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Core Viewpoint - The implementation of the "Guidelines for Cybersecurity Technology and Cybersecurity Insurance Application" marks a significant shift in the perception of cybersecurity insurance from an optional add-on to a necessity for businesses in the digital economy [1][3][4] Summary by Sections Implementation and Framework - The guidelines will officially take effect on November 1, establishing a comprehensive framework for cybersecurity insurance that includes coverage for economic losses and legal liabilities resulting from cybersecurity incidents [3][4] - The guidelines specify that cybersecurity insurance covers both tangible and intangible assets, addressing risks such as cyberattacks, data breaches, and system failures [3][4] Risk Management and Services - Cybersecurity insurance is positioned not just as a compensation tool but as a core component of organizational risk management, emphasizing the importance of services like emergency response and legal support during claims [3][4][5] - The guidelines provide a systematic application framework that includes risk assessment, underwriting, pricing, daily risk management, emergency response, and claims processes [4][5] Market Development and Trends - The cybersecurity insurance market is expanding, with over 1,500 policies issued during pilot programs, totaling premiums of over 150 million yuan and coverage exceeding 11.5 billion yuan [6] - By the end of 2024, 53 insurance companies have registered 341 cybersecurity insurance products, doubling the number since 2021, indicating a growing market presence [6] Policy Support and Industry Collaboration - Recent policies emphasize the development and promotion of cybersecurity insurance, aiming to enhance insurance coverage levels and support modern industrial systems [7] - Insurance companies are focusing on creating standardized products for small and medium enterprises and collaborating with security firms and legal entities to provide comprehensive support [8] Challenges and Recommendations - Current underwriting capabilities in the cybersecurity insurance sector are limited, with a reliance on foreign insurance support, which restricts the ability to offer flexible and comprehensive coverage [8][9] - There is a need for a shared database for cybersecurity risk losses and a dynamic pricing mechanism to better reflect evolving risks and incentivize improved risk management among businesses [9][10]