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拓展保险保障范围!首台(套)首批次综合保险示范条款及配套的承保理赔服务指引发布
Zhong Zheng Wang· 2025-09-06 06:55
Core Viewpoint - The China Insurance Industry Association has released trial versions of comprehensive insurance demonstration clauses for major technological equipment and new materials, along with accompanying underwriting and claims service guidelines, aimed at enhancing insurance services for technological enterprises and promoting high-quality development in the insurance sector [1][2]. Group 1: Insurance Demonstration Clauses - The released demonstration clauses include five main insurance clauses for major technological equipment, such as liability insurance and quality assurance insurance, and three main insurance clauses for new materials, including liability insurance and domestic transportation insurance [1][2]. - The new clauses allow production enterprises to negotiate insurance types and rates with insurance companies based on risk characteristics like technological maturity and historical claims levels, leading to more precise insurance services and efficient compensation policies [1][2]. Group 2: Service Guidelines - The service guidelines, a first for the China Insurance Industry Association, fill a gap in the industry by providing unified practical regulations for the first set of equipment and materials, covering risk assessment, underwriting, premium payment, claims reporting, and management processes [2]. - The guidelines aim to standardize the insurance service process for the first set of equipment and materials, enhancing service quality and ensuring compliance with self-regulatory requirements [2]. Group 3: Future Directions - The insurance industry aims to continuously improve its risk management and product innovation capabilities in serving technological innovation, promoting self-regulation in comprehensive insurance for the first set of equipment and materials, and supporting the construction of a strong manufacturing nation [3].