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].

Group 1 - The core viewpoint of the article highlights the successful launch of the first agricultural breeding project research interruption insurance in Hainan, providing a risk guarantee of 100,000 yuan for the South Breeding Project undertaken by the Guangdong Academy of Sciences Hainan Industrial Technology Research Institute [2][3] - The insurance specifically addresses high-risk challenges in agricultural breeding, covering losses due to unexpected damage to breeding materials, sudden failures of key research equipment, and loss of core research data [2][3] - The introduction of this insurance product has generated positive responses within the South Breeding research community, with multiple research institutions actively inquiring about related insurance products [2] Group 2 - The successful implementation of this insurance marks a significant step for the PIC Hainan branch in supporting the national seed industry revitalization strategy and safeguarding key core technology breakthroughs in the seed industry [3] - This insurance expands the coverage to the plant breeding field for the first time, providing a new protection pathway for research activities in the South Breeding Silicon Valley [3] - The company plans to continue close collaboration with South Breeding research units and relevant departments to promote innovative insurance products, reduce insurance costs, and enhance service responsiveness [3]