• Seven ministries released the Guidance on Accelerating the High-Quality Development of Shipping Insurance on 6 November 2026.
  2026 年 11 月 6 日，七部委联合印发《关于加快航运保险高质量发展的指导意见》。

• The document sets five tasks: stronger cover, a more competitive market, better claims, stricter supervision and a sounder operating environment.
  文件提出五方面任务：提升保障水平、增强国际竞争力、优化理赔服务、推进严监管强监管、健全运行机制。

• It calls for developing Standard Clauses for Shipping Insurance, expanding the use of the renminbi and strengthening independent pricing capability.
  文件提出制定航运保险标准条款、扩大人民币使用、提升自主定价能力。

• Insurers are encouraged to pursue Risk Reduction and to build a Global Service Network for cross-border claims.
  文件鼓励保险机构开展风险减量，并加强全球综合服务网络建设。

• High-value vessels and offshore equipment should carry cover across design, construction, operation and disposal.
  高价值船舶与海工装备应建立覆盖设计、建造、营运、处置等全生命周期的保险方案。

• Geopolitical conflict, supply chain interruption, cyber security and ice navigation are named as priorities for product development.
  地缘政治冲突、供应链中断、网络安全、冰区航行被列为产品研发的重点方向。

Shipping Insurance Guidance: What Seven Ministries Set Out for Cover, Clauses and Pricing | 航运保险指导意见：七部委在保障、条款与定价上说了什么

Overview

On 6 November 2026 seven central departments jointly released the Guidance on Accelerating the High-Quality Development of Shipping Insurance: the National Financial Regulatory Administration, the Ministry of Transport, the National Development and Reform Commission, the Ministry of Finance, the Ministry of Commerce, the People’s Bank of China and the State-owned Assets Supervision and Administration Commission of the State Council.

The document is a guidance opinion. It sets a direction, lists tasks and assigns them to regulators and to the industry. It opens no application window, creates no licence and attaches no subsidy to a named activity. Read as a statement of where the market is heading — standard clauses, renminbi denomination, independent pricing — it tells a company how to align its programme.

What kind of document this is

Policy instruments are graded, and the grade decides what a company can do with the text. A catalogue or a negative list changes what is permitted; a guidance opinion does not. It sets an objective, lists tasks, and leaves the operative rules to the regulators who must draft them.

The distinction matters for three items — standard clauses, renminbi use and independent pricing. Each is written as something to be developed, not as something in force. Until the clauses are issued, the terms of a policy remain the terms the parties negotiate.

The five tasks in brief

Cover. A risk management system across a vessel’s whole life, a better mechanism for cargo in transit, and a larger supply of capacity.

Market and competitiveness. Develop standard clauses, expand renminbi use, strengthen independent pricing capability and deepen exchanges with foreign markets.

Claims. Better quality and efficiency, encouragement of risk reduction, and a global service network that lifts the standard of service abroad.

Supervision. Product management rules, conduct rules for brokers, and clearer responsibility for risk control inside insurers.

Environment. Support mechanisms, a crackdown on irrational competition, and a training system.

Together, the headings describe a market that prices its own risks rather than imports a price.

Clauses, currency and pricing

Standard clauses matter because a marine policy is assembled from clauses, and a clause recognised by both the insurer and the reinsurer behind it is easier to place. Where wording is standardised, a dispute becomes a dispute about facts.

Renminbi use matters because a shipping company’s revenue and a manufacturer’s freight cost are increasingly denominated in renminbi while the cover is not. A policy written in the settlement currency removes one basis risk from the hedge.

Independent pricing matters because a market that can price its own risks can also retain them. The guidance pairs pricing capability with retained capacity: insurers and the China Shipowners Mutual Assurance Association are asked to raise retained limits.

Cover across an asset’s life

Shipbuilders and shipping companies are asked to use insurance tools actively to disperse risk as they pursue greener and more digital operations, and to use the ship survey and evaluation mechanism to build programmes covering design, construction, operation and disposal for high-value vessels and offshore equipment. The list is specific: oil tankers, liquefied natural gas carriers, large container ships, large cruise ships, large bulk and ore carriers, and yachts.

