中国人寿财险云南省分公司积极探索利用互联网、卫星遥感、人工智能等创新科技，推动承保理赔 工作向数字化、智能化方向转变，以实际行动赋能乡村振兴。 在养殖险领域，中国人寿财险云南省分公司于2024年率先落地"一户一单"精准承保与验标模式，投 入使用生物AI识别技术(牛、猪脸识别、智能点数)，构建起肉牛、奶牛和能繁母猪的面部识别数据库， 从源头保障保险标的唯一性，显著防范道德风险与不足额投保现象。"育肥猪点数识别"技术大幅提升了 承保效率，尤其在规模化养殖场中，实现了从传统人力操作向智能化管理的跨越。 中国人寿财险云南省分公司"自动核保"功能实现了标准件自动秒级核保，有效提升线上化作业水 平，释放人力专注于处理复杂案件。2025年1至8月，"自动核保"系统审核通过保单量达到5.48万件，业 务处理能力得到极大释放，核保业务逐渐趋向智能化，整体核保效率提升，保单出单时间从"小时级"缩 短至"分钟级甚至秒级"。 在种植险、林木险方面，中国人寿财险云南省分公司依托"国寿i农图""国寿i农飞"等数字平台，利 用无人机结合遥感技术，提升承保标的信息的真实性、准确性、完整性，防范虚假承保;在理赔环节提 供科学精确的损失程度和损 ...

Core Viewpoint - Sunshine Agricultural Mutual Insurance Company is leveraging advanced technologies such as big data and artificial intelligence to enhance the efficiency and accuracy of agricultural insurance processes, particularly in crop insurance [1][2]. Group 1: Technological Innovations - The company is implementing a fully electronic process for crop insurance by 2025, utilizing satellite remote sensing and drone photography to accurately measure farmland and crop conditions, thereby providing scientific evidence for loss assessment [2]. - A mobile app is being used for real-time information upload during the inspection phase, significantly reducing the loss assessment cycle [1][2]. - The integration of data from various platforms, including the national agricultural insurance information platform, is aimed at improving compliance and efficiency in insurance underwriting and claims [2][3]. Group 2: Financial Impact and Coverage - As of now, the company has successfully completed the underwriting of over 41,000 electronic crop insurance policies, providing risk coverage of nearly 4.3 billion yuan to insured farmers [3]. - The company is expanding its "income insurance + futures" pilot program in Heilongjiang Province, offering dual protection against natural and price risks for 620,000 mu of crops [3][4]. Group 3: Product Diversification - Sunshine Agricultural Mutual Insurance has introduced a commercial crayfish farming insurance, marking the first of its kind in Heilongjiang Province, providing 250,000 yuan in risk coverage for 500 mu of crayfish [5][6]. - The company has developed over 25 types of specialty crop insurance, addressing the needs of various economic crops and providing 1.338 billion yuan in risk coverage for these products [6][7].

Core Viewpoint - The company actively participated in the "Financial Education Promotion Week" to enhance financial knowledge and fraud prevention awareness among the public, focusing on the theme "Protecting Financial Rights to Support a Better Life" [1] Group 1: Workplace Promotion - The company established the workplace as the main venue for financial consumer protection promotion, displaying posters and brochures on key topics such as telecom fraud prevention and insurance consumer rights [3] - One-on-one explanations were provided to clients to guide them in rationally selecting insurance products, thereby strengthening the financial safety net [3] Group 2: Market Engagement - The company collaborated with the life insurance division to conduct outreach at local markets, using banners and brochures to educate the public on identifying false insurance promotions and protecting personal information [4] - Special attention was given to vulnerable groups, such as the elderly and merchants, through personalized communication to help them avoid financial pitfalls [4] Group 3: Community Outreach - The company organized teams to visit rural areas, integrating financial consumer protection education with agricultural insurance services [6] - Farmers were informed about insurance claim processes and how to prevent financial fraud in agriculture, addressing their specific questions and concerns [4][6] Group 4: Overall Impact - The financial education activities effectively filled the gap in financial knowledge dissemination in rural areas, enhancing the public's financial literacy and risk awareness [6] - The company plans to continue integrating financial education with daily services, exploring more grassroots-oriented promotional methods to contribute to a safe financial environment and local economic development [6]

