从总体看，这份来自深圳监管部门的指引文件涵盖销售、承保、理赔等各环节，助力提升低空经济保险业 务的标准化水平。 探索无人机"交强险"的先行先试 早在去年4月，深圳金融监管部门指导发布了全国首个"无人驾驶航空器第三者责任保险示范性条款"，被 业界普遍认为是未来无人机"交强险"的雏形。据观察，该条款的创新性，主要体现在增加无过失赔偿相关 条款、优化赔偿处理流程、保险责任增加空中坠人造成的三者事故、增设急救费用垫付扩展条款等。该条 款也是市场上首个提及无过失责任的无人驾驶航空器示范性条款。 深圳金融又尝"头啖汤"。7月4日，深圳金融监管局指导深圳市保险业协会联合低空经济产业协会等部门， 在前期示范性条款的基础上，配套发布全国首个《深圳地区无人驾驶航空器第三者责任保险服务指引》， 形成"示范条款+服务指引"全链条保险保障。《指引》有何看点？对本地保险机构有何约束？又如何助力 深圳加速布局"天空之城"？ 深圳对无人机承保和理赔提出标准化指引 按照《深圳地区无人驾驶航空器第三者责任保险服务指引》，在承保服务方面，保险公司应当严格执行报 备的保险条款和费率，不得额外增加或者减少保险责任。具备能够与无人驾驶航空器一体化综合监 ...

王嘉启 张璞 李嘉良 朱铭 摘要：高标准农田建设是深入实施"藏粮于地、藏粮于技"战略的关键举措，更是国家粮食安全的重要保 障和乡村振兴、农业高质量发展的坚实支撑。高标准农田建后管护质量是高标准农田持续发挥功能效用 的关键。近年来，针对高标准农田管护难点，近年来不少省份积极试点高标准农田保险，在产品创新、 服务模式等方面进行了大胆实践，探索通过市场化方式为高标准农田及配套设施损坏等提供经济补偿、 风险保障、管护服务等，取得了一定成效。本文通过系统总结当前高标准农田管护的几类典型模式和存 在的问题，深入分析保险模式助力高标准农田管护的理论优势，在总结当前高标准农业保险试点实践经 验的基础上，发现高标准农田保险存在政策支持不足、保险方案待改进、专业能力不足等关键问题，在 此基础上提出加强政策支持和引导、完善保险工作机制、优化管护风控机制、提高农户参与度等政策建 议。 本文字数：3206字 阅读时间：7分钟 2025年第7辑目录 精准气象服务赋能农业保险新质生产力探索 张香香 戴雪冰 杨洁 摘要：农业保险作为农业风险管理的重要政策工具，在维护粮食安全、构建多元食物供给体系、助力脱 贫攻坚、推进乡村产业振兴等方面都发挥 ...

在全面推进中国式现代化的宏伟征程中，社会结构、家庭模式与风险形态正经历着前所未有的深刻变 迁。个体与家庭面临的不确定性日益增多，从健康风险、养老压力，到财产安全、创业挑战，风险无处 不在，且越加复杂。在此背景下，保险作为现代经济的重要组成部分，其经济减震器与社会稳定器的功 能定位愈发凸显。而"爱与责任"，正是驱动这两大功能高效发挥的内在"引擎"。 爱，是保险制度诞生的原点。从最初海上贸易商为分摊风险而萌生的互助雏形，到如今父母为子女投下 的那份保单，背后无不涌动着关爱与守护的暖流。当一份重疾险保单，能让一个家庭在"顶梁柱"突遭厄 运时免于崩溃；当一份养老金，能让一位老人在晚年活得有尊严、有品质；当一份意外险，能为户外工 作者、新业态从业者提供坚实的后盾……保险不再是一纸契约，而是实实在在的经济补偿，是困境中的 希望之光，是维系家庭稳定与社会和谐的温情力量。 责任，是保险外在的功能体现与社会承诺。对个体而言，保险肩负着赋能奋斗者的责任。通过风险保障 方案，让奋斗者们敢于去闯、敢于去试，在追逐梦想的道路上，多一分安心，少一分畏惧。对产业而 言，保险肩负着护航产业链的责任。通过财产保险、责任保险、信用保证保险等多元 ...

