总保费规模超过1.5亿元 网络安全保险服务试点工作成效明显

Core Insights - Cybersecurity insurance is an emerging insurance type that provides coverage against cybersecurity risks, playing a crucial role in the construction of a socialized cybersecurity service system [1] - The first batch of cybersecurity insurance service pilot work in China has been successfully completed, with over 1,500 policies issued to enterprises, totaling more than 150 million yuan in premiums and nearly 11.5 billion yuan in coverage [1] - The rise of cybersecurity insurance is a natural outcome of the digital economy, as both enterprise data and personal information are potential targets for cyberattacks [1] Group 1: Policy and Market Development - In July 2023, the Ministry of Industry and Information Technology and the Financial Regulatory Bureau jointly issued the first policy document for the cybersecurity insurance sector, promoting its healthy development [2] - By March 2024, the Ministry released a directory of 49 typical cybersecurity insurance service plans, including 36 for enterprises and 13 for product services, involving 11 insurance companies and 2 insurance intermediaries [2] - New service models targeting key industries are emerging, such as comprehensive cybersecurity insurance solutions that address risks from DDoS attacks and data breaches [2] Group 2: Product Diversity and Challenges - As of the end of 2024, 53 insurance companies have registered 341 cybersecurity insurance products, with 56 new products introduced in 2024, covering innovative areas like software supply chain liability [3] - Despite the growth, the market faces challenges such as a lack of data on cybersecurity risks, which complicates accurate pricing and leads to product homogeneity [4] - The complexity of cyberattacks makes claims processing difficult, with indirect losses like business interruption and reputational damage being hard to quantify [4] Group 3: Data and Market Cultivation - Data is fundamental for the development of cybersecurity insurance, with the Ministry emphasizing the need for improved cybersecurity service platforms and data sharing mechanisms to support accurate pricing [5] - Industry experts highlight the necessity for multi-stakeholder collaboration to promote market development, suggesting that key infrastructure operators and public sectors should integrate cybersecurity insurance into their security frameworks [6]