Monitoring Contents and Processes of Satellite Based Remote Sensing Technology in Crop Insurance

The insurance for the planting industry, as a core component of agricultural insurance, plays an irreplaceable role in stabilizing agricultural production, ensuring rural economic stability, and safeguarding national food security. Among them, satellite based remote sensings technology, with its unique advantages of efficiency, precision, and comprehensiveness, has opened new paths for precision damage assessment and underwriting in the planting insurance field, providing strong technical support.

Monitoring Content of Satellite Based Remote Sensing Technology in Planting Insurance

The planting insurance business mainly revolves around two core stages: underwriting and claims, and satellite based remote sensings technology plays an indispensable role in both stages.

In the underwriting stage, satellite based remote sensings monitoring products can scientifically evaluate the cultivation capacity of farmland plots. By analyzing various factors such as soil fertility status, topographical features, and water irrigation conditions, it comprehensively judges whether the farmland is suitable for crop planting and the types of crops suitable for planting, providing important evidence for insurance institutions to reasonably determine the underwriting scope and insurance rates. 

At the same time, utilizing the high-resolution characteristics of satellite based remote sensings images, it can precisely extract the distribution information of plots, clearly presenting the boundaries and locations of the farmland to ensure the accuracy of the insured subject.

Entering the claims stage, the monitoring content of satellite based remote sensings is richer and more critical. The dynamic monitoring of crop growth during the entire growth period can track the growth status of crops in real-time, from sowing, germination, growth to maturity, and grasp the growth and development of crops in time. If an abnormal growth trend is found, early warning signals can be quickly issued. 

Disaster situation warning and monitoring utilize the macro-monitoring advantages of satellite based remote sensings to monitor and warn in real-time natural disasters that may affect crop growth, such as floods, droughts, typhoons, etc., to prepare and ensure sufficient response time for farmers and insurance institutions. After a disaster occurs, satellite based remote sensings images can quickly carry out investigation and damage assessment work, accurately evaluating the affected area and degree of crop damage. Finally, combining multiple data and models, a comprehensive and scientific evaluation of disaster losses can be carried out, providing objective and accurate data support for claims settlement.

Monitoring Process of Satellite Based Remote Sensing Technology in Planting Insurance

The monitoring process of satellite based remote sensings technology in planting insurance is a rigorous and efficient systematic project. First, satellites equipped with high-resolution sensors collect data from the target area according to predefined orbits and time cycles. These satellites continuously operate in space, constantly collecting electromagnetic radiation information from the ground, resulting in massive amounts of raw remote sensing data.

After data acquisition, the data enters the preprocessing stage. The preprocessed data then enters the information extraction stage. Using advanced image recognition algorithms and data analysis models, information such as the distribution of crops, growth status, and disaster situations are extracted from remote sensing images. Meanwhile, based on the changes in the spectral characteristics of crops, the health status during their growth process can be monitored, allowing for the timely detection of issues such as pests and diseases.

On the basis of information extraction, in-depth calculations and analysis are carried out using specialized models and algorithms. Additionally, by integrating multi-source information such as meteorological data and soil data, comprehensive analysis models can be constructed, enabling a more comprehensive and accurate assessment of agricultural production risks.

Finally, the results obtained from the analysis and calculations are applied to underwriting and claims stages of planting insurance. In the underwriting stage, accurate information on the insured subject and risk assessment data are provided to insurance institutions, assisting them in devising reasonable insurance schemes and rates. 

In the claims stage, objective and impartial evidence is provided for claims settlements, ensuring that the determination of compensation amounts is scientific and reasonable, thereby safeguarding the interests of both farmers and insurance institutions.