For a company importing or building such an asset in China, the practical change is the unit of cover. A cargo policy covers a voyage; a lifecycle programme covers a shipyard delay, a construction period, a delivery voyage, an operating loss and a disposal. The gaps between those policies are where uninsured losses live.

The new risk list

New energy and clean energy vessels are to be supported with cover along the industrial chain — green fuel bunkering, battery system replacement, green retrofit and operational safety. Smart ships with autonomous navigation and remote control are to strengthen cover for emerging risks such as cyber security.

The document then names what a basic cargo policy does not reach: geopolitical conflict, logistics and supply chain interruption, cyber security, and ice navigation. It asks the market to optimise products for these in response to demand, and to speed up development for cross-border e-commerce and commodities.

What it means for pharmaceutical and cold-chain shippers

A pharmaceutical importer’s exposure is usually not the hull but the container. Temperature deviation, a broken cold chain, a delay at a transhipment port — these are cargo risks with a liability question attached, and the emphasis on claims and risk reduction speaks to them.

Two cautions apply. The standard clauses are being developed, not issued, so a contract today still rests on negotiated terms and on the actual policy wording. And the guidance does not address pharmaceutical market access: hospital investment, drug registration and device approval are separate regimes.

Practical steps

• Read the programme as a chain — cargo, construction, installation, trial operation, operating loss, disposal — and mark where one policy ends and the next begins.
• Ask where retained capacity sits and how much risk is ceded; a low premium behind a thin reinsurance tower is a price, not cover.
• Align the insurance schedule with the customs and installation schedule; a week between discharge and installation is uninsured.
• Match the currency of the policy to the currency of the loss; a renminbi policy and a dollar claim leave an unhedged exposure.
• Keep the evidence chain for a cross-border claim: survey report, temperature log, notice of loss, and the letters showing when the carrier was told.

Outlook

Expect implementing rules on product management and broker conduct, and industry work on the standard clauses.

Sources

• 国家金融监督管理总局·七部委《关于加快航运保险高质量发展的指导意见》新闻稿：https://www.nfra.gov.cn/cn/view/pages/ItemDetail.html?docId=1278246
• 商务部·七部委联合印发《关于加快航运保险高质量发展的指导意见》：https://www.mofcom.gov.cn/syxwfb/art/2026/art_59e15dddb16b49559d6cc9253377493a.html
• 国家金融监督管理总局·《关于加快航运保险高质量发展的指导意见》全文：https://www.nfra.gov.cn/cn/view/pages/ItemDetail.html?docId=1278317&itemId=928
• 中国政府网·国务院政策文件库：https://www.gov.cn/

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航运保险指导意见：七部委在保障、条款与定价上说了什么

概述

2026 年 11 月 6 日，七部委联合印发《关于加快航运保险高质量发展的指导意见》。印发单位为金融监管总局、交通运输部、国家发展改革委、财政部、商务部、中国人民银行、国务院国资委。

这是一份指导意见。它讲方向、列任务，把任务分派给监管部门和行业。它没有开放申报窗口，没有创设许可类别，也没有把补贴绑定到某一项具体活动上。如果把它读成”可以来申请优惠”，会发现没有表格可填；如果把它读成”市场往哪里走”的说明——标准条款、人民币计价、自主定价——那它现在就能告诉我们，应当怎样把自身的保险安排往这个方向对齐。

这是一份什么性质的文件

政策工具是分层的，层级决定了企业能拿这份文本做什么。目录、负面清单这类工具改变的是”允许做什么”，指导意见不改变这些。它设定目标、列出任务，把可执行的规则留给必须起草细则的监管部门。

这一区分对三项有商业分量的内容最关键——标准条款、人民币使用、自主定价。三者都写成”要制定””要扩大””要提升”，而不是”已经生效”。在条款起草发布之前，一份保单的条款仍然是双方谈出来的条款。

