筑牢农险屏障，提高保障水平。在保持三大主粮作物完全成本保险县域全覆盖的基础上，我省持续推进 农业保险扩面增品。如多部门联合印发河南省大豆完全成本保险实施方案，助力稳定种豆农户收益。金 融监管部门指导承保机构创新开展地方特色险，目前全省已开办特色农险涉及15个大类150余种，基本 涵盖主要特色优势农产品和畜禽品种。国家金融监督管理总局河南监管局相关负责人表示，结合气象部 门旱涝急转的预警提示，要求辖内保险机构紧盯时间节点倒排工期，统筹做好夏粮理赔和秋粮承保，切 实保障粮食生产安全。（记者 李鹏） 责任编辑： 王靖 7月29日，记者从国家金融监督管理总局河南监管局获悉，我省持续加大对"三农"领域的金融支持，多 措并举推动涉农信贷"保量、提质、稳价、优结构"。截至6月末，全省涉农贷款余额达2.59万亿元，较 年初增长4.46%。农业保险保费收入69.7亿元，为743.48万户次农户提供风险保障1628.41亿元。 据了解，聚焦春耕夏收关键农时，金融监管部门指导银行保险机构备足金融资源，积极满足农资、农 机、农技、粮食收储等涉农金融需求，及时做好承保理赔服务，做到"愿保尽保""应赔尽赔"。今年以 来，全省主要银行机构 ...

Core Insights - The report highlights the commitment of Shandong's insurance industry to enhance people's well-being through risk protection, financial intermediation, and social management, aligning with national and provincial government directives [1] Group 1: Medical Insurance - In 2024, Shandong's insurance sector emphasizes "insurance for the people," contributing to the medical insurance system with over 89 million insured individuals, effectively preventing poverty due to illness [2] - The "Hui Min Bao" program, a customized commercial medical insurance, covered approximately 9.03 million people in 2024, with total claims amounting to 747 million yuan [2] - Major insurance companies are actively involved in long-term care insurance to support families affected by disabilities [2] Group 2: Pension Insurance - The insurance industry plays a crucial role in enhancing the pension system, with China Life's commercial pension stock reaching 1.326 billion yuan in 2024 [3] - Tai Ping Pension Insurance added 1.102 billion yuan in assets for commercial pensions, serving over 3,000 clients [3] - Personal pension premiums for People's Life increased by 139% year-on-year, amounting to 366,000 yuan [3] Group 3: Property Insurance - People's Insurance Company of China (PICC) paid out 382 million yuan for disaster-related claims, handling over 8,000 cases [4] - Tai Ping Property Insurance provided risk coverage of 13.085 billion yuan for 1.362 million acres of farmland [4] - The "Hui Nong Xiang Ju Bao" product offered comprehensive risk protection worth 482.8 billion yuan to 295,000 rural residents [4] Group 4: Service Enhancement - The insurance industry focuses on improving service quality by integrating technology and human care, providing tailored services for special groups [5] - China Life's "Silver Age Health Project" insured 8.15 million elderly individuals, with a risk coverage exceeding 590 billion yuan [5] - Companies like Tai Kang Life are creating a "insurance + healthcare" ecosystem to meet diverse elderly care needs [5] Group 5: Technological Innovation - The adoption of AI and big data significantly enhances service efficiency, with Ping An Life implementing a "smart customer service" project for 24/7 operations [6] - Tai Ping Life's integration of intelligent review processes has improved claims efficiency [7] - The "Tian Kang Health Pass" project allows for immediate claims processing upon hospital discharge, with 43,000 claims processed in 2024, totaling 56.61 million yuan [7]

Core Insights - The insurance industry is increasingly playing a vital role in rural revitalization through innovative products, optimized service models, and technology empowerment [1][6][7] Group 1: Agricultural Insurance Development - The agricultural insurance product system has significantly expanded, covering major crops and local specialty products, with a total insurance premium scale of 152.1 billion yuan, providing risk protection exceeding 5 trillion yuan for 147 million households [2] - In 2024, China Life Property & Casualty Insurance plans to cover over 11.5 million acres of major grain crops, providing risk protection of approximately 80.5 billion yuan [2] Group 2: Innovative Insurance Products - Insurance companies are launching specialized insurance products based on local resources, such as pomegranate planting insurance in Shandong and apple industry chain insurance in Gansu [3] Group 3: "Insurance+" Service Model - The insurance industry is evolving from simple risk compensation to a comprehensive service model that supports rural industry development, exemplified by the "breeding insurance + live collateral loan" model in Shanxi [4] Group 4: Personal Risk Protection - The insurance sector is also providing personal risk protection for local residents, with China Life offering over 28 billion yuan in personal risk coverage for nearly 490,000 people in targeted poverty alleviation areas in 2024 [5] Group 5: Technology Empowerment - The application of technologies such as big data and satellite remote sensing is reshaping agricultural insurance services, enhancing the precision and efficiency of underwriting and claims [6][7] - China Life Property & Casualty Insurance is promoting disaster monitoring and early warning systems to improve risk management capabilities [7]