Ren Min Ri Bao·2025-12-19 12:35Core Viewpoint - The article discusses the challenges and innovative solutions in protecting China's national treasures, specifically the giant panda and the Sanxingdui cultural relics, through insurance mechanisms. Group 1: Challenges in Protection - The giant panda faces health risks due to its unique digestive system and external threats such as disease outbreaks, exemplified by a deadly virus in 2015 that affected a panda reserve [1] - The Sanxingdui cultural relics are at risk from natural disasters, highlighted by the 2008 Wenchuan earthquake and the 2018 fire at the National Museum of Brazil, which destroyed millions of artifacts [1] Group 2: Innovative Solutions - Two teams from Ping An Insurance faced difficulties in pricing and data availability for insuring these national treasures, leading them to conduct on-site research for solutions [2] - The teams identified a new approach focused on providing insurance for the processes involved in care and restoration rather than the artifacts themselves, leading to the development of two innovative insurance products: one for panda medical treatment costs and another for cultural relic restoration costs [2][3] Group 3: Impact and Significance - The introduction of these insurance products represents a significant shift in the insurance industry, moving from traditional compensation models to proactive support for health and preservation [3] - The efforts reflect a broader cultural significance, emphasizing the importance of historical preservation and national pride in the context of China's cultural revival [3]