Core Viewpoint - The insurance industry acts as a stabilizer for social and economic development, providing risk protection for technology research, results transformation, and industry promotion, especially in the context of rapid technological innovation [1]. Group 1: Action Plan Overview - On January 22, the Shenzhen Municipal Financial Management Bureau released the "Action Plan for the Insurance Industry to Support Technological Innovation and Industrial Development (2026-2028)", which includes sixteen policies covering multiple emerging technology fields [2]. - The plan aims for an average annual growth rate of over 10% in technology insurance premium income by the end of 2028, providing over 5 trillion yuan in risk protection for technology enterprises each year [2]. - The total assets of insurance legal entities in Shenzhen are expected to exceed 11 trillion yuan, with three-year premium income surpassing 700 billion yuan [2]. Group 2: Customized Insurance Services - The plan highlights the development of tailored insurance services for emerging technology fields such as artificial intelligence and low-altitude economy, encouraging insurance institutions to innovate products that meet industry needs [4]. - It promotes research in cutting-edge technologies like humanoid robots, quantum technology, commercial aerospace, and brain-machine engineering, and encourages the development of inclusive technology insurance products [4]. Group 3: Low-altitude Economy and AI Insurance - The plan accelerates the development of low-altitude insurance, including mandatory insurance for drones and the establishment of a classification management system for drones [5]. - It encourages insurance institutions to develop commercial insurance products for high-risk scenarios in low-altitude logistics and eVTOL [5]. - For artificial intelligence, the plan supports the establishment of innovation centers and the development of comprehensive insurance solutions covering risks related to computing power, cybersecurity, and data security [4]. Group 4: Cross-border Insurance and International Cooperation - The plan emphasizes strengthening cooperation between Shenzhen and Hong Kong in the insurance sector, supporting the development of medical and pension insurance products with characteristics of the Greater Bay Area [7]. - It aims to enhance insurance protection for enterprises going abroad, utilizing export credit insurance policies and promoting comprehensive service systems for overseas operations [8]. Group 5: Expansion and Quality Development of the Insurance Industry - The plan supports the establishment of subsidiaries by domestic and foreign insurance institutions in areas such as asset management, industrial investment, and healthcare [9]. - It encourages insurance institutions to explore the establishment of innovation centers focused on key sectors and to enhance data cooperation with key industries [9].