The reporter learned from the Shenzhen Financial Supervisory Authority that the Shenzhen Technology Insurance Policy Promotion and “Shenzhen Huike Insurance” product launch was held on August 18 at the Qianhai Shenzhen-Hong Kong Modern Service Industry Cooperation Zone. “Shenzhen Huike Insurance” is the first inclusive technology insurance product exclusive to Shenzhen. It aims to provide low-cost, wide-coverage, one-stop risk protection for the vast number of small and medium-sized technology enterprises in Shenzhen, and make up for the shortcomings of technology industry protection. According to the introduction, “Shenzhen Huikebao” has “1+11+N” as its core feature, covering 11 types of guarantees and supporting N high-quality value-added services. The scope of guarantee spans the four major sectors of production and operation, R&D and innovation, intellectual property rights, and personnel safety, to achieve full chain and multi-dimensional risk coverage from laboratory to market, from tangible assets to intangible assets, and from enterprise operation to personnel safety. In terms of product mechanisms, co-insurance implements “unified terms, uniform rates, and unified plans” to provide unified standardized guarantees and services throughout the industry. In terms of pricing design, adhering to the principle of “inclusive pricing”, the core insurance required plan includes a combination of 8 types of insurance. The premiums start at only 9,800 yuan, and the starting insurance amount can reach 5.5 million yuan. The overall rate is significantly lower than similar products on the market. In terms of policy coordination, eligible enterprises can enjoy premium subsidies after applying for insurance. The subsidy ratio can reach 50% of actual premiums, and the annual funding limit for a single enterprise can reach 1 million yuan.
Zhitongcaijing · 1d ago
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The reporter learned from the Shenzhen Financial Supervisory Authority that the Shenzhen Technology Insurance Policy Promotion and “Shenzhen Huike Insurance” product launch was held on August 18 at the Qianhai Shenzhen-Hong Kong Modern Service Industry Cooperation Zone. “Shenzhen Huike Insurance” is the first inclusive technology insurance product exclusive to Shenzhen. It aims to provide low-cost, wide-coverage, one-stop risk protection for the vast number of small and medium-sized technology enterprises in Shenzhen, and make up for the shortcomings of technology industry protection. According to the introduction, “Shenzhen Huikebao” has “1+11+N” as its core feature, covering 11 types of guarantees and supporting N high-quality value-added services. The scope of guarantee spans the four major sectors of production and operation, R&D and innovation, intellectual property rights, and personnel safety, to achieve full chain and multi-dimensional risk coverage from laboratory to market, from tangible assets to intangible assets, and from enterprise operation to personnel safety. In terms of product mechanisms, co-insurance implements “unified terms, uniform rates, and unified plans” to provide unified standardized guarantees and services throughout the industry. In terms of pricing design, adhering to the principle of “inclusive pricing”, the core insurance required plan includes a combination of 8 types of insurance. The premiums start at only 9,800 yuan, and the starting insurance amount can reach 5.5 million yuan. The overall rate is significantly lower than similar products on the market. In terms of policy coordination, eligible enterprises can enjoy premium subsidies after applying for insurance. The subsidy ratio can reach 50% of actual premiums, and the annual funding limit for a single enterprise can reach 1 million yuan.
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