SIASUN(SZ:300024) Hua Xia Shi Bao·2025-11-26 14:18Core Insights - The emergence of humanoid robots has created a new market worth hundreds of billions, attracting major insurance companies to develop specialized insurance products to manage associated risks [2][3][4] Group 1: Market Opportunities - Major insurance companies like Ping An, Taiping, and PICC have launched dedicated insurance products for humanoid robots, covering various risks such as damage to the robot itself, third-party liability, cybersecurity, and data breaches [2][4][5] - According to a report by the China Academy of Information and Communications Technology, the humanoid robot market in China is expected to reach a scale of 100 billion by 2035, presenting new business opportunities for insurance firms [3] Group 2: Product Innovations - Taiping's "Smart Insurance" product features three core innovations: comprehensive coverage across the entire supply chain, integrated risk protection, and flexible policy durations that allow for daily, weekly, or monthly coverage [4][5] - PICC has introduced a comprehensive insurance product that combines coverage for robot damage and third-party liability, addressing risks from natural disasters and operational failures [5] Group 3: Industry Challenges - The insurance industry faces challenges in accumulating long-term and systematic accident and claims data for humanoid robots, making it difficult to standardize insurance policies [2][8] - The lack of established international or industry standards for artificial intelligence and humanoid robots poses additional risks, including compatibility and safety issues [8][9] Group 4: Regulatory Support - The Chinese government has proposed measures to support the high-quality development of the artificial intelligence industry, including the implementation of the "Artificial Intelligence+" initiative and financial support for insurance products related to new technologies [11]