截至目前，公司政策性农业保险累计为111.69万户次农户提供330.25亿元风险保障，向7.83万户次受灾 农户支付理赔款1.42亿元，在霜冻、雪灾等自然灾害面前，为高原农牧业生产撑起"防护网"，助力藏区 群众稳产增收。 立足迪庆作为国家生态安全屏障的定位，公司深入践行"两山"理念，大力发展绿色保险，为生态环境保 护与绿色发展提供风险保障116.55亿元，在长江上游的生态版图上书写保险担当。 转自：新华财经 筑牢"三农"压舱石、守护绿水青山、赋能实体经济、护航文旅产业……中国人寿财产保险股份有限公司 迪庆州中心支公司坚守金融为民初心，将保险服务的触角延伸至雪山草甸、千家万户。 截至2025年11月末，公司累计提供各类风险保障404.1亿元，支付赔款3948.78万元，以坚实保障为边疆 民族地区高质量发展注入金融"活水"。 作为服务"三农"的金融主力军，公司连续九年深耕政策性农业保险，构建起覆盖传统种植养殖与高原特 色产业、融合科技赋能与精准服务的农险保障体系。通过无人机、生物识别等技术手段，公司不断提升 承保理赔的精准性与时效性，实现"数据多跑路、农牧民少跑腿"。 为支持"世界的香格里拉"旅游品牌可持续发展， ...

Core Insights - China Life Property & Casualty Insurance in Rizhao City has efficiently completed compensation for 35,200 acres of disaster-affected autumn grain, disbursing 7.8411 million yuan to 19,377 affected farmers, which is 52 days earlier than last year, providing strong financial support for autumn planting [1][3] - The company has established a comprehensive risk protection system for grain production, including innovative insurance solutions covering the entire lifecycle of crops, and has initiated commercial insurance products alongside policy-based insurance [3][4] Group 1 - The company has implemented an emergency response mechanism to enhance the efficiency of autumn grain compensation, including simplified claims processes and point-to-point services [1][2] - A "Party Member Pioneer Harvest Team" has been formed to assist farmers in harvesting autumn grain and preparing for winter wheat planting, while also establishing an information-sharing mechanism with local agricultural and meteorological departments [2][3] - The company has adopted a technology-driven approach for claims assessment, utilizing satellite remote sensing, drone aerial photography, and on-site inspections to improve efficiency and ensure fair compensation [2][3] Group 2 - The company has shifted its focus to risk protection for winter wheat, implementing measures such as improved insurance plans, pest monitoring, and expert guidance for field management to ensure increased summer grain production and food security [4] - The company has expedited the compensation process, starting payments on October 14, significantly ahead of the usual timeline, to support farmers before the autumn planting season [3] - The company aims to minimize disaster losses while ensuring fair and timely compensation, thereby reinforcing the food security defense line [3]

普惠保险，为何难以真正"靠得住"？在"十五五"从"广覆盖"迈向"高质量"的关键阶段，如何破解"低保费、高保障、多盈利"这一"不可能三 角"，让普惠保险成为普通人可信赖的风险屏障？ 这场关乎风险兜底的探索，亟待找到破局答案。 21世纪经济报道 记者杨希 实习生刘晴 在医疗保障体系中，如果将基本医保比作一根承重柱，居民自费是另一根支柱，那么商业健康保险目前还只是一根"牙签"。 公开信息显示，2023年，我国医保支出达2.8万亿元，占居民总医疗支出的50%；个人卫生支出2.5万亿元，占比44%；而商业健康保险赔付额 约为0.38万亿元，仅占7%左右。 普惠保险的演进与使命：从"广覆盖"到"高质量" 这一结构性失衡背后，是灵活就业人员、60岁以上老人等群体面临的个性化风险保障缺失。传统商业保险因"高门槛"形成覆盖盲区，而"惠民 保"等普惠产品又面临参保率下滑、盈利承压等挑战。 普惠保险的核心要义，在于以可负担的成本为更广泛人群提供适当、有效的保险保障。这一属性与我国保险市场当前的需求现状高度契合—— 截至 2024 年末，基本医保和基本养老保险覆盖率达95%以上，仍有灵活就业人员、60岁以上老人等群体面临个性化风险， ...

