中国人寿持续加强保险产品创新研究，切实提升服务能力，集团旗下寿险公司为科研人员、科技企业家、"双创"重点群体等提供大量职业责任、人身意外 以及健康养老等保险保障服务，财险公司累计开发200余款科技保险产品，涵盖广泛、保障全面。例如，推出全国首个"实验室一切险"、西藏首单专利保 险、安徽首单数据 知识产权 保险等；上线知识产权侵权责任保险、数据被侵权损失补偿保险及中国数谷" 网络安全 综合保险"等；签约首批PCT国际专利 申请费用补偿保险，护航科技型企业知识产权专利"走出去"。 推动高质量发展和应对外部风险挑战都需要加快实现高水平科技自立自强，这对金融供给提出了更高要求。近期，科技部、中国人民银行等七部门联合印 发《加快构建科技金融体制有力支撑高水平科技自立自强的若干政策举措》（以下简称《政策举措》），从多角度提出要求，致力部署推动为科技创新提 供全生命周期、全链条的金融服务。 作为国有大型金融机构， 中国人寿 积极响应政策，充分发挥 保险 、投资、银行三大业务板块协同发展的 综合 金融特色优势，全力做好科技金融大文 章。在中国人寿学习贯彻金融系统党的建设工作会议精神暨2025年上半年经营管理工作会议上，其进一 ...

Core Viewpoint - The importance of technology insurance as a financial tool to support technological innovation is increasingly recognized, with recent policies in Shanghai and other regions aimed at enhancing the role of insurance in this area [1][3][4]. Group 1: Policy Developments - Shanghai has released a guiding document to promote high-quality development of technology insurance, aligning it with the construction of an international technology innovation center [3]. - Various regions, including Wuhan and Shenzhen, are actively encouraging insurance institutions to develop products that cater to the lifecycle of technology enterprises, focusing on key areas such as research and development losses and intellectual property protection [4][5]. - The Financial Regulatory Bureau is working on a policy document to optimize the technology insurance service system, enhancing the risk compensation and reduction functions of the insurance industry [4][5]. Group 2: Market Trends and Challenges - The market for technology insurance is expanding, with insurance coverage reaching approximately 9 trillion yuan and investments in technology enterprises exceeding 600 billion yuan by the end of 2024 [6]. - Despite the growth, challenges remain, including a lack of mature risk control mechanisms and insufficient historical data for accurate risk assessment and pricing [6][7]. - The high costs and low success rates of technology research and development pose additional challenges for insurance companies in product development and risk management [7]. Group 3: Talent and Demand Issues - There is a shortage of professionals who possess both insurance and technology knowledge, which hampers product innovation and service capabilities in the technology insurance sector [7][8]. - Many technology enterprises prioritize core business areas over insurance, leading to limited investment in technology insurance despite its potential benefits [7][8]. Group 4: Future Directions - To enhance the development of technology insurance, companies should strengthen collaborations with research institutions and government bodies to better understand industry trends and risks [8][9]. - Establishing a one-stop information service platform and utilizing digital technologies to accumulate data and create risk assessment models are recommended to address information asymmetry [9].