Build a strong risk barrier in the strong village!Luzhou Insurance Industry escorted rural revitalization

This year is a key year for implementing the strategy of rural rejuvenation. Over the years, according to the relevant deployment of the rural revitalization of Zhejiang Banking and Insurance Bureau, Luzhou Insurance Industry has given full play to the function of insurance protection and risk management through the changes in mechanisms, scientific and technological empowerment, and innovative products, and actively serve rural revitalization.

Since the beginning of this year, the Luzhou Banking Insurance Regulatory Bureau has strengthened the linkage and cooperation with departments such as the Agricultural and Rural Bureau. Insurance services will go to a new level.

Serve agriculture

Promote the high -quality development of agricultural insurance

In order to actively promote the high -quality development of agricultural insurance and strengthen agricultural insurance in serving the agricultural industry and other aspects, the Luzhou Banking Insurance Regulatory Bureau combined with the actual situation and issued the "Key Points for the Revitalization of Agricultural Insurance to Serve Rural Revitalization in 2022", focusing on ensuring food security and promoting the safety Agricultural insurance "expansion, quality lifting, increased quality, and chain chain. As of the end of July, Luzhou's agricultural insurance premium revenue was 105 million yuan, an increase of 12.22%year -on -year, and the amount of insurance was 2.830 billion yuan, an increase of 7.96%year -on -year.

Rice is the main grain crops in Luzhou. The complete cost insurance of rice is a comprehensive risk guarantee for the basic costs incurred during the entire process of rice production, covering total agricultural production costs including crop costs, service costs, labor costs and land costs. Since the beginning of this year, Luzhou has accelerated the complete cost insurance of main grain crops such as rice and actively explored the pilot of rice income insurance.

"Rice complete cost insurance not only compensates the planting losses of rice itself, but also obtains a compensation covering labor costs and land costs!" Three farmers in Hecun Town, Jiangshan City received the remittance of the PICC Property Insurance Luzhou Branch. The rice disaster compensation of rice praised the complete cost insurance of rice. These three farmers are all local grain farmers. In early June, they purchased "complete rice cost" insurance. During the "6.20 heavy rain", the rice they planted was destroyed by floods. After the insurance company understands the situation, it will send someone to the field to investigate the damage in time and pay for it.

It is understood that the total cost of rice planting in Luzhou is about 1,200 yuan per mu. If natural disasters are caused by loss, insurance companies will claim claims in accordance with the total cost insurance of 400 yuan per acre of rice insurance with a maximum of 1,000 yuan per mu. As of the end of August, the PICC Property Insurance Luzhou Branch has underwent the full -cost insurance supplementary insurance for rice with a total cost of rice.

The PICC Property and Casualty Insurance Luzhou Jiangshan Branch and the agricultural technical experts jointly carried out the production of post -padded management demonstration fields. Photo by Zhou Long

Local characteristics agricultural insurance provides a strong guarantee for the stronger and stronger agricultural industry, and plays an irreplaceable role in mobilizing farmers' production enthusiasm and promoting the healthy development of the characteristic agricultural industry. The Luzhou Banking Insurance Regulatory Bureau actively promotes the development of local specialty agricultural products insurance and helps the cultivation of advantageous and characteristic industries. Lujiang District Pig Price Index Insurance, Changshan County Oil Tea Low -temperature Meteorological Index Insurance, Caicheng District "One Village and Thousand Trees" precious trees insurance, Kaihua County Qingshui Fish breeding, Chinese medicinal materials and Chinese bee breeding insurance, Jiangshan City Lake Sheep Breeding Insurance, Jiangshan City Longyou County Lotus Seed Planting Insurance has initially formed a good situation of "one county and multi -quality".

The breeding of food and waterfish in Kaihua County is currently gradually developed by farmers 'sporadic breeding to large -scale. The requirements for the natural environment are high. Flood disasters and pests are the main factor affecting farmers' income. In response, the PICC Property Insurance Luzhou Branch took the lead in launching the province's county -level specialty aquaculture insurance project -Kaihua Clear Waterfish breeding policy insurance.

During the insurance period, the death weight of insurance fish due to natural disasters and diseases reached more than 100 pounds and the collapse of natural disaster accidents and drilling can be compensated. 80%of the premiums are borne by local finances, and 20%of the aquaculture of waterfish is borne. At present, the cumulative over 80,000 square meters of waterfish breeding area has been guaranteed by this type of insurance.

"Destructory service for the escort of the industry" -This is the representative of the waterfish farmers of the Kaihua County Fisheries Association on the banner on the Jinqi Banner of the Property Insurance and Insurance Company.

Serve farmers

Meet the demand for diversified insurance protection

With the aging of rural population, farmers' demand for medical and pension insurance is becoming stronger and stronger. The Luzhou Banking Insurance Regulatory Bureau actively explores the improvement of the pension security system, guides insurance companies to strengthen farmers' demand surveys, prevent farmers from returning to poverty due to illness, ensuring that they are old, and provide a package of risk protection for key groups.

The Luzhou Banking Regulatory Bureau and the Luzhou Medical Insurance Bureau and other departments actively explore commercial supplementary medical insurance within their jurisdiction to achieve zero thresholds, wide responsibilities, and settlement of "one -stop". At the same time, the guidance agencies have developed exclusive products for low -income farmers, continuously improved the multi -level medical security system, and promoted the construction of a common prosperity demonstration area.

