人形机器人加速“上岗” 保险创新为“工伤”买单

Group 1 - The core viewpoint of the articles highlights the rapid emergence and commercialization of humanoid robots and embodied intelligence in China, with significant market growth projected by 2025 [1][2] - The embodied intelligence market in China is expected to reach 5.295 billion yuan, accounting for approximately 27% of the global market, while the humanoid robot market is projected to reach 8.239 billion yuan, representing about 50% of the global market [1] - The insurance industry is actively developing specialized insurance products to mitigate risks associated with humanoid robots, addressing concerns over high repair costs and new types of risks such as network attacks and data breaches [1][3] Group 2 - Various local policies have been introduced to encourage the insurance sector to support the development of intelligent robots, including subsidies for insurance premiums [2] - Insurance companies like PICC Property and Casualty, Ping An Property and Casualty, and Taikang Property and Casualty have launched specialized insurance plans for humanoid robots, covering risks such as bodily damage, third-party liability, and employer liability [3] - Experts emphasize the need for collaboration among insurers, robot manufacturers, application enterprises, and research institutions to build a comprehensive risk database, which will aid in precise pricing and product innovation for insurance [4]