深圳湾畔，一具钛银色的人形机器人正缓缓起势，打起太极，每一个推手、转身、云手都行云流水，精 准而柔和。这场表演颠覆了人们对机器人的想象：它的动作流畅得令人忘了它并非血肉之躯。 越来越多在岸边慢跑的市民驻足观看，有人还掏出手机拍摄。这台名为"夏起"的机器人，由深圳具身智 能创业企业数字华夏研发。"夏起"每个动作的协调性与精准度，都彰显着深圳在双足机器人运动控制领 域的突破。 人形机器人产业快速发展的背后，是保险的无声守护。近日，中央广播电视总台"央视财经金融强国 ——大湾区金融之夜"在深圳成功举办。活动以"金融赋能湾区 创新引领未来"为主题，生动展现大湾 区"十四五"期间金融领域改革创新成果。在活动上，平安产险的具身智能综合金融解决方案入选了"大 湾区金融高质量发展典型案例"，并通过短片展示了保险助力人形机器人研发创新的有益探索。 中国平安董事会秘书兼品牌总监盛瑞生出席活动并参加对话环节。他表示，为助力高水平科技自立自 强，平安充分发挥综合金融优势，保险、银行、证券、租赁等各个成员公司紧密协同，打造"投、保、 贷"一揽子综合金融解决方案，构建起多层次的金融支持体系，为科技创新企业提供覆盖研发、生产、 运营、销售 ...

在业内人士看来，当前，人形机器人专属保险只是当下人工智能与保险业深度互嵌的一个微小切面。 2025年已成为人工智能在保险业应用的转折之年，保险业在人工智能领域深度融入产品设计、核保理赔 等环节，正实现"人工智能提效保险，保险护航人工智能"的循环。 保险创新从实验室走到商业场景 为机器人上保险，这已不再是科幻小说的情节。敏锐的保险机构正在系统性布局这片蓝海。人形机器人 专属保险落地全国首单后，多家保险公司迅速跟进。 当一个价值不菲的传感器臂腕在调试中意外损伤，意味着一笔不小的研发损耗与进度暂停。如今，这一 幕带来的焦虑将被大大缓解，保险公司开始相继研发专为人形机器人设计的产品。12月9日，北京商报 记者梳理发现，已有中国人保、中国太保在内的多家保险公司推出人形机器人专属保险方案，涵盖本体 损失险等多个险种。 "保险业对人工智能产业的保障，是技术落地的关键支撑。"资深人工智能专家郭涛表示，针对人工智能 产品推出的侵权责任、设备损失等专属保险，精准覆盖了人工智能应用中的各类风险，解决了科技企业 推广新技术时的顾虑，直接推动了人工智能相关技术的商业化，形成"人工智能提效保险、保险护航人 工智能"的双向正循环，既拓宽了 ...

政策东风也在为这场融合加速。今年以来，多地陆续发布支持人形机器人发展的政策文件，鼓励相关保险产品的发展成为关键词之一。比如，8月，北京经 济技术开发区印发《关于推动具身智能机器人创新发展的若干措施》提到，支持企业对人形机器人整机产品进行投保，按实际保费的50%给予补贴，每年最 高100万元。 给予真金白银保费补贴的鼓励意图显而易见，与此同时，市场研究数据则描绘出更广阔的前景。《2025人形机器人与具身智能产业研究报告》显示，2025 年，中国具身智能市场规模预计达52.95亿元，占全球约27%；人形机器人市场规模预计达82.39亿元，占全球约50%。 当一个价值不菲的传感器臂腕在调试中意外损伤，意味着一笔不小的研发损耗与进度暂停。如今，这一幕带来的焦虑将被大大缓解，保险公司开始相继研发 专为人形机器人设计的产品。12月9日，北京商报记者梳理发现，已有中国人保、中国太保在内的多家保险公司推出人形机器人专属保险方案，涵盖本体损 失险等多个险种。 在业内人士看来，当前，人形机器人专属保险只是当下人工智能与保险业深度互嵌的一个微小切面。2025年已成为人工智能在保险业应用的转折之年，保险 业在人工智能领域深度融入产品 ...

Core Insights - The 2025 Second Zhongguancun Embodied Intelligent Robot Application Competition showcased the latest advancements in the field of embodied robots, with 99 teams competing in various core scenarios such as industrial assembly, home services, and safety disposal [1][11] - The "14th Five-Year Plan" emphasizes the integration of technological innovation and industrial innovation, guiding the application of major technological achievements and the construction of application scenarios [1] - The rapid development of humanoid robots in China is projected to reach a market size of approximately 870 billion yuan by 2030, with significant applications in manufacturing, social services, and special operations [2] Industry Developments - Leading insurance companies are launching tailored insurance products for the embodied intelligent robot sector, addressing risks associated with equipment damage and liability for injuries or property damage [2][3] - The insurance industry is responding to the challenges posed by the commercialization of humanoid robots, including high equipment damage costs and unclear liability boundaries, by providing comprehensive risk management solutions [3][4] - Customized insurance solutions are being developed to support the growth of the humanoid robot industry, aligning with the strategic direction of the "14th Five-Year Plan" [4][5] Market Opportunities - The emergence of a new market worth hundreds of billions due to humanoid robots is attracting attention from major insurance players, who are keen to mitigate risks associated with this technology [3][6] - Insurance companies are exploring innovative service models to address the unique risks faced by the humanoid robot industry, including the lack of standardized regulations and rapid technological advancements [6][7] - The integration of insurance with the aging population's needs is seen as a significant opportunity, with insurance firms collaborating with robot manufacturers and care institutions to enhance service delivery [7][8]

