Zhibao Technology Launches Drone Insurance Solution for Individual Operators, Strengthening Position in China’s Low-Altitude Economy

China’s low‑altitude economy is emerging as a strategic pillar in the nation’s 15th Five‑Year Plan, with the sector expected to swell from CNY 500 billion today to roughly CNY 3.5 trillion by 2035. Over two million drones are already registered, and regulatory bodies are encouraging broader commercial use, creating a fertile environment for ancillary services such as insurance. InsurTech players that can embed risk solutions into digital ecosystems stand to capture a sizable slice of this growth, especially as enterprises and hobbyists alike seek cost‑effective protection for increasingly valuable aerial assets.

Zhibao’s new consumer‑focused drone insurance leverages its proprietary Platform‑as‑a‑Service to deliver a fully digital experience. Customers can purchase coverage instantly on a mobile device, with policies becoming effective in as little as 15 minutes and claims processed through a streamlined four‑step workflow. Priced competitively at CNY 395 per year for full‑value protection, the offering includes damage, third‑party liability, and operator liability components, all customizable to individual risk profiles. The partnership with F+More, a seasoned B2B drone service provider, adds industry expertise and data insights, enhancing underwriting accuracy and pricing efficiency.

The launch signals a broader shift toward 2B2C insurance models in China, where digital‑native consumers—particularly Gen‑Z—prefer online purchasing channels. By extending its platform to individual users, Zhibao not only diversifies its revenue base but also creates a scalable template for future collaborations across other emerging tech sectors. As the drone market matures, insurers that combine real‑time data, AI‑driven risk assessment, and seamless mobile delivery will likely dominate, setting new standards for embedded insurance in the low‑altitude economy.