科技创新之路，"闯关"不易，"闯险"尤艰。它不仅呼唤"耐心资本"的长期滋养，更亟需"耐心保险"的全 程守护。随着中央金融工作会议将科技金融列为"五篇大文章"之首，以及二十届三中、四中全会对"健 全重大技术攻关风险分散机制，建立科技保险政策体系"的明确部署，保险服务科技强国战略的使命被 提升至全新高度。作为金融支持科技创新的关键一环，科技保险正以其独特的风险分散功能，成为培育 新质生产力、做好科技金融大文章不可或缺的力量。 在广东这片改革开放与科技创新的前沿热土，人保财险广东分公司深刻认识到，发展科技保险不仅是服 务国家战略的政治责任，更是把握产业变革机遇、重塑竞争优势的战略选择。面对科技领域风险高、评 估难、数据缺等现实挑战，人保财险广东分公司选择在这条"难而正确"的道路上率先探索，致力于为科 技创新提供全生命周期的温暖护航。 打通"转化瓶颈"，化解研发中试后顾之忧。科技成果转化"最后一公里"风险突出。人保财险广东分公司 积极响应佛山打造"概念验证之都、小试中试天堂"的号召，快速研发并落地全省首单"中试综合保险"。 随后，在省科技厅指导下，产品升级为覆盖"实验室-小试-中试"的全链条"技术研发应用综合保险"， ...

Core Insights - The development of technology insurance in China is accelerating due to dual drivers of policy and industry, with a significant increase in premium income and a growing demand for risk management solutions [1][11][12] Group 1: Industry Growth and Demand - As of 2024, the insurance industry is expected to provide approximately 9 trillion yuan in technology insurance coverage, reflecting a robust growth trajectory [2] - The number of enterprises insured under patent insurance has increased significantly, with over 28,000 companies covered for more than 110 billion yuan in risk protection from 2011 to 2022 [2] - The number of technology and innovation SMEs in China has surpassed 600,000, highlighting a pressing need for insurance solutions due to high R&D costs and long return cycles [2][12] Group 2: Challenges in Risk Management and Pricing - The primary challenges facing technology insurance include difficulties in risk control and pricing, stemming from the complexity and uniqueness of high-tech industries [2][3] - The lack of historical data and the rapid evolution of risks complicate the development of accurate pricing models for technology insurance [3][11] Group 3: Policy Support and Implementation - Recent policies aim to enhance the technology insurance framework, including the expansion of coverage for first-of-its-kind technology equipment and the introduction of innovative compensation mechanisms [5][6] - Local governments, such as those in Shenzhen and Shanghai, are actively implementing plans to support technology insurance in emerging sectors like artificial intelligence and digital economy [6][7] Group 4: Innovative Insurance Products - New insurance products are emerging to fill gaps in coverage, such as the "Drug Research Insurance" for pharmaceutical R&D and "Smart Research Insurance" for AI and robotics [8][9] - These products address specific risks associated with innovation, providing comprehensive coverage throughout the R&D process [8][9] Group 5: Future Outlook - The technology insurance sector is expected to see further growth driven by policy support and the increasing pace of technological innovation, with a projected 30% year-on-year increase in premium income by the end of 2025 [11][12] - The integration of digital tools and collaborative insurance models is anticipated to enhance risk management capabilities and support the development of cutting-edge technologies [11][12]

Core Insights - The development of technology insurance in China is accelerating due to dual drivers of policy and industry, with a significant increase in demand for risk protection in the context of deep integration of technological and industrial innovation [1][12] - By the third quarter of 2025, technology insurance premium income in China is expected to grow by 30% year-on-year, significantly outpacing the industry average, indicating a comprehensive upgrade of traditional risk management systems [1][12] - The insurance sector is facing challenges in pricing and risk assessment, which are major constraints on product innovation, particularly in high-tech industries [2][3] Policy and Industry Dynamics - As of now, over 600,000 technology and innovation-oriented SMEs have been cultivated in China, with more than 140,000 specialized and innovative SMEs, highlighting the urgent need for risk protection [1][2] - The Chinese government has introduced new policies to establish a comprehensive insurance system covering the entire lifecycle of technology enterprises, addressing core pain points such as pricing and risk assessment [1][6] - Local governments, such as those in Shenzhen and Shanghai, are actively implementing plans to enhance insurance coverage for emerging sectors like low-altitude economy and digital economy [6][7] Product Innovation and Challenges - The technology insurance market has seen significant growth, with approximately 9 trillion yuan in coverage provided by the insurance industry by the end of 2024, particularly in patent insurance [2] - The lack of historical data and the unique nature of technological innovations pose significant challenges for accurate risk assessment and pricing in technology insurance [3][11] - New insurance products are emerging, such as comprehensive insurance for drug research and development, which addresses the high costs and risks associated with innovative drug development [9][10] Future Outlook - The insurance sector is expected to see a surge in innovative risk protection products as policies continue to support the technology insurance landscape [12] - The introduction of collaborative insurance models and digital risk management tools is anticipated to enhance the role of technology insurance in supporting core technological advancements and self-reliance in technology [12]