Core Insights - The development of low-altitude economy is becoming a significant part of China's new productive forces, integrating general aviation and drone services, and is seen as a key area for fostering new productive forces in the country [1][2][3] - Ping An Property & Casualty is actively exploring the "insurance + service + technology" model to provide customized insurance products and services for the low-altitude economy, covering various scenarios from large aviation fleets to drones [2][3] Group 1: Low-altitude Economy Applications - In Henan Province, a drone successfully delivered packages to villagers in just 7 minutes, addressing the "last mile" delivery challenge in remote mountainous areas [1] - In Hunan Province, a drone equipped with a smart temperature-controlled box transported blood products from a blood center to hospitals, establishing a medical supply air route [1] - The establishment of regular drone delivery stations and medical supply transport routes is expanding the low-altitude economy landscape and improving people's lives [3] Group 2: Insurance Services for Low-altitude Economy - Ping An Property & Casualty has insured over 150,000 drones, providing risk coverage exceeding 90 billion yuan, and is developing a multi-layered, differentiated insurance and service system for the low-altitude economy [1][2] - The company has tailored insurance solutions for various scenarios, including a dedicated insurance plan for a drone logistics station in Henan, with risk coverage exceeding 6 million yuan [3] - Ping An Property & Casualty is also addressing emerging risks in the low-altitude economy, such as professional negligence and cybersecurity, to meet the evolving needs of the industry [2][3] Group 3: Collaboration and Innovation - The company is collaborating with technology firms to create a seamless insurance experience, including a "one-click insurance and rapid claims" model for agricultural drones [4][5] - Ping An Property & Casualty is participating in the construction of a low-altitude economy risk protection ecosystem, working with reinsurance partners, industry associations, and research institutions to develop innovative insurance solutions [6][7] - The establishment of a new risk research institute for low-altitude economy by Ping An Property & Casualty and Zhongcai Reinsurance aims to create a comprehensive risk protection system with international perspectives and Chinese characteristics [6][7]

责任保险主要承保被保险人在各个领域因疏忽或过失导致他人人身伤亡或财产损失而依法应承担的经济 赔偿责任。产品责任保险，保障的是企业生产的产品因存在缺陷导致消费者人身伤害或财产损失时，企 业所需承担的赔偿责任。公众责任保险适用于各种公共场所，比如商场、酒店等，当在这些场所发生意 外导致第三方人身伤害或财产损失时，保险公司负责赔偿。职业责任保险则针对各类专业人员，如医 生、律师、会计师等，因工作上的过失导致委托人或第三方遭受损失时，承担依法应负的经济赔偿责 任。 保险作为一种风险转移和经济补偿的工具，在人们的生活中发挥着重要作用。不同险种有着各自明确的 保障范围，深入了解这些区别，能帮助人们更精准地选择适合自身需求的保险产品。 本文内容根据公开信息整理生成，不代表发布者及其关联方的官方立场或观点，亦不构成任何形式的投 资建议。请您对文中关键信息进行独立核实，自主决策并承担相应风险。 首先是人寿保险，人寿保险以人的寿命为保险标的，当被保险人在保险合同约定的期间内死亡、生存或 生存至一定年龄时，保险人按照合同约定给付保险金。简单来说，人寿保险关注的是被保险人寿命相关 的事件。定期寿险在约定的保险期间内，若被保险人不幸身 ...

