"原来咱们住的房子，连外墙都能上保险？"在宁波"好房子"建设成果展上，鄞州区居民王先生站在人保 财险展台前，看着无人机生成的外墙隐患热力图和爬墙机器人探测房屋安全隐患的实时演示，不禁感 慨。他刚经历过小区外墙维修，"以前总觉得房屋老化是'没办法的事'，现在才知道，有高科技监测、 有专业团队、还有保险兜底——住得安心多了！" 这一幕，正是人保财险宁波分公司十年深耕住房安全治理的缩影。自2015年在全国率先推出城镇住房综 合保险（简称"城房险"）以来，分公司以"政府引导、市场运作、科技赋能、风险减量"为核心，构建起 覆盖城乡、贯穿全生命周期的住房安全保障体系，蹚出了一条保险深度参与城市安全治理的新路径。 从"事后补救"到"事前预防"：科技重塑住房安全防线 政企协同，构建多元共治新格局 住房安全不仅是民生问题，更是城市治理课题。作为全国城镇房屋安全管理"三项制度"（房屋体检、房 屋养老金、房屋安全保险）试点城市，宁波将保险机制深度嵌入政府治理链条。人保财险宁波分公司创 新打造"政企合作、监测服务、平台调度、智库参与"四位一体治理体系，联动住建部门、社区、物业形 成网格化巡查网络，实现城乡住房保险"同城同政"、一体化 ...

转自：新华财经 近年来，中国人寿财产保险股份有限公司曲靖市中心支公司（以下简称"公司"）深入践行金融服务实体 经济根本宗旨，以数字化转型为抓手，全方位服务曲靖经济社会高质量发展。 科技赋能，农险转型成效显著。公司构建"天空地"立体化服务体系，全面应用3D猪脸识别、AI智能点 数及卫星遥感技术。在会泽、富源等地，通过无人机与AI算法精准识别规模化养殖场387个，验标误差 率降至0.5%以内，查勘效率提升3倍以上，解决了标的信息不精准、理赔慢的难题。 精准滴灌，护航高原特色农业。针对曲靖羊肚菌等特色产业，公司创新推出"保险+企业+农户"模式。 面对2025年春季大风灾害，公司迅速启动科技理赔，快速完成羊肚菌大棚定损赔付15.81万元，为农户 恢复生产提供坚实保障，赢得了客户赞誉。 多元保障，服务实体经济发展。公司聚焦中小微企业，今年以来累计提供综合风险保障426亿元，缓解 融资压力6.45亿元。同时，大力发展绿色金融与科技保险，提供风险保障超588亿元；为高危行业提 供"安责险"保障12.09亿元；连续三年支持"惠民保"项目，护航民生福祉。 未来，公司将继续加大农业保险投入，扩大保障覆盖面，持续深化"科技+保险" ...

Core Insights - The low-altitude economy has been officially recognized in the 2024 government work report, with a target to develop a trillion-level market by 2030 [1] - Fanmo Technology has emerged as a pioneer in low-altitude insurance, leveraging a "technology + insurance" model to support the standardized development of China's low-altitude economy [1] Company Development - Fanmo Technology was established in 2015, coinciding with the rise of the drone consumer market, and identified a gap in low-altitude insurance offerings [2] - The company launched the world's first comprehensive commercial drone insurance, "Fanmo Feibao," addressing the industry's insurance void and revitalizing market growth [2] Industry Milestones - In 2017, Fanmo successfully handled the first drone insurance claim, establishing itself as a benchmark in the industry and demonstrating the value of drone insurance to users and insurers alike [4] - By 2019, the company adopted a dual strategy to enhance service efficiency, offering customized services to users and professional support to insurance companies [5] Service Efficiency - In 2021, Fanmo implemented a "dynamic insurance solution" for a major drone logistics company, showcasing its ability to adjust premiums based on real-time risk and complete claims processing within 48 hours [7] - The company has developed three core products—Fanmo Feibao, Fanmo You+, and Fanmo Yun e—to balance the needs of insurance companies and users, creating a complete "data-service-technology" loop [7][8] Product Innovation - The core product "Fanmo Feibao" now integrates drone and low-altitude insurance, offering various scenario-based protections [8] - "Fanmo You+" provides comprehensive claims services, while "Fanmo Yun e" offers a pricing engine to assist insurance companies in their drone insurance operations [8] Market Position - After ten years, Fanmo has established a significant market presence, covering all 31 provinces in China and providing insurance services with a total coverage exceeding 34.2 billion yuan for over 10,000 corporate clients [10] - The company has formed deep partnerships with over 600 drone manufacturers, creating a technology-driven insurance service chain that promotes healthy industry development [10] Recognition and Future Direction - Fanmo has received multiple accolades, including "Pioneer Enterprise in China’s Drone Industry" and "Global InsurTech Case Award," and holds over 30 software copyrights [10] - The company aims to continue its dual-driven strategy of "technology + insurance" to enhance its technical capabilities and service levels, contributing to the safe and healthy development of the low-altitude economy [10]