五方面任务概要

保障。 健全船舶全生命周期风险管理体系，完善货物运输风险保障机制，扩大航运保险保障供给。

市场与竞争力。 制定航运保险标准条款，扩大人民币使用，提升自主定价能力，深化对外交流合作。

理赔。 改进理赔服务质效，鼓励风险减量，加强全球综合服务网络建设，提升全球服务水平。

监管。 完善航运保险产品管理机制，规范航运保险经纪行为，严格落实监管职责，压实企业风险防控主体责任。

环境。 优化业务支持机制，整治非理性竞争，健全人才培养体系，细化配套支持政策。

五个方面合起来，描述的是一张自己给自己的风险定价、而不是进口一个价格的市场。

条款、币种与定价

标准条款之所以重要，是因为海上保单是由一条条条款拼装起来的文件，而一条同时被保险人和其背后的再保险人认得的条款，更容易分出。措辞一旦标准化，争议就从”这句话什么意思”变成”事实是什么”。

人民币使用之所以重要，是因为航运公司的收入与制造企业的运费正越来越多地以人民币计价，而保单不是。用结算币种书写的保单，从对冲里去掉了一重基差风险。

自主定价之所以重要，是因为能给自己风险定价的市场，也就能把风险留在自己手里。文件把定价能力与自留能力放在一起：推动保险公司与中国船东互保协会合理提升自留风险额度。

覆盖资产全生命周期

文件要求船舶制造企业、航运企业在推动绿色化、数智化发展的过程中，主动运用保险工具分散风险；要求充分利用船检评估机制，推动高价值船舶与海工装备健全覆盖设计、建造、营运、处置等全生命周期的保险管理方案。列举的船型是具体的：油轮、液化天然气船、大型集装箱船、大型邮轮、大型散矿船、游艇。

对在中国进口或建造这类资产的企业，实际变化是”保障单位”。一张货运险保单保的是一段航程；一套全生命周期方案保的是船厂延期、建造期、交付航程、营运损失与处置。这些保单之间的缝隙，正是没有保险的损失所在。

新的风险清单

新能源清洁能源船舶，要提升对绿色燃料加注、电池系统更换、绿色改装、运营安全等相关产业链的保险保障水平。具备自主航行、远程控制能力的智能船舶，要强化网络安全等新兴风险保障。

文件随后点出了基本货运险够不到的风险：地缘政治冲突、物流和供应链中断、网络安全、冰区航行。它要求市场响应需求、优化这些特殊和新型风险的产品供给，并加快跨境电商等新业态及大宗商品等重点领域的保险产品研发推广。

对医药与冷链货主意味着什么

医药进口方的暴露通常不在船壳，而在集装箱。温控偏差、冷链断链、转运港延误——这些是货物风险，同时挂着一个责任问题；文件对理赔质量和风险减量的强调，正对着这些场景。

两点需要提醒。标准条款正在制定、尚未发布，所以今天的合同仍要靠谈出来的条款和保单实际措辞。另外，文件不涉及医药市场准入：医院投资、药品注册、器械审批是另外的制度。

落地步骤

• 把保险安排当链条读：货运、建造、安装、试运行、营运损失、处置，并标出上一张保单在哪里结束、下一张从哪里开始。
• 向经纪人问清自留能力放在哪里、分出了多少风险；保费便宜而再保层级单薄，那是一个价格，不是一份保障。
• 大型设备进口时，把保险排期与报关、安装排期对齐；卸船到安装之间空出的一周，就是没有保险的一周。
• 让保单币种与损失币种一致；人民币保单配美元索赔，会留下一重没有对冲的折算暴露。
• 跨境索赔留好证据链：检验报告、温度记录、损失通知，以及能够证明何时已告知承运人的往来函件。

展望

可以预期监管部门会就产品管理与经纪行为出台实施细则，行业层面会推进标准条款的起草。方向已经足够清晰，可以据此规划。

来源

• 国家金融监督管理总局·七部委《关于加快航运保险高质量发展的指导意见》新闻稿：https://www.nfra.gov.cn/cn/view/pages/ItemDetail.html?docId=1278246
• 商务部·七部委联合印发《关于加快航运保险高质量发展的指导意见》：https://www.mofcom.gov.cn/syxwfb/art/2026/art_59e15dddb16b49559d6cc9253377493a.html
• 国家金融监督管理总局·《关于加快航运保险高质量发展的指导意见》全文：https://www.nfra.gov.cn/cn/view/pages/ItemDetail.html?docId=1278317&itemId=928
• 中国政府网·国务院政策文件库：https://www.gov.cn/