Mei Ri Jing Ji Xin Wen·2025-09-29 14:05Core Insights - Cybersecurity insurance has emerged as a supplementary tool in the digital security field, with recent policies promoting its development in China [1][9] - The market is witnessing active exploration and innovation in cybersecurity insurance products and services, particularly following the joint issuance of guidelines by the Ministry of Industry and Information Technology and the National Financial Regulatory Administration [1][9] Group 1: Market Development - As of September 23, 2025, 22 insurance institutions have registered a total of 125 cybersecurity insurance products, with foreign institutions showing a first-mover advantage [1] - Zurich Insurance (China) leads with 28 registered products, while China Pacific Property Insurance follows with 22 products, marking them as leaders among domestic institutions [1] Group 2: Pilot Programs - Certain pilot regions are transitioning from "inclusive cultivation" to "precise service" in cybersecurity insurance, with Suzhou High-tech Zone in Jiangsu Province being one of the key pilot areas [1][3] - The pilot program in Suzhou aims to promote cybersecurity insurance among at least 100 enterprises, with a full subsidy model to lower the entry barrier for companies [3][5] Group 3: Industry Challenges - The cybersecurity insurance market in China is still in its infancy compared to mature overseas markets, with the overall premium scale remaining relatively small [7] - The lack of historical data poses significant challenges for actuarial departments in the development of cybersecurity insurance products [6][7] Group 4: Service Model Innovation - The pilot program's inclusive cybersecurity insurance plan covers a wide range of risks, including business interruption losses and data recovery costs, addressing actual enterprise needs [3][5] - Insurance companies are exploring refined service models to meet the dual demands of digital transformation and overseas expansion for enterprises [8][9] Group 5: Future Outlook - The cybersecurity insurance market in China is expected to transition from "inclusive cultivation" to "precise service," potentially breaking through scale bottlenecks and becoming a core support for risk protection in the digital economy [9]