Core Viewpoint - The "New National Ten Articles" released by the State Council aims to strengthen regulation, prevent risks, and promote high-quality development in the insurance industry over the next 5 to 10 years, marking a significant policy direction for the sector [1] Industry Performance - As of the end of Q2 2025, the insurance industry's asset scale reached 39.22 trillion yuan, with a year-on-year growth of 9.2% [2] - The total insurance premium income amounted to 3.74 trillion yuan, reflecting a 5.3% increase compared to the same period in 2024 [2] - Insurance companies' claims and payouts reached 1.3 trillion yuan, showing a notable growth of 9% year-on-year, outpacing premium growth [2] Social Welfare Services - The insurance sector has enhanced its role in social welfare, particularly in disaster relief, with 20.5 billion yuan paid out during extreme weather events in 2025 [3] - The urban catastrophe insurance program has provided risk protection for 64.39 million households, amounting to 22.36 trillion yuan in coverage [3] - Technological advancements have improved risk reduction services, with significant outreach for disaster warnings to millions of clients [3] Health Insurance Development - The urban commercial medical insurance, known as "惠民保," has seen significant growth, with 615.9 million participants in Shenzhen and over 22 billion yuan in claims paid [4] - The commercial health insurance sector has also expanded, with claims reaching 405.2 billion yuan in 2024 and long-term health insurance reserves exceeding 2.5 trillion yuan [4][5] Support for the Real Economy - The insurance industry is aligning with national strategies by enhancing risk protection in technology innovation and green development [6][7] - Insurance services for technology activities provided coverage of nearly 24 trillion yuan in the first half of 2025 [6] - Green insurance products have seen a 23.9% increase in risk coverage, with over 126.35 trillion yuan provided [7] Investment in Strategic Areas - Insurance companies are increasing investments in strategic sectors, with China Life establishing a fund focused on high-demand industries like AI and advanced manufacturing [8] - New China Life's investment in national strategic areas surpassed 1.21 trillion yuan, reflecting a 54% year-on-year increase [8] Industry Reform and Transformation - The insurance sector is undergoing significant reforms in pricing mechanisms and product structures to enhance quality and efficiency [10][11] - The introduction of floating yield insurance products has led to a 33% share of new life insurance products in the first half of 2025 [11] - The insurance intermediary market is also experiencing a contraction, with a 11.7% decrease in the number of professional intermediary institutions in Jilin province [11] Future Outlook - The insurance industry is expected to continue leveraging its long-term advantages to contribute to the construction of a financial strong nation and support modernization efforts in China [12]

Group 1 - Shenzhen insurance industry is focusing on enhancing technology finance, with technology insurance expected to achieve premium income of 1.88 billion by June 2025, providing risk protection of nearly 3.12 trillion [1][2] - The Shenzhen Financial Regulatory Bureau has optimized the intellectual property financial ecosystem, issuing two lists of 81 specialized insurance products and 103 intellectual property financial products [1][2] - A total of 399 technology insurance products have been filed in the region, with 86 new products added this year, highlighting innovations in intellectual property insurance, low-altitude economy insurance, and robot insurance [2] Group 2 - The regulatory body has guided the industry in publishing the first national model clauses for unmanned aerial vehicle third-party liability insurance and has established the first national drone insurance service standards [2] - In the first half of 2025, eight cross-border medical insurance products were filed, providing risk protection exceeding 3.02 billion for Greater Bay Area residents [2] - The implementation of cross-border car insurance policies has been optimized, and a cross-border data verification platform is being upgraded to facilitate smoother data exchange between Shenzhen and Hong Kong [2]

从春晚舞台上行云流水般翩翩起舞惊艳亿万观众，到世界人形机器人运动会硬核竞技，机器人正以前所未有的速度渗透进人类生产与生活的核心领域。机器 人应用场景的爆发式扩张，不仅带来生产力的跃迁，也催生了一片全新的风险保障需求蓝海。 在机器人产业高歌猛进的同时，一场围绕其风险保障的保险创新竞速赛正在保险市场悄然打响。不过，从简单的财产险延伸至覆盖全生命周期的风险保障体 系，保险公司需要持续突破风险评估、产品定价、数据打通等一系列难题。 保险多场景试水 当机器人的身影从工厂走向大众视野，从单一功能向多元应用拓展时，新场景也面临新风险。保险作为风险管理的核心工具，正通过持续创新与设计多样化 险种，致力于为机器人产业编织一张全方位的风险保障网。 在比赛场景，中国人保先后为2025北京亦庄半程马拉松暨人形机器人半程马拉松和2025世界人形机器人运动会提供保险保障；在消费领域，大家财险宣布为 傲鲨智能首款量产型消费级外骨骼机器人VIATRIX提供承保服务，实现了保险行业在消费级外骨骼机器人领域的尝试。 在其他应用领域，近期人保财险梅州市分公司成功落地梅州市首单机器人财产损失保险，为梅州科技企业自主研发物流机器人提供1800万元的风 ...