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樱桃(树)种植保险
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中国人寿财险聊城市中心支公司创设全生命周期保险体系 护航樱桃产业健康发展
Core Insights - The cherry industry in Guancheng County, Shandong Province, has seen a successful harvest this year, with over 3,000 acres insured under a cherry planting insurance scheme provided by China Life Property & Casualty Insurance [1][2] - The insurance product has evolved from a disaster compensation tool to a stabilizing mechanism for the agricultural industry, ensuring the healthy development of cherry farming [1][2] Insurance Product Details - The cherry planting insurance includes two plans: one for cherry fruits and another for cherry trees, with an insurance premium of 200 yuan per acre, where the county government covers 60% and farmers cover 40% [2][3] - The maximum coverage amount is 6,000 yuan per acre, with 4,000 yuan for cherry trees and 2,000 yuan for cherry fruits [2] Claims and Impact - In the previous year, the insurance company paid out over 970,000 yuan to cherry growers in Guancheng County, with claims processed and paid within a week after damage assessment [3] - Approximately 7,000 acres of outdoor cherries have been insured under this customized insurance scheme [3] Extension to Seedling Insurance - A new cherry seedling insurance has been introduced to cover risks associated with the cherry seedling industry, which has been growing in scale [4][5] - This insurance covers 13 types of high-frequency risks, significantly increasing risk coverage by 80% compared to traditional insurance products [4] Financial and Government Collaboration - The insurance scheme is part of a broader financial and governmental collaboration, creating a multi-layered protection system for the cherry industry [5][6] - The county's financial support for the cherry insurance system has reached 1.44 million yuan, promoting proactive risk management among farmers and businesses [5][6] Overall Risk Management Strategy - The insurance company has developed a comprehensive risk management strategy that includes product pricing, claims service standards, and disaster reduction systems to support sustainable development in the cherry industry [6] - The company has provided a total risk coverage of 60.11 million yuan for the cherry industry, contributing to a dual-driven service model for rural development [6]
国寿财险聊城公司——构建多层次保险体系 护航全周期樱桃产业
Qi Lu Wan Bao· 2025-06-16 12:34
Core Viewpoint - The article highlights the establishment of a comprehensive cherry insurance system in Guancheng County, Shandong Province, by China Life Property & Casualty Insurance, aimed at mitigating agricultural risks and supporting the development of the cherry industry [1][5][20]. Group 1: Insurance Product Overview - China Life Property & Casualty Insurance has created a cherry (tree) planting insurance that covers both cherry trees and fruits, providing compensation for losses due to various natural disasters [7][15]. - The insurance premium is set at 200 yuan per mu, with the county government covering 60% and farmers covering 40%, offering a maximum coverage amount of 6,000 yuan per mu [7][9]. - The insurance product has been enhanced to include a "tree insurance" component in addition to the existing "fruit insurance," reflecting a shift from post-disaster compensation to proactive risk management [5][9]. Group 2: Impact on Local Agriculture - The cherry planting area in Guancheng County has expanded to over 30,000 mu, making it the largest early-ripening cherry cultivation base in China, but has faced significant challenges from natural disasters from 2020 to 2023 [5][18]. - The introduction of the cherry insurance has led to a significant reduction in disaster losses for participating farmers, with over 97,000 yuan paid out in claims last year [9][20]. - The insurance scheme has encouraged nearly 7,000 mu of outdoor cherries to be insured, providing a safety net for local farmers [9][20]. Group 3: Financial and Government Support - The Guancheng County government has implemented a financial subsidy mechanism, contributing 144,000 yuan to the cherry insurance system, which has helped leverage social capital and promote proactive insurance uptake among farmers [18][20]. - The collaboration between various government departments and China Life Property & Casualty Insurance has created a multi-layered risk management system that integrates government support, market operations, and technological backing [16][18]. - The insurance initiative has resulted in a 40% increase in the scale of cherry seedling production, enhancing the overall stability and confidence in the cherry industry [16][18]. Group 4: Future Developments - In addition to cherry planting insurance, a new cherry seedling insurance product has been introduced to cover the entire lifecycle of cherry production, addressing risks from seedling cultivation to planting [11][15]. - The cherry seedling insurance covers 13 types of high-frequency risks, significantly increasing the risk coverage compared to traditional insurance products [15][20]. - The comprehensive insurance framework aims to ensure the sustainable development of the cherry industry in Guancheng County, with a total risk coverage of 60.11 million yuan [20].