陕西政策性科技保险 “秦科保”落地

Core Viewpoint - The Shaanxi Financial Regulatory Bureau, in collaboration with several provincial departments, has launched a pilot program for a policy-based technology insurance mechanism, introducing the first inclusive technology insurance products in the country [1] Group 1: Product Overview - Two innovative products, "Qin Ke Puhui Bao" and "Qin Ke Yan Fa Bao," have been introduced to meet the risk protection needs of technology enterprises, focusing on basic risk and research and development activity risks respectively [1] - "Qin Ke Puhui Bao" is the first fixed-amount insurance product specifically designed for small and micro technology enterprises, characterized by comprehensive coverage, ease of application, and low costs [1] Group 2: Financial Support Mechanism - A premium subsidy mechanism has been established, with funding shared between provincial and municipal levels at a ratio of 6:4, allowing the same policyholder to receive up to 1 million yuan in premium subsidies in the first year [1] - A co-insurance body has been formed to jointly underwrite "Qin Ke Yan Fa Bao," with insurance companies covering 50% of the risk, enhancing the willingness to underwrite and addressing the challenges of reluctance to insure [1]