■本报记者 李美丽 "这苗出得挺好，注意浇好越冬水，保好墒情，后面再压一压苗。"近日，在山东省泰安市岱岳区大汶口 镇双杨店村的麦田里，镇农办主任李东刚正在给种粮大户郗仲来进行小麦冬季管理技术指导。 郗仲来作为泰安市睿成农业科技专业合作社负责人，统筹管理着4000多亩肥沃的"汶阳田"。然而，今年 秋天连绵不断的秋雨，给他的高产田浇了一大盆"冷水"。 "我们坚持'防重于赔'，推动从'事后补偿'向'事前预防、事中干预、事后减损'全链条服务转型，将风险 防线前移至粮食生产全过程。"中国人寿财险泰安市中心支公司党委书记、总经理辛颖表示，该公司以 秋汛应对为契机，不仅推动农业保险从"灾后补偿"加速向"全程风险管理"转型，同时构建了"政策性保 险+商业附加险"的多层次保障体系，在做好秋粮政策性完全成本保险的同时，针对性推出玉米种植收 入保险、大豆种植收入保险等系列商业性附加保险产品，以"价格+产量"双保障方式，全方位、全周期 保障粮食安全。 "我们将按照'能赔尽赔、应赔尽赔、合理预赔'的原则，在做好秋粮赔付收尾工作的同时，将工作重点 及时转移到完善冬小麦风险保障方案和承保工作上来，并利用卫星遥感等技术，适时开展小麦苗情长势 ...

Core Viewpoint - The article highlights the innovative agricultural insurance service provided by China People's Property Insurance in Zaozhuang, which offers free drying services to farmers facing challenges due to continuous rainfall during the autumn harvest, thereby preventing crop spoilage and financial loss [3][5][10]. Group 1: Agricultural Challenges - Continuous autumn rain has led to high moisture levels in harvested corn, reaching 35%-40%, significantly exceeding the safe storage standard of 14% [4]. - Farmers are facing difficulties in selling wet corn due to low purchase prices, around 0.49 yuan per pound, and the risk of spoilage [4][6]. Group 2: Insurance Innovation - The insurance company has shifted its service model from post-disaster compensation to proactive risk prevention by providing free drying services for insured farmers [5][10]. - This initiative is a collaboration between the insurance company, the local finance bureau, and the agricultural bureau, coordinating four drying lines to process up to 80 tons of grain per day [5][6]. Group 3: Risk Management and Support - The insurance service emphasizes a "prevention over compensation" approach, focusing on comprehensive risk management throughout the agricultural production process [6][10]. - The company has established specialized service teams to assist farmers with harvesting, transportation, and drying, thereby minimizing disaster losses [7][8]. Group 4: Policy and Financial Support - The insurance company has upgraded its agricultural insurance policies to include complete cost insurance for corn and wheat, covering all production costs, with per-acre coverage reaching 950-1000 yuan [10]. - Financial support from various government levels covers 80% of the insurance premium, significantly reducing the burden on farmers [10][11]. Group 5: Community Impact - The free drying service and financial support have provided farmers with a sense of security and hope, reinforcing the importance of agricultural insurance in safeguarding their livelihoods [11].

Core Insights - The article emphasizes the importance of agricultural insurance in mitigating losses for farmers due to recent adverse weather conditions, particularly continuous rain affecting crop yields [1][6][7] - The government and insurance companies are actively implementing measures to expedite claims processing and enhance support for affected farmers [2][4][6] Group 1: Government and Insurance Initiatives - The Ministry of Agriculture and Rural Affairs is coordinating with financial regulatory bodies to accelerate insurance claims in disaster-affected areas [2] - Local governments, such as in Henan, have initiated emergency mechanisms to ensure prompt compensation for farmers, establishing "green channels" for claims [2][4] - Insurance companies are adopting innovative measures, including the use of drones for precise damage assessment, to improve the efficiency of claims processing [3][4] Group 2: Financial Support and Compensation - As of now, Henan province has paid out 1.37 billion yuan in insurance claims for autumn grain, with 75% of this amount being pre-compensation [6] - Farmers are benefiting from comprehensive cost insurance, which covers significant portions of their losses, with government subsidies covering 80% of the insurance premiums [6][7] - There is a growing demand among farmers for expanded insurance coverage to include more crops and to address hidden losses caused by adverse weather [7] Group 3: Future Directions and Expectations - Farmers are expressing a desire for more comprehensive insurance products, such as income insurance and weather index insurance, to better protect against various risks [7] - The article highlights the need for a dual approach to ensure food security by increasing production while simultaneously reducing losses [7]

