《实施意见》提到，引导保险机构会同低空航空器制造、运营企业加强对低空新型风险的研究，提升可 保风险识别、评估能力；完善经营管理，逐步推进数据积累，积极运用风险量化模型和风险评估工具， 提升产品开发科学性、费率厘定精准性。支持再保险机构充分发挥风险研究、精算定价、风险分散等功 能作用。支持保险专业中介机构发挥专项专长，辅助承保理赔。加大专业人才培育力度，加强从业人员 专业能力建设。 北京商报讯（记者 李秀梅）2月12日，国家发展改革委、金融监管总局、中国民航局发布《关于推动低 空保险高质量发展的实施意见》（以下简称《实施意见》）。 ...

Core Insights - The rapid development of the low-altitude economy presents both significant opportunities and unprecedented risk management challenges, necessitating comprehensive insurance solutions [1][2][3] Industry Overview - The low-altitude economy encompasses four main sectors: low-altitude equipment manufacturing, flight safety assurance, operational services, and comprehensive services [2] - As of November 2024, there are nearly 19,000 drone operating companies in China, with 2.158 million registered drones, and drone flight hours reached 25.449 million, a 15.3% increase year-on-year [2] - The market size of China's low-altitude economy is projected to exceed 1.5 trillion yuan by 2025 and reach 3.5 trillion yuan by 2035 [2] Regulatory Environment - The implementation of the "Interim Regulations on the Management of Unmanned Aerial Vehicle Flights" mandates insurance for commercial drone operations, highlighting the growing importance of insurance in the low-altitude economy [3][4] - Regulatory requirements are aimed at enhancing risk management, compliance, and public safety within the industry [4] Insurance Market Response - Insurance companies are actively developing specialized insurance products to meet the risk management needs of the low-altitude economy, including property, liability, and accident insurance [5][6] - As of October 2024, several insurance products have been launched, including "low-altitude aircraft exclusive insurance" and "low-altitude insurance" tailored for specific regions [5][6] Challenges in Insurance Coverage - Current insurance products primarily focus on third-party liability and hull insurance, lacking coverage for cargo loss and operational interruption scenarios [8] - The rapid evolution of drone technology and the dynamic nature of associated risks necessitate more customized and flexible insurance solutions [8][9] Future Directions - There is a need for a unified national framework for low-altitude economy insurance, including standardized clauses and collaborative legislative efforts to enhance operational effectiveness [10] - The development of specialized insurance products, such as operational interruption and cargo transport insurance, is essential for comprehensive risk coverage in the low-altitude economy [10]