人民日报记者 屈信明 近期，多地出现强降雨天气，一些地方出现农田被淹，农房、农机受损等情况。应对极端天气，保 险能为农户提供哪些保障？目前理赔情况如何？怎样进一步提升承保理赔服务质效？近日，记者采访了 专家以及金融监管部门、中国保险行业协会、保险机构有关负责人。 当前受灾地区的赔付情况如何？ "七下八上"防汛关键期，金融监管部门指导各地保险机构及时开展查勘定损，优化理赔流程，能赔 快赔、应赔尽赔、合理预赔。 在内蒙古，三大粮食作物及大豆完全成本保险、种植收入保险承保范围覆盖本轮暴雨高风险区域， 产粮大县保险保额提高，从每亩300至600元提升到每亩900至1200元。灾情发生后，承保机构借助"无人 机+人工智能定损"快速核定农作物受灾情况。截至目前，当地保险机构已支付相关赔款3.89亿元，涉及 农户14.73万户。 北京加大完全成本保险和种植收入保险推广力度，在受强降雨影响较大的密云区，政策性农业保险 今年1至5月累计保额达8.2亿元，承保种植业10.73万亩、养殖业18.77万头。灾情发生后，保险机构调集 人力物力赶赴受灾地区协助救援、做好保险理赔。截至8月11日12时，辖内保险机构累计受理全市区特 大暴雨 ...

Core Insights - Recent heavy rainfall has led to significant agricultural damage, prompting discussions on the role of insurance in providing support to affected farmers [1] - The insurance industry is actively optimizing claims processes and utilizing technology for efficient damage assessment [2][3] Group 1: Current Compensation Situation - Financial regulatory authorities are guiding insurance companies to expedite damage assessments and claims processes during the critical flood prevention period [2] - In Inner Mongolia, insurance coverage for major crops has increased, with compensation amounts rising from 300-600 yuan per mu to 900-1200 yuan per mu, resulting in 389 million yuan paid to 147,300 farmers [2] - In Beijing, agricultural insurance claims have been significant, with 7085 reports filed and 191 claims paid as of August 11 [2] Group 2: Types of Insurance for Farmers - The implementation of the "Implementation Plan for High-Quality Development of Inclusive Finance in Banking and Insurance" encourages the development of various agricultural insurance products, including crop, housing, and machinery insurance [4] - Central government continues to subsidize insurance premiums for major agricultural products, while local governments are introducing region-specific insurance products [4] - New insurance products are being developed, such as agricultural machinery insurance and specialized coverage for farm-related liabilities [5] Group 3: Challenges and Recommendations - Despite the positive impact of agricultural insurance, issues like delayed payments and average compensation practices persist [6] - The application of new technologies like remote sensing and big data is being encouraged to improve efficiency and service levels in agricultural insurance [6][7] - Recommendations include establishing data-sharing mechanisms and clarifying the roles of government and insurance companies to ensure fair and precise claims processes [7]

Core Viewpoint - Recent heavy rainfall has caused significant damage to farmland and agricultural equipment, prompting discussions on how insurance can provide support to affected farmers and improve claims processing efficiency [1] Group 1: Current Compensation Situation - Financial regulatory authorities are guiding insurance companies to conduct timely assessments and optimize claims processes during the critical flood prevention period, ensuring quick and reasonable compensation [2] - In Inner Mongolia, insurance coverage for major crops has been expanded, with compensation amounts increased from 300-600 yuan per mu to 900-1200 yuan per mu, resulting in 389 million yuan paid to 147,300 farmers [2] - In Beijing, agricultural insurance coverage reached 820 million yuan from January to May, with 7,085 claims reported due to heavy rainfall, of which 191 have been compensated [2] Group 2: Insurance Products for Farmers - The implementation plan for high-quality development in the banking and insurance sectors emphasizes the development of localized agricultural insurance products, including farmland, housing, and machinery insurance [4] - Central government continues to subsidize insurance premiums for major agricultural products, while local governments are introducing region-specific insurance products [4] - Various insurance products are being developed, including agricultural machinery insurance and specialized insurance for farm employers and short-term personal accident insurance for farmers [5] Group 3: Challenges in Agricultural Insurance - Agricultural insurance has positively impacted farmers' income security, but issues such as delayed payments and average compensation persist [6] - The application of new technologies like remote sensing and big data in agricultural insurance is increasing, but there is a lack of standards leading to doubts about the accuracy of damage assessments [6][7] - Regulatory bodies are encouraged to establish data-sharing mechanisms to enhance the precision and efficiency of claims processing, while ensuring that government interventions do not disrupt the insurance ecosystem [7]

Core Viewpoint - The National Financial Supervision Administration and the People's Bank of China have jointly released an implementation plan aimed at promoting high-quality development of inclusive finance in the banking and insurance sectors, focusing on local agricultural insurance and insurance products tailored for small and micro enterprises [1] Group 1: Agricultural Insurance Development - The implementation plan emphasizes the need to develop local advantageous and characteristic agricultural product insurance, including farmland insurance, housing insurance for farmers, and agricultural machinery insurance [1] - A multi-tiered agricultural insurance product system is to be established to better serve the agricultural sector [1] Group 2: Insurance for Small and Micro Enterprises - The plan calls for the development and promotion of property insurance, liability insurance, and export credit insurance that cater to the needs of small and micro enterprises [1] - The objective is to enhance the risk prevention capabilities of small and micro enterprises in various aspects such as production operations, technological innovation, disaster response, cargo transportation, and exploring overseas markets [1]