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]