Zhong Guo Zheng Quan Bao·2026-02-25 20:54Core Viewpoint - The discussion around humanoid robots remains active during the Spring Festival, with advancements in embodied intelligence technology pushing these robots from laboratories into everyday life. The insurance industry is beginning to adapt by offering tailored insurance products for humanoid robots, which is seen as a way to support the healthy development of the robot industry and enhance the integration of finance and innovation [1][2]. Group 1: Insurance Offerings - Major insurance companies are developing customized insurance plans for humanoid robots, focusing on two main areas: body loss insurance and third-party liability insurance [2]. - China Pacific Insurance has launched a specialized insurance product called "Smart Insurance" designed for the commercial application of humanoid robots, covering risks across the entire production, sales, rental, and usage chain [3]. - Ping An Insurance has introduced a comprehensive financial solution for embodied intelligence, integrating various risk scenarios into tailored insurance products to encourage R&D and pilot applications [3]. Group 2: Challenges in Risk Assessment - The lack of historical data and the rapid technological evolution in the humanoid robot sector pose significant challenges for insurance companies in pricing and claims processing [4]. - Insurers are establishing dynamic risk assessment systems to better quantify risks associated with humanoid robots, utilizing diverse methods to gather more reference data [4][5]. - The insurance industry is encouraged to enhance its risk identification and assessment capabilities through collaboration with government and industry associations to build a comprehensive risk database [7]. Group 3: Future of Technology Insurance - The insurance sector is expected to increasingly integrate with cutting-edge technology industries, including humanoid robots, driven by policy support and rising industry demand [7][8]. - Local governments are promoting technology insurance, encouraging insurance institutions to innovate products for emerging technologies like humanoid robots and quantum technology [8]. - The development of new technology insurance products is anticipated to transition from merely risk coverage to providing deeper empowerment for industries [8].