Group 1 - The insurance industry in Guangdong has received a total of 8,377 claims with an estimated loss amounting to 211 million yuan due to Typhoon "Wipha" [1] - Insurance companies have established a comprehensive defense system that includes pre-disaster warnings, in-disaster responses, and post-disaster compensation [3] - Various insurance institutions have set up emergency working groups to deploy disaster prevention and reduction efforts, utilizing platforms like public accounts and SMS to reach insured clients with warning information [3] Group 2 - The insurance sector is shifting from traditional "post-claim" services to "prevention" services, enhancing social safety levels and achieving a win-win situation for clients and insurance companies [3] - Multiple insurance companies have opened green claims channels to improve claim efficiency, with one case reporting a payment of 18,000 yuan to a fish farming client just four hours before the typhoon made landfall [4] - The insurance industry is actively responding to the typhoon disaster by establishing a proactive approach that significantly reduces social losses through technology and online platforms for rapid damage assessment and claims processing [4] Group 3 - Various types of insurance, including vehicle, agricultural, fire, and other disaster insurances, typically cover losses caused by typhoons, while life and personal accident insurances provide compensation for death or injury due to typhoons [5] - Consumers are advised to report claims immediately after an incident and retain evidence, such as clear photos and videos of damaged property, to facilitate efficient claims processing [5] - It is recommended for consumers to prepare necessary documents and utilize online tools for a streamlined "zero-contact" claims experience [5]

Group 1 - Typhoon "Butterfly" made landfall in Hainan on June 13, causing severe damage in Hainan, Guangdong, and Guangxi, including landslides and mudslides [1] - The insurance industries in Guangdong, Hainan, and Guangxi quickly activated emergency plans, utilizing technology to reduce risks and opening green channels for claims [3][4] - Insurance companies are shifting from traditional "post-disaster compensation" to "pre-disaster prevention," establishing a comprehensive protection system from warning to response and loss reduction [5] Group 2 - Technology such as AI, drones, and IoT is being widely applied in the insurance sector to enhance risk identification and loss reduction efficiency [4][5] - The rapid claims process has been highlighted, with instances of claims being paid out even before the storm subsided [6][7] - Specific claims examples include a payment of 1.43 million yuan to aquaculture farmers and 24,200 yuan for mango damage in Hainan [7][8] Group 3 - Timely reporting of claims is crucial for determining the relationship between the disaster and the insured losses, affecting the insurer's liability [8] - Agricultural insurance products that cover typhoon risks may not require immediate reporting, as insurers can assess claims based on investment information [8]