Core Insights - The demand for risk transfer and management is increasing as humanoid robots transition from laboratories to practical applications [1] - Leading insurance companies are launching insurance products related to humanoid robots, covering various types of insurance such as robot body loss insurance, third-party liability insurance, and employer liability insurance [1] Group 1: Innovative Insurance Products - A company in Hubei province purchased insurance for two humanoid robots, marking the first body loss insurance for embodied intelligent robots in the region, with a premium of nearly 5,000 yuan per robot and a maximum claim amount of 500,000 yuan [2] - The insurance industry is actively exploring and launching corresponding insurance products to provide coverage for the emerging humanoid robot industry [2] - Taiping Insurance's Ningbo branch introduced a dedicated insurance product "Smart Insurance" for the commercial application of humanoid robots, featuring comprehensive coverage, integrated protection, and flexible policy terms [2] Group 2: Comprehensive Financial Solutions - Ping An Property & Casualty launched a "Comprehensive Financial Solution" for embodied intelligent robots, which includes risk protection, credit support, public financing, and leasing operations [3] - The insurance coverage under this solution includes employer liability insurance, product liability insurance, cargo insurance (including batteries), product quality insurance, and third-party product insurance [3] Group 3: Industry Challenges and Recommendations - Industry experts emphasize the need for the insurance sector to enhance research and innovation to address the unique risk characteristics of the humanoid robot industry [4] - Challenges include a lack of historical data for actuarial pricing, rapid technological iterations, and unclear legal frameworks regarding the legal status and liability of robots [4] - Recommendations include building a risk database through collaboration among insurers, manufacturers, and users, and developing modular insurance products with dynamic pricing to adapt to technological changes [4]

Core Insights - The rapid advancement of artificial intelligence (AI) has made humanoid robots a focal point for commercial applications, with significant market potential projected to reach hundreds of billions in China by 2035 [1][8] - The insurance industry is responding to the emerging risks associated with humanoid robots by developing specialized insurance products to cover various aspects such as property damage, third-party liability, and cybersecurity [1][3][9] Industry Overview - Humanoid robots are seen as a culmination of AI and mechanical engineering, with applications in manufacturing, social services, and specialized operations [1] - The market for humanoid robots is expected to grow significantly, with projections indicating a market size of 1 trillion to 3 trillion yuan by 2040 [8] Insurance Innovations - Major insurance companies like China Pacific Insurance and People’s Insurance Company of China have launched tailored insurance products for humanoid robots, addressing risks such as property loss and third-party liability [3][4] - The "Smart Insurance" product by China Pacific Insurance offers flexible coverage options, allowing for daily, weekly, or monthly policies to suit various commercial scenarios [3] Risk Management Challenges - The complexity of humanoid robots introduces diverse risks, including personal safety, property damage, and liability issues, which are not fully covered by traditional insurance products [5][7] - The rapid technological evolution of robots complicates the insurance landscape, requiring frequent adjustments to policy terms and rates [7][9] Regulatory Support - Government initiatives are increasingly supporting the humanoid robot industry, with policies aimed at fostering innovation and reducing insurance costs for companies [10] - Local governments are providing subsidies for insurance premiums to encourage the adoption of humanoid robots [10] Future Outlook - The humanoid robot industry is expected to experience exponential growth, necessitating robust insurance mechanisms to mitigate emerging risks [11][13] - The development of new insurance products and standards is crucial to address the unique challenges posed by humanoid robots, including ethical considerations and liability definitions [12][13]

Core Insights - The emergence of humanoid robots has created a new market worth hundreds of billions, attracting major insurance companies to develop specialized insurance products to manage associated risks [2][3][4] Group 1: Market Opportunities - Major insurance companies like Ping An, Taiping, and PICC have launched dedicated insurance products for humanoid robots, covering various risks such as damage to the robot itself, third-party liability, cybersecurity, and data breaches [2][4][5] - According to a report by the China Academy of Information and Communications Technology, the humanoid robot market in China is expected to reach a scale of 100 billion by 2035, presenting new business opportunities for insurance firms [3] Group 2: Product Innovations - Taiping's "Smart Insurance" product features three core innovations: comprehensive coverage across the entire supply chain, integrated risk protection, and flexible policy durations that allow for daily, weekly, or monthly coverage [4][5] - PICC has introduced a comprehensive insurance product that combines coverage for robot damage and third-party liability, addressing risks from natural disasters and operational failures [5] Group 3: Industry Challenges - The insurance industry faces challenges in accumulating long-term and systematic accident and claims data for humanoid robots, making it difficult to standardize insurance policies [2][8] - The lack of established international or industry standards for artificial intelligence and humanoid robots poses additional risks, including compatibility and safety issues [8][9] Group 4: Regulatory Support - The Chinese government has proposed measures to support the high-quality development of the artificial intelligence industry, including the implementation of the "Artificial Intelligence+" initiative and financial support for insurance products related to new technologies [11]

