近年来，鼎和保险围绕新型能源体系建设和新型电力系统建设，着力建强风险减量管理 能力，在服务能源新质生产力发展中超前布局，逐步建立起差异化竞争优势。鼎和保险充分 考量自身战略定位和经营特色，超前布局新型电力系统领域保险，立足"能源行业保险专 家"战略定位，于2021年成立国内首个新型电力系统保险研究中心，建立新型电力与能源保 险事业群，围绕"源网荷储碳数"核心领域，聚焦清洁能源、数字电网、负荷资源、储能产 业、电碳市场五大重点，研发电化学储能系列及知识产权等19款创新产品，其中9款属行业 首创。鼎和保险依托自身资源禀赋，打造创新研究平台，深入探索保险与能源的深度融合和 发展路径，打造能源保险领域具有行业影响力的创新研究平台。近年来，陆续发布行业首份 《新型电力系统保险产品创新及顶层设计规划研究》《电化学储能保险发展研究报告》等具 有行业影响力的领先研究成果，牵头编制《电化学储能电站保险风险评估指引》。课题成果 《"双碳"目标下碳保险发展研究及政策建议》作为唯一金融保险领域案例入选国务院国资委 发布的国资国企优秀研究成果集。 结合储能技术多维度应用场景，鼎和保险创新推出"储能保"等6款储能专属保险产品， 覆盖储能 ...

Group 1 - The core issue facing electric vehicle owners is the anxiety over battery lifespan and the high costs associated with battery replacement, which can exceed the cost of purchasing a new vehicle [1] - The insurance industry has not yet developed products to address battery degradation concerns due to data deficiencies and high technical barriers [1] - A new insurance product, "New Energy Vehicle Battery Capacity Guarantee Insurance," has been launched in Sichuan to alleviate consumer concerns by covering battery replacement or repair if degradation exceeds agreed limits [2] Group 2 - The insurance product includes a comprehensive service system that monitors battery health and provides timely interventions to reduce degradation rates [2] - The insurance company faces challenges in pricing due to the variety of battery types and usage patterns, which affect risk assessment [2] - The insurance sector is also expanding into the energy storage market, with products designed to cover the entire lifecycle of energy storage systems, addressing risks such as capacity degradation and market fluctuations [3][4]