Core Viewpoint - The article highlights the shift in risk management practices in Xinjiang, where insurance is increasingly integrated into the entire industrial chain, moving from post-disaster compensation to proactive risk prevention and management [1][15]. Risk Management Shift - Risk management is transitioning from post-disaster compensation to pre-disaster prevention, with insurance now embedded in various stages of the industrial chain [1]. - In Akesu, a pilot project for hail prevention nets was initiated, with a total investment of 16.6 million yuan, where 60% is funded by insurance and 40% by farmers [2][5]. Agricultural Risk Mitigation - The Akesu region has established a "meteorology + insurance" mechanism to enhance disaster prevention, with a total investment of 140 million yuan from 2021 to 2024 for agricultural disaster reduction [5][6]. - The average annual occurrence of hail disasters in Akesu is 28.5 times, causing over 300 million yuan in economic losses each year [5][6]. Comprehensive Risk Control in Industries - Insurance is extending beyond agriculture to processing and manufacturing, creating a comprehensive risk control system across the entire industrial chain [6][9]. - In the cotton industry, policy-based agricultural insurance covers 80% of premiums, while commercial income insurance protects against price and yield fluctuations [6][9]. Technological Integration in Risk Management - A textile company in Kuqa has implemented infrared temperature monitoring systems to prevent fire risks associated with cotton storage [7]. - The insurance company conducts pre-insurance assessments and ongoing inspections to identify risks and assist in emergency planning [7]. Public Service and Tourism Safety - In the tourism sector, a unified insurance product called "Anxin Tour" has been introduced to cover all tourists in Kashgar, funded by the government [10][14]. - Safety islands equipped with emergency facilities have been established in popular tourist areas to enhance visitor safety [13][14]. Conclusion on Insurance Evolution - The integration of insurance with risk management, monitoring, and emergency systems is making risk management more proactive and precise [15]. - The evolving role of insurance is becoming a critical component in building resilience within industrial chains, indicating a broader trend in risk governance [15].

Group 1: Industry Development in Xinjiang - Xinjiang has experienced significant industrial growth, with diverse sectors such as agriculture, renewable energy, and textiles becoming key pillars of high-quality development [1] - The insurance industry plays a crucial role in risk management, providing a safety net for workers and injecting strong momentum into regional economic growth [1] Group 2: Agricultural Insurance in Aksu - Aksu's "Ice Sugar Heart" apple production benefits from insurance participation, with over 250,000 acres of quality fruit trees and an annual yield of around 300,000 tons [2] - A pilot project for hail prevention nets in Aksu has been initiated, with a total investment of 16.6 million yuan, where farmers cover 40% of the costs [2] - The insurance company has established a "meteorology + insurance" mechanism to enhance disaster prevention and risk management [3] Group 3: Technological Advancements in Insurance - The establishment of a comprehensive database covering 120 million acres of farmland enhances the precision and efficiency of agricultural insurance [4] - Remote sensing technology has improved investigation efficiency by over 80% and reduced costs by 60%, ensuring accurate claims processing [4] Group 4: Cotton Industry Insurance - The cotton industry in Xinjiang is supported by a comprehensive insurance network, providing 12.789 billion yuan in risk coverage and paying out 307 million yuan in claims [5][8] - A combination of policy-based agricultural insurance and commercial income insurance allows farmers to cover 80% of their premiums through government subsidies [6] Group 5: Green Hydrogen Energy Development - The Xinjiang Kuqa Green Hydrogen Demonstration Project is the largest photovoltaic power-to-green hydrogen project in China, aiming for a production capacity of 20,000 tons of green hydrogen annually [9][10] - The project is expected to reduce carbon dioxide emissions by 485,000 tons per year, equivalent to the carbon absorption of 280,000 trees [10] - Insurance services for the project include comprehensive coverage exceeding 2.2 billion yuan, ensuring risk management throughout the project lifecycle [10][11] Group 6: Support for Renewable Energy - The insurance sector has provided 21.585 billion yuan in risk coverage for energy and new power system construction, supporting the region's green development and carbon reduction goals [11]

