金融监管总局：强制投保！低空保险迎来新机遇。

Core Viewpoint - The implementation opinion on promoting high-quality development of low-altitude insurance aims to enhance the safety and health of the low-altitude economy, guided by Xi Jinping's thoughts and the principles of systematic planning, key breakthroughs, collaborative promotion, and steady implementation [1][4]. Group 1: Overall Requirements - The goal is to establish a comprehensive, robust, professional, and regulated low-altitude insurance system by 2027, with a preliminary establishment of mandatory insurance for unmanned aerial vehicles (UAVs) and a rich variety of low-altitude insurance products [4][12]. - By 2030, a basic policy framework for low-altitude insurance is expected to be formed, continuously enhancing its role in ensuring the safety and health of the low-altitude economy [4][12]. Group 2: Policy System - Strengthening the low-altitude insurance policy system by integrating insurance into low-altitude economic development planning and encouraging local governments to adopt supportive policies [5][13]. - Incorporating insurance as a key tool for enhancing operational safety regulation and improving accident handling systems [5][13]. - Encouraging low-altitude enterprises, especially UAV manufacturers and operators, to integrate insurance into their internal safety management systems [5][13]. Group 3: Mandatory Insurance for UAVs - Accelerating the establishment of a mandatory insurance system for UAVs, including verifying insurance coverage and developing implementation measures [6][13]. - Creating a regulatory framework for mandatory insurance that includes basic responsibility scope and minimum coverage limits [6][13]. Group 4: Service Guarantee System - Developing a comprehensive insurance product system covering the entire low-altitude industry chain, including research, production, operation, and infrastructure [6][14]. - Enhancing the supply of insurance for medium and large UAVs while optimizing traditional manned aircraft insurance offerings [6][14]. Group 5: Sustainable Operating Capacity - Building a low-altitude insurance information platform to support actuarial pricing and risk monitoring [8][14]. - Promoting data sharing between insurance companies and UAV manufacturers to enhance financial service levels [8][14]. Group 6: Organizational Assurance - Coordinating efforts among the National Development and Reform Commission, the Financial Regulatory Bureau, and the Civil Aviation Administration to implement low-altitude insurance [7][15]. - Strengthening risk prevention measures and ensuring compliance with insurance regulations to protect consumer rights [7][15].