每经记者|涂颖浩 潘婷 每经编辑|董兴生 近年来，随着人工智能的飞速进步，找到相应的智能化载体似乎成了全世界最紧迫的任务。而人形机器 人似乎仅凭其小露一手的"能跑善舞"等技能，就已占据了C位。 随着具身智能迅猛发展，人形机器人已从实验室演示迈向商业化应用，产业发展迈向新阶段。中国信通 院发布的《人形机器人产业发展研究报告2024》指出，人形机器人作为人工智能与机械工程的集大成 者，在生产制造、社会服务、特种作业等领域有广阔的应用前景。预计到2035年，我国整机市场规模有 望达到千亿元人民币。 然而，技术越先进，应用场景越复杂，也意味着潜在风险越多元化，与之相应的保险需求也就越紧迫。 在政策引导与市场需求双重催化之下，保险业正在迅速切入这一新兴赛道。 《每日经济新闻》记者注意到，今年9月份以来，平安财险、太保财险、人保财险等头部机构密集推出 具身智能专属保险产品，覆盖机器人本体损失、第三者责任、网络安全、数据泄露等多个维度。与此同 时，行业内外对风险管理机制、伦理边界、数据共享等深层次问题的探讨也日益深入。 在这片千亿元级蓝海中，保险不仅是风险兜底工具，更被赋予了推动产业生态健康发展的战略使命。 探索破局：从" ...

Core Insights - The rapid development of artificial intelligence and embodied intelligence technology is leading humanoid robots from laboratories to homes and public service sectors, but concerns about risks such as "not daring to use, fear of damage, and inability to afford" are bottlenecks for large-scale commercialization [2] - Major domestic property insurance companies, including Ping An, Taikang, and PICC, have launched specialized insurance products for embodied intelligence to address the last-mile challenges of commercialization [2][6] Industry Overview - Humanoid robots, integrating advanced technologies like AI, high-end manufacturing, and new materials, are becoming a new frontier in technological competition and future industries [3] - The domestic market for embodied intelligence is expected to grow significantly, potentially reaching 12.5 trillion yuan by 2027, with applications in various fields such as industrial welding, special operations, and elder care services [3] Risk Factors - Users are particularly concerned about safety guarantees when promoting and using humanoid robots, with international clients requiring insurance for market application [3][4] - Risks associated with humanoid robots include damage to the robots themselves and potential harm to surrounding people or property [3][4] - The lack of unified international or industry standards for AI and embodied intelligence poses compatibility and safety risks [4][5] Insurance Innovations - Since September, leading insurance companies have been actively launching insurance products related to embodied intelligence [6] - China Taikang's "Smart Insurance" product offers comprehensive risk coverage across the entire supply chain, integrating various types of protection [6] - PICC has introduced a comprehensive insurance product covering both the robot's physical damage and third-party liability, addressing various scenarios such as natural disasters and operational failures [6] - Ping An has developed a comprehensive financial solution for embodied intelligence enterprises, providing extensive risk coverage and support across multiple sectors [7]

Core Viewpoint - The rapid development of artificial intelligence and embodied intelligence technology is leading humanoid robots from laboratories to homes and public service sectors, but concerns about risks such as "dare not use, fear of damage, and cannot afford" are bottlenecks for large-scale industrial application [3][5]. Group 1: Market Growth and Applications - The domestic market for embodied intelligence is expected to grow continuously, potentially reaching 1.25 trillion yuan by 2027, with humanoid robots filling labor gaps in various fields such as industrial welding, special applications like mining, and service scenarios like elderly care [6]. - Humanoid robots are increasingly entering crowded public performance scenarios, raising safety concerns among users [7]. Group 2: Risks and Challenges - The risks associated with humanoid robots include self-damage and causing harm to the surrounding environment, as they interact with humans [7]. - The industry faces broader risks, including technical standard risks due to the lack of complete and unified international or industry standards, leading to compatibility and safety issues [7][8]. - Data compliance and cross-border legal challenges arise from the collection and processing of user behavior and environmental data by embodied intelligence devices [8]. Group 3: Insurance Innovations - Major domestic insurance companies have begun launching specialized insurance products for embodied intelligence since September, aiming to address the commercialization challenges [9]. - China Pacific Insurance launched "Jizhi Bao," which offers comprehensive risk coverage across the entire supply chain, integrating various types of insurance [9]. - China People's Insurance introduced a comprehensive insurance product covering both the robot's physical damage and third-party liability, addressing various scenarios such as natural disasters and operational failures [9]. - Ping An Insurance has developed a comprehensive financial solution for embodied intelligence enterprises, providing extensive risk coverage and support across multiple sectors [10].