Core Insights - The article highlights the challenges faced by the autumn harvest in Shandong due to continuous rainy weather, which has increased risks for crop yields [1] - China Life Property & Casualty Insurance Shandong Branch has reported that approximately 1.3 million acres of autumn grain crops have been affected, with an estimated compensation amount of 258 million yuan [1] - The company is actively implementing various measures to provide risk protection for the autumn harvest, including leveraging its extensive network of service stations and agricultural experts [1] Group 1 - The affected area of autumn grain crops is approximately 1.3 million acres, with a compensation estimate of 258 million yuan [1] - China Life Property & Casualty Insurance has insured 6.84 million acres of policy-based crops this year, bearing disaster loss guarantees of 6.1 billion yuan [1] - The company is utilizing 331 service stations to conduct on-site assessments and educate farmers on loss reduction and reporting processes [1] Group 2 - A green channel for autumn grain claims has been established, with daily updates on damage and claims progress [2] - The company is employing satellite remote sensing technology for damage assessment and has implemented a combination of drone inspections and app-based damage assessments to enhance efficiency [2] - Continuous monitoring of weather changes and harvest progress is being conducted, with efforts to assist farmers in timely harvesting and drying of crops [2]

Core Insights - The article discusses the rapid development of policy-based agricultural insurance in China since the implementation of premium subsidy policies in 2007, highlighting the significant role of these subsidies in reducing the burden on agricultural producers and enhancing risk protection [1][2] - However, the high subsidy rates have led to fraudulent activities, including inflated insurance claims and false reporting, which undermine the integrity of the agricultural insurance system [1][3] - The introduction of "3S" technology (Remote Sensing, GIS, and GPS) is proposed as a solution to address these issues by improving regulatory oversight and ensuring accurate insurance practices [2][4] Policy-Based Agricultural Insurance - In 2023, policy-based agricultural insurance achieved a premium income of 126.39 billion yuan, accounting for 87% of the total agricultural insurance premium, with government subsidies amounting to 95.18 billion yuan and an average subsidy rate of 75% [1] - The core feature of policy-based agricultural insurance is its reliance on government subsidies to support agricultural producers, which is intended to enhance fairness in resource distribution and improve overall social welfare [3] Issues and Regulatory Challenges - The "two false issues" (false underwriting and false claims) have severely distorted the redistribution process of subsidies, with fraudulent activities accounting for 83.96% of agricultural insurance crimes from 2012 to 2020 [3] - These issues not only divert resources from genuine insurance services but also erode trust among agricultural producers, potentially leading to a decline in demand for policy-based agricultural insurance [3] Application of "3S" Technology - The article proposes a regulatory framework utilizing "3S" technology to enhance the oversight of policy-based agricultural insurance, aiming to provide a cost-effective and intuitive way to identify fraudulent activities [4][6] - The framework emphasizes the need for publicly available data to facilitate consensus among regulatory bodies and improve collaborative oversight [3] Policy Recommendations - Establish a supporting policy system for the application of "3S" technology in agricultural insurance underwriting and claims, ensuring the scientific validity and effectiveness of remote sensing data [10] - Strengthen the infrastructure and talent development for "3S" technology in regulatory agencies, promoting real-time data comparison between agricultural information and insurance claims [10] - Encourage insurance companies to adopt "3S" technology in their operations, lowering the technical barriers and integrating this capability into the qualification standards for policy-based agricultural insurance [10] - Promote the iterative upgrade and integration of "3S" technology with other technological tools to enhance the precision of regulatory practices in agricultural insurance [10]

