近日，平安财产保险股份有限公司深圳分公司（以下简称"平安产险深圳分公司"）与深圳市中医肛肠 （福田）医院签署创新合作协议，标志着全国首个"医疗设备全生命周期保障保险"正式落地。该项目成 功将80万医疗设备维修费用转化为保险保障，纳管全院2200+台套设备，首次将医疗设备维修费用补偿 与使用安全保障纳为一体，也是"保险+服务+科技"三位一体的风险管理模式在医疗装备领域的首次实 践，推动医疗设备风险管理正式迈入专业化、数字化新阶段。 省心： "1+N"生态发展模式，做实全周期保障 监护仪突然电路故障，呼吸机出现气路泄漏，CT设备停机无法使用……如果医疗设备出现问题，应该 怎么办？作为设备维修风险转移的重要方式，平安产险深圳分公司开发的全国首个"医疗设备全生命周 期维修费用损失补偿条款"，聚焦因设备出现故障、隐患而产生的维修、重置损失，并附加第三者责 任。全面保障因设备维修过程中，发生意外事故导致第三者的人身伤亡或财产损失。医疗设备全生命周 期保障保险的成功落地，不仅填补了医疗设备风险管理领域的市场不足，更开创性构建了"1+N"生态发 展模式。以设备保险为战略支点，通过专业化服务团队、数智化管理平台、原厂级供应链体 ...

Core Insights - The company is committed to leveraging insurance services to support the high-quality development of Shenzhen, aligning with national strategies and local economic goals [1][4][6] Group 1: Innovation in Insurance Products - The company launched four innovative weather-related insurance products, including "Low Altitude Weather Insurance" and "Infrastructure Weather Insurance," to address meteorological risks in emerging industries [2][3] - The company introduced the first "Calculation Chain Insurance" in the country, providing risk coverage for a well-known data enterprise, enhancing competitiveness in the digital economy [2] - In the smart automotive sector, the company is collaborating with academic institutions to develop insurance solutions for new energy vehicles and intelligent driving technologies [3] Group 2: Comprehensive Risk Management Solutions - The company has developed a comprehensive insurance system covering the entire innovation chain, including a trial insurance product for a pharmaceutical company, providing over one million yuan in risk coverage [4] - The company has initiated a data intellectual property insurance product to protect against infringement losses, supporting enterprises in global competition [4] - A new data asset insurance product was launched to assist a smart elderly care technology company in realizing the value of its data assets [5] Group 3: Green Finance and Social Governance - The company has received multiple awards for its contributions to green finance and continues to innovate in the renewable energy sector, focusing on risk management for energy storage and offshore wind power [6] - The company has implemented a governance model for small construction projects, providing over 120 billion yuan in risk coverage to enhance social safety levels [7] - The company is actively participating in cross-border financial innovation and technology finance development, aiming to contribute to the high-quality development of the region [7]

Core Viewpoint - The low-altitude economy in China is rapidly developing, with an annual growth rate exceeding 30%, creating a trillion-yuan market in the airspace below 1,000 meters. The insurance industry is evolving from a passive risk bearer to an active architect of the industry ecosystem, focusing on comprehensive risk management for the low-altitude economy [1]. Group 1: Industry Development - The low-altitude economy has established a complete industrial chain structure, including upstream research and manufacturing, midstream operation services, and downstream application scenarios. Any risk in these segments could lead to systemic impacts [2]. - The demand for low-altitude detection services has surged, with business volume in Chongqing increasing nearly twofold since 2025. However, equipment damage incidents remain a significant challenge [2]. - The introduction of the first "low-altitude aircraft onboard detection equipment loss compensation insurance" serves as a critical breakthrough in establishing a safety net for low-altitude equipment monitoring [2]. Group 2: Insurance Product Innovation - The "new comprehensive low-altitude economy insurance service system" has been developed, expanding coverage to include cargo transport, loss during downtime, and extended warranty responsibilities, thus creating a multi-scenario, full lifecycle risk protection system around eVTOL [3]. - The new insurance products aim to enhance the lifecycle and value retention of eVTOLs, providing significant support for the stability of low-altitude economy enterprises [3]. Group 3: Collaborative Ecosystem - The sustainable development of low-altitude economy insurance relies on deep collaboration in technology empowerment, data sharing, and institutional innovation. Recent developments indicate a shift from "single-point innovation" to "ecological co-construction" [4]. - The establishment of the "Bay Area Low Altitude Economy Research Institute" aims to create a unified low-altitude flight data platform and develop risk assessment models suitable for various scenarios [5]. - The collaboration between Zhongcai Property Insurance and Ping An Property Insurance to form a "New Emerging Risk Research Institute" will integrate resources to create innovative insurance products and service models for the low-altitude economy [5]. Group 4: Market Trends and Challenges - The current trends in low-altitude economy insurance include extending coverage upstream to encompass research, detection, and manufacturing, accelerating technology empowerment through big data and AI, and deepening ecological collaboration [7]. - National policies have been introduced to support the development of the low-altitude economy, with projections indicating that the market size could reach 1.5 trillion yuan by 2025 and 3.5 trillion yuan by 2035 [8]. - Challenges such as slow infrastructure development, weak core technologies, and an underdeveloped market system need to be addressed to enhance the insurance coverage and commercial applicability of low-altitude economy products [9][10].