Regulatory Dynamics - The first inclusion of commercial health insurance innovative drug directory into the medical insurance adjustment plan aims to enhance the multi-payment capability for innovative drugs [5] - The Financial Regulatory Bureau has proposed strict adherence to approved insurance terms and rates for non-auto insurance businesses [6][7] - In May 2025, the insurance industry reported a total premium income of 3.06 trillion yuan, with Jiangsu province leading at 315.1 billion yuan [10] Company Dynamics - Taikang Life has completed its first transaction with a pilot fund of 10 billion yuan [18] - Lian'an Life increased its stake in Jiangnan Water by acquiring 46.99 million shares, representing a 5.03% ownership [20] - Zhongyou Life officially acquired a 5% stake in Eastern Airlines Logistics, with a total transaction value of approximately 869 million yuan [21] - China Life announced a cash dividend of 0.45 yuan per share, totaling approximately 12.71 billion yuan [26] - China Life's insurance payout exceeded 30.2 billion yuan in the first half of 2025 [27] Personnel Changes - Zhao Yue has been appointed as a member of the Party Committee and Secretary of the Discipline Inspection Commission of the Fujian Financial Regulatory Bureau [31] - Yang Fan resigned as Chairman of Xinmei Mutual, with Hu Han taking over [33] - Bai Kai is expected to become the Vice President of Taiping Group [34] Industry Dynamics - Insurance capital has accelerated its entry into the market, with 19 instances of stake increases recorded this year, nearing last year's total [40] - The insurance industry raised nearly 50 billion yuan in capital in the first half of 2025, with 13 companies involved [42] - The health insurance market is evolving, with a focus on service-oriented products and addressing the needs of chronic disease patients [51][52] Product Services - Zhong'an Insurance launched the "Zhongminbao Million Medical Insurance 2025 Edition," which includes coverage for chronic disease patients [55] - The first "Low-altitude Operation Management Liability Insurance" was implemented in Jiangsu [56] - Guo Life Property Insurance introduced the "Yao Yan Bao" comprehensive insurance, focusing on drug research and development risks [58]

就在同一天，新华保险也正式宣布成为"苏超"南通赛区的官方合作商。新华保险方面表示，将全方位为 赛事赋能，从资源支持到服务保障，助力江苏体育事业蓬勃发展。新华保险将通过赛事影响力推动全民 健身理念普及，实现金融服务与体育精神的双向赋能，为探索保险行业助力全民健身事业发展开辟新路 径。 在金融领域，保险机构争先涌入，想要从这片新兴体育产业蓝海中分得一杯羹。《金融时报》记者注意 到，继江苏本地的紫金保险成为"苏超"官方供应商后，中国平安、新华保险（601336）于近日相继宣布 成为"苏超"南通赛区的官方合作商。此外，包括人保财险、中国人寿（601628）财险纷纷入局，从不同 角度为"苏超"提供保险保障。 保险企业逐浪"苏超"新蓝海 作为江苏省级足球"顶流赛事"，"苏超"集结全省13个地级市战队，516名参赛者涵盖职业球员、学生及 业余足球爱好者，直接点燃全民足球热情。在这场热潮中，保险机构化身为"全能守护者"。 6月19日，中国平安宣布正式成为"苏超"南通赛区的官方合作商，将为南通队全体球员提供"黄金腿"保 险保障，同时为该赛区球迷提供观赛意外险。据介绍，"黄金腿"保险是中国平安此前专为中国国家足球 队创新推出的" ...

