无人机“交强险”要来了！三部门联手给低空经济上保险

Core Viewpoint - The implementation of the "Implementation Opinions" by the National Development and Reform Commission, the Financial Regulatory Bureau, and the Civil Aviation Administration marks a significant step towards the development of low-altitude insurance, which is crucial for the safety and high-quality development of the low-altitude economy [1][2]. Group 1: Policy Framework - The "Implementation Opinions" consist of six parts and twelve articles, outlining principles for systematic planning, key breakthroughs, collaborative advancement, and steady implementation [2]. - It emphasizes the establishment of a mandatory insurance system for unmanned aerial vehicles (UAVs), akin to compulsory insurance for automobiles, which will be integrated into flight activity approval processes [2][4]. Group 2: Insurance Product Development - The document encourages the development of a comprehensive insurance product system covering the entire low-altitude industry chain, including research, manufacturing, operation, and infrastructure [5]. - It highlights the need for insurance companies to adapt to new business models in the low-altitude economy, promoting the supply of insurance for medium and large UAVs while optimizing traditional manned aircraft insurance [5]. Group 3: Application Scenarios - The "Implementation Opinions" propose targeted insurance solutions for various application scenarios such as agricultural operations, low-altitude logistics, emergency management, and medical rescue, based on the specific risks and management needs of each scenario [6]. - It also encourages collaboration among industry chain leaders to reduce risk costs and supports small and medium enterprises in enhancing their risk defense capabilities through insurance [6]. Group 4: Data Infrastructure and Professional Capability - The document addresses the need for improved data infrastructure to support sustainable insurance operations, proposing the establishment of a low-altitude insurance information platform to facilitate data sharing and risk monitoring [7]. - It emphasizes the importance of enhancing professional capabilities within insurance institutions to better identify and assess new risks associated with low-altitude operations [7]. Group 5: Organizational Support and Timeline - The "Implementation Opinions" outline a clear organizational structure for implementing low-altitude insurance, with specific responsibilities assigned to various regulatory bodies [8]. - A phased timeline is set, aiming for the establishment of a mandatory UAV insurance system by 2027 and a comprehensive low-altitude insurance policy framework by 2030, indicating the growing importance of low-altitude insurance in the economic system [8].