China Tech Insurance Coverage Hits RMB8 Trillion in 2025, Premiums Up 44%
In 2025, China's technology insurance provided approximately RMB8 trillion in risk coverage for scientific and technological innovation, with premiums rising 44% year on year. The first-set and first-batch compensation mechanisms supplied nearly RMB1 trillion in risk protection for major technical equipment and key new materials applications nationwide. Coverage has expanded from laboratory research to production and market promotion, with products now spanning the full innovation chain.
In 2025, China's technology insurance provided approximately RMB8 trillion in risk coverage for scientific and technological innovation, with premiums growing 44% year on year. The first-set and first-batch compensation mechanisms furnished nearly RMB1 trillion in risk protection for major technical equipment and the first batch of key new materials applications nationwide. The data indicates that technology insurance coverage has extended from laboratory research to production transformation and market promotion stages.
Technology insurance is gradually penetrating the entire innovation chain, offering risk protection for research breakthroughs, results commercialisation, and business application. At present, an insurance product system covering core areas has been established, with ongoing accumulation of risk samples and data resources to support accurate pricing and scientific risk control. This work is advancing under policy guidance, aiming to improve the collaborative mechanisms of technology insurance and provide fundamental support for high-level technological self-reliance.
Why this event matters
The event has a measured impact on 1 industry. The strongest current signal is positive for Property & Casualty Insurance, with intensity 60/100 and 80% confidence over a short term horizon.
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