保险业协会发布首台（套）首批次综合保险示范条款及配套承保理赔服务指引

Core Viewpoint - The China Insurance Industry Association has released trial versions of comprehensive insurance demonstration clauses for major technological equipment and new materials, along with accompanying underwriting and claims service guidelines, to support the national strategy for manufacturing and technological innovation [1][2]. Group 1: Insurance Demonstration Clauses - The released demonstration clauses include five main insurance clauses for major technological equipment, such as liability insurance and domestic transportation insurance, and three main clauses for new materials, including liability insurance and quality assurance insurance [1][2]. - The service guidelines consist of trial versions for underwriting and claims services, allowing production enterprises to negotiate insurance types and rates based on risk characteristics like technological maturity and historical claims levels [1][3]. Group 2: Industry Impact and Responsibilities - The revision of these clauses is a significant step for the insurance industry to support the real economy and the application of technological achievements, reflecting the industry's responsibility in promoting a strong technological nation [2][3]. - The insurance coverage has been expanded to include risks during the transportation, installation, testing, and acceptance phases, addressing the actual needs of technology enterprises and enhancing the overall level of protection [3]. Group 3: Standardization and Future Directions - The introduction of service guidelines fills a gap in the lack of unified industry practices, providing clear self-regulatory requirements for all business processes related to the first set of insurance [3]. - The insurance industry aims to enhance risk management and product innovation capabilities in the field of technological innovation, promoting the implementation of demonstration clauses and service guidelines to support high-quality development [4].