Core Viewpoint - The company is actively implementing measures to enhance autumn grain production, utilizing advanced technology and agricultural insurance to mitigate risks and ensure food security [3][5][7]. Group 1: Company Initiatives - The company has invested several hundred thousand yuan to establish a professional flying defense team and purchase pesticides and plant growth regulators for pest control in autumn grain crops [3][5]. - A total of 23,000 acres have been treated using advanced DJI T50 drones, effectively controlling major pests and diseases, thereby promoting crop growth and maturity [3][5]. - The company has provided risk protection for 210,000 farming households, amounting to 1.91 billion yuan in food safety risk coverage this year [9]. Group 2: Collaboration and Technology - The company has signed a strategic cooperation agreement with the Jining Meteorological Bureau to establish a data-sharing mechanism for precise weather forecasting and early warning services [9]. - Utilizing meteorological satellite remote sensing data, the company monitors crop growth and soil moisture conditions to enable early detection and response to potential disasters [9]. - The company aims to expand the promotion of various insurance types, including meteorological index insurance and income supplement insurance, to provide comprehensive risk protection for autumn grain [9]. Group 3: Agricultural Insurance Focus - As a key provider of policy agricultural insurance, the company has undertaken risk coverage of 1.448 billion yuan for three major grain crops this year [7]. - The company emphasizes the importance of agricultural insurance services in stabilizing grain production and is committed to transitioning from post-disaster compensation to pre-disaster prevention [9]. - The company is enhancing service efficiency and accuracy through technology and expert guidance, ensuring high satisfaction among farmers [7].

Core Viewpoint - The establishment and growth of China People's Insurance Company (CPIC) in Tibet over the past 30 years have significantly contributed to the development of the local insurance industry and provided essential support for the region's economic and social progress [1][2]. Group 1: Historical Development - CPIC's Tibet branch was established in 1987 with an initial investment of 3 million yuan and 14 employees, marking the beginning of insurance services in the region [1]. - From issuing the first cargo transportation insurance policy in Tibet to now offering over 100 insurance products across various sectors, CPIC has expanded its network to 89 branches and 686 service stations by the end of 2024 [2]. Group 2: Social Responsibility and Community Engagement - CPIC has actively engaged in community service, sending 8 teams annually to rural areas since 2011, with a total investment of nearly 100 million yuan [3]. - The company has introduced innovative insurance products, such as the "poverty alleviation income insurance," benefiting 75,000 individuals at risk of falling back into poverty [4]. Group 3: Economic Contributions - CPIC has provided risk coverage of 188 billion yuan for 284 key construction projects, including the Sichuan-Tibet Railway and clean energy development [5]. - The company has also supported the agricultural sector with 564 billion yuan in risk coverage, directly compensating 1.36 billion yuan to 694,000 farming households [6]. Group 4: Disaster Response and Emergency Support - Following the 6.8 magnitude earthquake in Dingri County in January 2025, CPIC quickly mobilized resources, providing 230,000 yuan worth of emergency supplies and insurance coverage of 190 million yuan for disaster recovery efforts [7]. - The company has demonstrated a rapid response capability, completing insurance claims for the earthquake within 10 days, totaling 173 million yuan in payouts [6].

Group 1 - The Beijing Municipal Agricultural and Rural Bureau has initiated emergency response procedures due to the impact of rainfall on agricultural production [3][4] - Agricultural experts have been dispatched to guide recovery efforts in areas such as Miyun, with a focus on timely distribution of disaster relief seeds and drainage work [3][4] - A green channel for agricultural insurance claims has been established, allowing for expedited processing and compensation within 24 hours of reporting [3][4] Group 2 - The city has prepared 112,500 kilograms of disaster relief seeds and over 50,000 pieces of animal epidemic prevention materials, along with 1,266 sets of drainage equipment [3][4] - Farmers are advised to monitor weather alerts closely and take necessary precautions against potential geological disasters and flooding [3][4] - Policy-based agricultural insurance providers have activated emergency response mechanisms, simplifying the claims process for quick compensation [4]