Core Viewpoint - The company has taken proactive measures to support farmers in Dezhou amid adverse weather conditions, ensuring their agricultural production and financial stability through various initiatives and innovative insurance products [1][3][12]. Emergency Response - The company established a leadership group for disaster claims and a unified emergency response system, enabling coordinated efforts across all levels [3]. - A dedicated hotline (95585) was set up for farmers to seek assistance, with a specialized team conducting damage assessments across 1,840 villages, covering approximately 140.8 million mu of affected farmland, achieving over 99% completion in damage assessment [3][12]. Disaster Prevention and Mitigation - The company implemented a multi-channel communication strategy to provide timely weather updates and disaster prevention guidance to farmers, collaborating with local meteorological authorities [5]. - It organized training sessions and disseminated technical advice to help farmers mitigate losses, while promoting drying services to prevent post-harvest losses [5]. Material Support - The company procured and distributed emergency equipment, such as water pumps, to assist farmers in managing waterlogging and drainage issues, deploying 90 pumps across nine districts by the end of September [7]. Innovative Insurance Products - The company developed a range of specialized insurance products tailored to the needs of farmers, including various weather and crop quality insurances, which have seen significant uptake, covering 21.37 million mu and providing 1.55 billion yuan in risk protection [9]. Technological Integration - The company integrated advanced technologies, including satellite remote sensing and drone platforms, to enhance the efficiency of disaster assessments and claims processing, ensuring timely compensation for farmers [12].

Core Viewpoint - The Henan Financial Regulatory Bureau has initiated a series of measures to support the agricultural sector in response to excessive rainfall in the Huanghuai region, ensuring timely harvest and drying of autumn crops, as well as the appropriate sowing of winter wheat [1][2]. Group 1: Emergency Response Measures - The Henan Financial Regulatory Bureau has activated an emergency response mechanism within the insurance industry to address the challenges posed by the recent heavy rainfall [1]. - Insurance companies are encouraged to adopt proactive, rapid, precise, and fair principles to enhance the quality and efficiency of claims services for autumn crops [2]. - Over 12 million yuan has been invested by the insurance industry in disaster reduction efforts, including the coordination of 96 tracked harvesters and 134 drying machines [2]. Group 2: Claims Processing and Technology Utilization - A green channel for autumn crop claims has been established, with a 24-hour hotline to facilitate timely reporting and assessment of damages [2]. - A total of 2,423 claim adjusters and 1,295 agricultural experts have been deployed, utilizing 1,190 vehicles and 321 drones to expedite damage assessment and claims processing [2]. - Advanced technologies such as satellite remote sensing and drones are being employed to overcome challenges in damage assessment due to muddy conditions in the fields [2]. Group 3: Winter Wheat Insurance Planning - The Henan Financial Regulatory Bureau is planning for winter wheat insurance coverage, ensuring a seamless transition from autumn crop claims to winter wheat underwriting [3]. - Insurance companies are being monitored to prevent selective underwriting and inflated coverage areas, ensuring all willing farmers and new business entities are covered [3]. - Efforts are being made to enhance awareness of agricultural insurance policies through community outreach and educational materials, aiming to increase farmer participation and understanding of insurance processes [3].

Group 1 - The insurance industry is increasingly focusing on disaster risk reduction and management due to the rise of extreme weather events [2] - Insurance companies are utilizing technology, such as drones and proprietary platforms, to enhance their disaster risk services and provide timely warnings to clients [1][2] - The development of a comprehensive disaster risk reduction service model is being implemented, covering the entire lifecycle from risk identification to post-disaster analysis [2] Group 2 - In 2024, the insurance sector, particularly PICC, assisted in the emergency harvesting of 560,000 acres of crops and the relocation of 15,000 livestock to mitigate disaster losses [1] - The "Giant Disaster Safety" platform developed by PICC offers risk maps and analysis for various natural disasters, supporting tailored services for different regions [2] - Recent regulatory changes have expanded the scope of catastrophe insurance to include additional natural disasters, enhancing the coverage for urban and rural residential properties [2]