Core Insights - The upcoming 15th National Games (referred to as "15th Games") is approaching, highlighting the growing importance of sports insurance as a safety net in the sports sector [2] - Sports insurance has evolved from "single post-compensation" to "full-process risk management," driven by the needs of large-scale events and market demands [2][4] - The insurance industry is facing both opportunities and challenges in the context of large sports events, necessitating enhanced risk assessment and service capabilities [3][4] Group 1: Opportunities in Sports Insurance - The 15th Games presents diverse scenarios such as torch relay, equestrian events, and esports, providing ample space for product innovation in sports insurance [3] - Participation in major events allows insurance companies to accumulate risk data and optimize actuarial models, enhancing their expertise in the sports insurance field [3][4] Group 2: Challenges in Sports Insurance - Risks such as "sports injuries, facility damage, and cybersecurity incidents" require insurance companies to possess precise risk assessment capabilities [3] - The complexity of "cross-regional collaboration" among the Guangdong-Hong Kong-Macao Greater Bay Area necessitates unified regulatory compliance and claims coordination [3] - The need for product innovation must balance "comprehensiveness" and "operability," particularly in areas like cybersecurity insurance [3] Group 3: Innovations in Insurance Services - Insurance companies are developing customized protection plans and innovative service models to enhance their service capabilities for the 15th Games [4] - A comprehensive insurance protection system has been established, covering group accident insurance, public liability insurance, organizer liability insurance, and property insurance [4][5] - Specialized claims teams have been formed to ensure efficient and orderly claims processing during the event [5] Group 4: Policy and Market Drivers - The rapid development of sports insurance is supported by policies and market demand, with national strategies like "Sports Power" and "Healthy China" driving growth [6][7] - The People's Bank of China and other regulatory bodies have issued guidelines to enhance financial support for the sports industry, promoting investment and infrastructure development [6] - The sports consumption market has seen a compound annual growth rate of over 13% since 2020, with projections indicating a market size of 2.8 trillion yuan by 2025 [7] Group 5: Future Directions for Sports Insurance - The sports insurance industry faces challenges such as "severe product homogeneity" and "insufficient risk data reserves," necessitating a focus on upgrading through experiences from major events [8] - Product innovation should adopt a "scenario-based, differentiated" approach, developing tailored products for various sports contexts [8][9] - Public education and awareness campaigns are essential to improve understanding and acceptance of sports insurance among consumers [9] - Collaboration with sports authorities and technology companies can enhance product implementation efficiency [9]
揭秘十五运护航方程式：如何构建万亿产业“安全底座”
Nan Fang Du Shi Bao·2025-08-20 12:13