险企加速布局 低空保险

Group 1 - The national government has been continuously releasing policy dividends, providing a clear development framework for the low-altitude economy, with low-altitude insurance being included in the government work report for the first time in 2024 [1] - Over 30 insurance companies in China are currently engaged in low-altitude insurance, offering more than 100 products that cover various types of risks, including aircraft property loss, third-party liability, and personal accidents [1] - The industry is accelerating the establishment of systems and standards, with the first national drone application insurance standard introduced in 2022 and the first regional demonstration clauses for unmanned aerial vehicle third-party liability insurance released in 2024 [1] Group 2 - The first low-altitude economic co-insurance body in China was established in Chongqing in August 2025, with 19 member units signing cooperation agreements and launching four exclusive products covering various fields [2] - Major insurance institutions are upgrading their product systems to extend from single-issue coverage to full lifecycle services, with new insurance products being developed to address diverse risks in low-altitude economic scenarios [2] - The insurance service system launched by PICC in Guangdong in May 2025 includes comprehensive coverage for cargo transportation, parking losses during downtime, and extended warranty responsibilities, enhancing the risk protection framework for the low-altitude economy [2] Group 3 - Ping An Property & Casualty is exploring the "insurance + service + technology" model, creating an insurance matrix with over 20 products that comprehensively cover personnel safety, property loss, and third-party liability risks across the low-altitude economy [3] - As of now, Ping An Property & Casualty has insured over 150,000 drones, providing risk coverage exceeding 90 billion yuan, with claims for low-altitude aircraft amounting to over 1.17 billion yuan [3] - The low-altitude insurance system in China still faces challenges, including the need for richer product offerings and deeper collaboration between insurance companies and the industry, but the insurance sector is expected to continue exploring and improving its service capabilities [3]