Focusing on the needs of new industries, new industries, and various flexible employees in rural areas, the Luzhou Banking Insurance Regulatory Bureau has strengthened surveillance guidance, accelerated the promotion of exclusive commercial pension insurance, and constructed a multi -level and pillar pension -care insurance system.

"After the 50th" Ms. Zheng chose the takeaway distribution industry with a lower threshold after retirement. On the one hand, she enriched life and increased economic income and reducing the burden on their children. Considering the future pension problem, Ms. Zheng purchased Xinxiangbao products from the Luzhou Branch of China Life Life, chose the annual premium fees of 5,000 yuan, and started receiving every month at the age of 60 to save the next pension money for herself.

Since September 2021, China Life, as one of the first batch of participating in exclusive commercial pension insurance pilot companies, actively fulfills the responsibility of improving the people's livelihood and improvement of people's well -being. The business model innovation of the new format and the flexible employment group of endowment protection needs.

China Taibian Property and Insurance Luzhou China Branch achieved low -income farmers' claims "no need to run at a time." Photo by Xie Shujun

Serve the countryside

Continue to deepen the quality and efficiency of insurance services

The vast county and rural areas, especially the 26 counties of mountainous areas, are the key areas of financial support for the construction of a wealthy demonstration area. Based on the actual reality of the Luzhou rural insurance services, the Luzhou Banking Insurance Supervision Bureau urged the insurance companies within its jurisdiction to work hard to improve the "agriculture, rural" service level, and assume social responsibilities while looking for differentiated development opportunities.

The Luzhou Banking Insurance Regulatory Bureau encourages insurance institutions to further sink the focus of service, strengthen cooperation and work in terms of service channels and other aspects, and improve the insurance coverage of county -level administrative areas, townships, and administrative villages in the form of border joint compensation. Provide basic financial services and open up the "last mile" of agricultural insurance. At the same time, new technologies are actively using new technologies to promote basic financial services towards natural villages with remote locations and blank services.

Choose insurance type, input area, submitted information, signing confirmation, payment premiums ... On August 26, under the guidance of Qiu Huiping, manager of the Agricultural Insurance Department of the PICC Property Insurance, the Gongkeng Township of Yinkeng Township, Kaihua County 150 acres of single -quarter rice successfully insured rice planting insurance.

"When this online insurance is insured, we run in the field every day, especially in summer, the outdoor temperature exceeds 40 ° C. It is really impossible to eat. Now we can telephone or video to guide farmers to insure online. Both parties can run less. It's just insured. If you need to make a claim, you can click on the phone. "Qiu Huiping said. In order to improve the insurance rate of small farmers, the PICC Property Insurance Luzhou Branch adopted a one -to -one house promotion model. Agricultural insurance business personnel come to guide farmers to register and use them, issue operating panking, and allow one -stop underwriting and claims to enter farmers' business production. At present, agricultural insurance services are unanimously welcomed by farmers in Luzhou City. In August, 97%of the central and provincial insurance types of the insurance company in August were insured through through direct traffic.

This year, the Provincial Department of Agriculture and Rural Affairs and the Zhejiang Banking Regulatory Bureau, the Provincial Department of Finance, and the PICC Property & Casualty Company jointly developed and constructed the Digital Reform Application Platform of the Zhejiang Agricultural Insurance System- "Zhejiang Agricultural Insurance Services" in June. Provincial promotion has achieved one -click insurance, one -click compensation, integration financing, one -map risk control, one table supervision, one network joint farmer's "six one" scene, and strives to create a convenient service port for farmers' participation in insurance. The rapid reaction passage of claims, precision wisdom controllers for agricultural disaster risk prevention supervision, and "rural insurance+financial function consortium".

In order to broaden the service field, the Luzhou Banking Insurance Regulatory Bureau also guided insurance companies within their jurisdiction to strengthen the precise connection of insurance services with the reform of the "county and township integration, scratching into" reform, and provide strong insurance for party building leaders, overall intelligence governance, industrial revitalization and other aspects Assure.

In 2019, Luzhou took the lead in the province to propose the concept of creating future rural areas. In February of this year, under the leadership of the government, 26 makers formed the Xikou Youth Federation to jointly explore the development and research journey of research curriculum through school -land cooperation.

As a member of the co -construction alliance, Ping An Property and Casualty Insurance Luzhou Branch has customized a package of insurance security plans around the construction of rural construction in the future. Most of the participants in the "study tour" are minors, and the pain points of insufficient self -protection and risk resistance capabilities. Accidental medical responsibility, the safety risk of safety during the research process.

Ping An Property and Casino Luzhou Middle Branch is a tailor -made research insurance for the Youth Federation of Xikou. Jiang Wenwen

Up to now, Ping An Property and Casino Luzhou China Branch has escorted more than 20 sub -research activities. In addition, in response to the hostel economy driven by the "research tour" and possible business risks, Ping An Property and Casualty Insurance, Luzhou Zhongzhi is a hostel tailor -made hotel products for Xikou Town, providing all -round risk protection such as property, employees, and public security Let the development of the homestay move forward without worry; customize the happy family insurance for the volunteers of Xinxi community in Xikou Town, take the accident and medical risk protection, and build the risk of Xikou Town in all aspects to resist the wall.

Correspondent Li Qiaolu reporter Zhao Qi Zheng Qian

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