植的1700亩玉米地积水，预估损失超30万元，保险机构工作人员通过 卫星遥感结合无人机巡查，迅速完成了查勘工作。 与此同时，各地保险业加大人力物力投入，开通24小时理赔绿色通道，提升理赔效率。截至10月16日， 河南省秋粮保险已支付赔款11.5亿元，其中，预赔款占已支付赔款的80%，当前理赔进度超60%，赔款 迅速直达受灾农户手中。截至10月16日，青岛市秋粮 ...

Core Viewpoint - The application of drone surveying technology in agricultural insurance by Ping An Property & Casualty Insurance's Guangzhou branch marks a significant innovation in precision underwriting and claims processing in the agricultural insurance sector [2][3][5]. Group 1: Technology Implementation - The Guangzhou branch of Ping An Property & Casualty Insurance successfully completed a drone surveying project in Conghua District, which is the first of its kind in the area for agricultural insurance [2][5]. - The introduction of high-precision drone surveying technology aims to enhance the speed and accuracy of data collection, addressing long-standing issues in traditional agricultural insurance services [9][10]. Group 2: Strategic Goals - This initiative aligns with the national rural revitalization strategy and aims to promote high-quality development in agricultural insurance [7][19]. - The company is focused on upgrading the technological and intelligent levels of agricultural insurance services, creating a new service model unique to Ping An [8][19]. Group 3: Service Enhancement - The drone technology enables comprehensive mapping of various agricultural assets, including rice, vegetables, aquaculture, and fruits, covering all 128 townships in Conghua District [11][10]. - By utilizing advanced algorithms and AI image recognition, the technology allows for the visualization of agricultural resource distribution and facilitates accurate underwriting based on verified data [13][15]. Group 4: Future Outlook - Ping An Property & Casualty Insurance plans to continue exploring new models for precision in agricultural insurance, emphasizing the importance of digital transformation in the sector [17][19]. - The company aims to provide convenient and high-quality services to farmers through precise underwriting and claims processes, thereby contributing to the high-quality development of agricultural insurance in Guangzhou [19][20].

Core Viewpoint - The article highlights the proactive response of Ping An Property & Casualty Insurance during a severe rainstorm in Yongchun County, emphasizing their commitment to agricultural insurance and the integration of technology to enhance service efficiency and support rural revitalization [1][3][4]. Group 1: Emergency Response and Service Commitment - On May 28, Yongchun County experienced heavy rainfall exceeding 50mm, impacting rice planting during a critical period, prompting concerns among local farmers [1]. - The Ping An agricultural insurance team worked tirelessly for 9 hours, covering over 220 kilometers across 13 villages to complete on-site verification and insurance for over 10,000 acres of rice [1][3]. - By May 31, the team had provided risk coverage exceeding 30 million yuan for over 18,000 farmers, demonstrating their dedication to food security [1][4]. Group 2: Technological Empowerment in Agricultural Insurance - Traditional agricultural insurance often requires significant manpower, especially under adverse weather conditions, but Ping An has integrated advanced technology to improve efficiency and accuracy [3][4]. - During the rainstorm, the team utilized the "Ainongbao" app to access remote sensing data, enabling precise verification of land and farmer identities, thus enhancing service efficiency [3]. - Artificial intelligence was employed to analyze large datasets, helping to identify potential risks in farmland and optimize insurance plans for farmers [3][4]. Group 3: Value Creation and Rural Revitalization - The article emphasizes the importance of the rice planting period for annual yields, with farmers expressing relief at the timely support from Ping An [4][5]. - In addition to insurance services, the team provided guidance on disaster prevention and mitigation, educating farmers on disease prevention related to the rainstorm [5]. - Ping An's "insurance + technology" value-added services include monitoring agricultural conditions and providing weather alerts, which help improve crop yield and quality [5][6].