Group 1 - Dezhou is a significant grain-producing area in Shandong, being the first city in China to achieve "over 1 ton per mu and over 10 billion total production" [1] - China Life Property & Casualty Insurance in Dezhou has focused on three major grain crop insurance, covering 4.4167 million mu since the new agricultural insurance cycle began in 2024, leading the province in coverage [1] - The company has taken on risk responsibilities amounting to 4.311 billion yuan for 348,000 farming households, providing crucial financial support for post-disaster recovery [1] Group 2 - In Wucheng County, China Life Property & Casualty Insurance has insured 66,800 mu of corn, with 44,840 households participating in complete cost insurance [2] - Following heavy rainfall of 262.6 mm in August, the company initiated an emergency claims process, resulting in compensation of 7.04 million yuan for 15,740 mu of affected corn [2] - The insurance compensation helped farmers like Wang Wei recover costs and continue planting winter wheat [2] Group 3 - The company has insured 593,000 mu of wheat and corn, achieving a coverage rate of 93% and providing risk protection of 578 million yuan, making it the top county in the province for complete cost insurance [3] Group 4 - China Life Property & Casualty Insurance has developed commercial income loss protection plans alongside policy-based agricultural insurance, creating a multi-layered agricultural risk protection system [4] - The company offers commercial wheat meteorological index insurance and supplementary insurance, transitioning from "cost protection" to "income protection" [4] Group 5 - The "insurance + futures" model has been implemented in Yucheng City, providing risk protection of 222 million yuan over three years, with 21.54 million mu insured [5] - This model helps farmers hedge against price risks and ensures stable income [5] Group 6 - The company has established an "insurance + agricultural technology" service team to provide preemptive risk management and support for grain production [6] - Investment in risk reduction initiatives includes satellite monitoring technology for crop risk management and the establishment of smart agriculture service stations [6] - Future plans involve developing comprehensive protection schemes for the entire agricultural industry chain to ensure food security and high-quality agricultural development [6]

Core Viewpoint - The company is actively engaged in agricultural insurance to mitigate the impact of extreme weather on crop production, ensuring food security and supporting farmers through comprehensive insurance solutions [1][2][3]. Group 1: Agricultural Insurance Initiatives - Since the start of the 2024 agricultural insurance cycle, the company has insured 441.67 million mu of policy-based staple crop cost insurance, leading the province in coverage area [2]. - The company has provided risk coverage of 4.311 billion yuan for 348,000 farming households, paying out 48.8194 million yuan in claims to support post-disaster recovery [2]. - The company has implemented a complete cost insurance model for staple crops, increasing the coverage amount per mu by 500 yuan while raising the premium by 2.4 yuan for wheat and 4.4 yuan for corn [9][10]. Group 2: Disaster Response and Claims Management - Following severe rainfall in August, the company activated its emergency claims plan, assessing damage across 15,740 mu of corn, with total claims reaching 7.04 million yuan, significantly exceeding the farmers' premiums [7]. - The company has established a rapid claims process, ensuring timely compensation to farmers, which has been crucial for their financial recovery and continued agricultural activities [10][19]. Group 3: Technological Integration and Risk Management - The company has invested in risk reduction initiatives, utilizing satellite monitoring technology for comprehensive risk management, enhancing disaster prevention and response capabilities [18]. - The establishment of smart agriculture service stations and collaboration with research institutions has enabled the development of predictive models for crop diseases, further supporting farmers [18]. Group 4: Future Plans and Strategic Goals - The company aims to strengthen agricultural insurance as a financial tool to promote agricultural development, ensure food security, and stabilize farmers' incomes, with plans to develop comprehensive insurance solutions for the entire agricultural value chain [19].