头部险企深度“渗透”低空经济

Core Insights - Ping An Property & Casualty has insured over 150,000 drones, providing risk coverage exceeding 90 billion yuan, with compensation amounts surpassing 1.17 billion yuan for drones and aircraft [1][2] Group 1: Low Altitude Economy Development - The low altitude economy is recognized as a strategic emerging industry during the 14th Five-Year Plan, transitioning from policy trials to large-scale applications, including drone logistics, urban air traffic, and emergency rescue scenarios [2][3] - The complexity and risks associated with low altitude flying activities necessitate the role of insurance as a critical component for commercial viability [2][3] Group 2: Insurance Product Development - Ping An Property & Casualty aims to develop specialized insurance products tailored to the entire low altitude economy industry chain, addressing risk management needs while leveraging its technological capabilities for risk reduction [2][3] - The company has established a new risk research institute in collaboration with Zhongcai Property & Casualty, focusing on risk points throughout the operational processes of low altitude activities [2][3] Group 3: Emerging Risk Management - The "White Paper" highlights that low altitude economy presents unique challenges compared to traditional aviation and ground transportation, requiring targeted safety and risk prevention systems [3] - The demand for low altitude economy insurance is expected to exhibit characteristics of "full chain, high adaptability, and strong professionalism," covering various aspects from flight activities to data security and navigation system failures [3] Group 4: Future Industry Integration - By 2035, the low altitude economy is projected to expand to a scale of 3.5 trillion yuan, necessitating insurance to permeate every segment of the low altitude economy [4] - The "White Paper" suggests that the insurance industry should innovate product offerings, optimize business models, enhance service capabilities, and improve supporting measures to facilitate high-quality development of the low altitude economy [4][5]