Core Viewpoint - The appointment of An Zhongtao as the new chairman of Taishan Property Insurance is expected to bring a new path to profitability for the company, which has faced continuous losses in recent years [1][3]. Company Leadership Change - An Zhongtao has been approved to take on the role of chairman, having previously been involved in the company's establishment and holding various positions within the organization [3][4]. - His return marks a significant change in leadership, as Taishan Insurance has seen multiple chairmen since 2019, with the latest chairman resigning due to work reasons [5][7]. Financial Performance - Taishan Insurance has reported cumulative losses exceeding 5.12 billion since 2021, with a net loss of 3.6 billion in 2022, which was a significant increase from a loss of 0.99 billion in 2021 [7]. - The company's net loss narrowed to 0.48 billion in 2023, and it reported a loss of 0.1 billion in the first quarter of 2024 [7]. - The comprehensive cost ratio for the first quarter of 2024 was 103.68%, indicating that premium income did not cover expenses [7]. Business Strategy and Opportunities - Experts suggest that optimizing the business structure and reducing reliance on traditional auto insurance while developing agricultural and liability insurance could be key to turning around the company's fortunes [8][9]. - The company’s insurance business revenue has shown signs of decline, with a 1.98% decrease in 2024 and a significant drop of over 20% in the first quarter of the current year [8][9]. Regulatory and Compliance Issues - Taishan Insurance has faced regulatory penalties for issues related to financial data accuracy, highlighting the need for improved compliance management [12]. - The company is encouraged to develop inclusive insurance products to meet the needs of grassroots and small enterprises, which represent a significant market opportunity [12]. Future Directions - The company aims to enhance its core competitiveness through a strategy of "four optimizations and four enhancements," focusing on professional, refined, intensive, and differentiated management [10][11]. - Recent policies are expected to create new development opportunities in the property insurance market, particularly in agricultural insurance and products tailored for small and micro enterprises [11][12].

齐鲁晚报·齐鲁壹点记者 闫明 通讯员 郭震 崔广勋 6月26日，东营市食品安全责任保险推广暨"食安心"社会共治项目启动仪式在广饶县举行。来自东营市 县两级食药安办、市场监管局负责人，东营金融监管分局、保险行业协会、烹饪餐饮饭店协会负责人， 江泰保险经纪东营分公司、中国人寿财险东营市中心支公司等11家保险、银行、通讯部门负责人共聚一 堂，共商食品安全大计。此项目旨在通过多个部门协同，多方资源携手，提高食品安全风险管理效能， 共同构建"食安心"社会共治新格局，守护人民群众"舌尖上的安全"。 东营市食品安全责任保 险推广暨 " 食安心 " 社会共治项目启动仪式现场。 东营市食药安办副主任，市场监管局党组成员、副局长段惠萍在接受记者采访时指出，食品安全关系人 民群众的身体健康和生命安全，是重大的民生工程和民心工程。食品安全责任保险是市场经济条件下保 障食品安全的重要制度创新，对强化企业责任意识和风险意识、保障消费者合法权益、促进食品产业高 质量发展、构建社会共治格局具有深远意义。"食安心"社会共治项目整合保险、金融、通信和行业协会 等多方资源，致力于打造食品安全社会共治品牌，实现政府监管提效、企业经营减负、群众消费放 ...

2025年，正值深圳经济特区建立45周年，站在新的历史节点，人保财险深圳分公司深入贯彻党的二十届 三中全会、中央金融工作会议精神，秉持"人民保险，服务人民"的初心使命，发挥保险"三网两器"功 能，书写金融"五篇大文章"。面对科技与产业机遇，紧扣深圳建设中国特色社会主义先行示范区的战略 定位，聚焦新质生产力发展，创新"科技+保险+服务"新模式新理念，为深圳在高质量发展道路上提供 坚实保障。 抢占前沿赛道 在知识产权保护领域，人保财险深圳分公司在数据知识产权方面率先发力，落地首单数据知识产权被侵 权损失保险。2025年4月，创新步伐持续迈进，在深圳市相关监管部门的指导下，人保财险深圳分公司 联合多家保司及知识产权专业服务机构签署"南山区海外知识产权保险联共体"合作协议。人保财险深圳 分公司作为牵头保司，首席签发首张知识产权海外侵权责任保险保单。联共体构建全链条保障体系，服 务科技金融高质量发展，未来将为更多"走出去"企业保驾护航，助力深圳企业在全球化竞争中占优。 护航新兴产业发展新引擎 在新一轮科技浪潮中，人保财险深圳分公司持续把握产业发展脉搏，在多个前沿领域实现重大突破，为 新兴产业发展注入强劲动力。 在气象风 ...