Core Viewpoint - The implementation of a fully electronic process for crop insurance by Sunshine Agricultural Insurance in the Heilongjiang province is set to enhance efficiency, accuracy, and compliance in the insurance underwriting and claims process through data sharing and technological integration [1][4]. Group 1: Technological Integration - Sunshine Agricultural Insurance has developed a "Crop Insurance App" that utilizes satellite imagery and drone photography to accurately identify the location, size, and type of crops grown by farmers [4]. - The company has integrated land vector data into its 3S remote sensing application platform, which allows for precise verification of insured areas, thus addressing previous issues of data inaccuracies caused by human error [4]. Group 2: Data Sharing and Efficiency - The collaboration with Beidahuang Agricultural Group enables cross-verification of agricultural subsidy application data with insurance data, reducing the workload for agricultural departments and improving the accuracy of subsidy disbursement [4]. - Farmers can now sign land contracts and insurance policies simultaneously, and they can track the progress of their insurance applications and claims through their mobile devices, enhancing the overall user experience [5]. Group 3: Impact on Insurance Process - The time required for underwriting insurance for over 6 million acres of farmland has been reduced from 45 days to approximately 10 days, significantly improving the efficiency of the insurance process [5]. - In 2023, Sunshine Agricultural Insurance successfully completed the electronic underwriting of over 41,000 crop insurance policies, providing risk coverage of nearly 4.3 billion yuan [5].

Core Viewpoint - The article highlights the efforts of insurance specialists in promoting agricultural insurance, particularly focusing on rice crop insurance, to provide farmers with financial security and support during challenging conditions [1][6]. Group 1: Company Operations - The company, People's Insurance Company of China (PICC), is actively involved in agricultural insurance, with specialists like Xu Dongdong conducting on-site inspections and insurance verification for farmers [1][3]. - Xu Dongdong, with 12 years of experience, oversees insurance for over 300 farmers in 11 communities, emphasizing the importance of thorough verification processes for insurance claims [1][4]. - The company utilizes technology such as drones to enhance the efficiency and accuracy of crop inspections, ensuring comprehensive documentation for insurance purposes [5][6]. Group 2: Industry Impact - Agricultural insurance is crucial for farmers, providing them with financial compensation in case of crop failures due to adverse weather conditions, as illustrated by a farmer receiving over 60,000 yuan in compensation for drought-related losses [6]. - The peak season for agricultural insurance activities occurs from June to August, during which specialists work tirelessly to ensure accurate assessments and support for farmers [6][7]. - The commitment of insurance specialists to their work is reflected in their dedication to understanding the challenges faced by farmers, reinforcing the importance of agricultural insurance in stabilizing production and income [6].

Core Insights - Sunshine Agricultural Mutual Insurance Company successfully completed the underwriting of 41,000 electronic insurance policies for crop planting, providing risk coverage of 4.3 billion yuan for insured farmers [1][2] - The company has explored new pathways for agricultural insurance development by leveraging data potential, enhancing data system connectivity, and applying advanced technologies [1][2] Group 1: Traditional Challenges and Solutions - Farmers traditionally face cumbersome procedures and difficulties in information verification during the insurance application process [1] - Sunshine Agricultural Insurance has established a unified and standardized farmland information database by integrating multiple systems, including the Beidahuang land contracting system and the Beidahuang agricultural service app [1][2] - The company has implemented satellite remote sensing verification and blockchain technology to achieve a fully digital transformation of the crop insurance process from application to claims [1][2] Group 2: Technological Empowerment and Efficiency - By standardizing data and accurately matching land contracting with farmland resource management systems, the company has automated the generation of electronic insurance applications [2] - The time for underwriting has been reduced from approximately 45 days to around 10 days, allowing farmers to complete the insurance purchase process easily through a mobile app with no paper materials or on-site waiting [2] - Key data such as electronic policies, verification images, and electronic signatures are stored on the blockchain in real-time, ensuring data integrity and immutability [2] Group 3: Future Directions - Sunshine Agricultural Insurance plans to continue deepening the application of technology and summarizing experiences to enhance work efficiency and service quality [2] - The company aims to strengthen risk protection for agricultural development through a model that integrates insurance, technology, and services [2]