东京 -- 东京海上控股将于下个月开始销售针对人工智能驱动机器人的保险，因为全球该类机器市场预计将在10年内超过800亿美元。
TOKYO -- Tokio Marine Holdings will begin selling insurance for artificial intelligence-powered robots starting next month, as the global market for the machines is expected to exceed $80 billion within 10 years.
作为日本首家提供此类保险的非寿险公司，东京海上旨在抢占市场扩张的先机。
As the first nonlife insurance company in Japan to offer this type of insurance, Tokio Marine aims to take a head start in market expansion.
利用AI控制机器人被称为“物理AI”。基于摄像头和传感器的信息，机器自主评估局势并做出相应行动。预计这不仅将在工厂，还将在养老院、零售店等面临严重劳动力短缺的场所得到广泛应用。由AI创造的新经济圈也正扩展至保险业。
The use of AI to control robots is called physical AI. Based on information from cameras and sensors, machines autonomously assess a situation and act accordingly. It is expected to become widely adopted not only in factories but also in places facing severe labor shortages, such as nursing homes and retail stores. The new economic sphere created by AI is also expanding into the insurance industry.
子公司东京海上日动火灾保险将推出专门针对配备物理AI的机器人和机器的专属保单。该保单将承保因灾害或事故导致故障时的维修和更换费用。
Subsidiary Tokio Marine & Nichido Fire Insurance will launch a dedicated policy for robots and machines equipped with physical AI. The policy will cover the costs of repair and replacement in the event of malfunction due to disaster or accident.
还将承保因故障造成人员或财产损害的赔偿费用，以及发生故障时安排替代机器人或人员的费用。
It will also cover compensation costs for damage to people or property caused by malfunctions, and the expenses of arranging replacement robots or personnel in the event of a breakdown.
对于一台500万日元（约合31,875美元）的机器人，年保费预计为数十万日元。这比现有的机器人保险高出20%。因为活动范围比现有工业机器人大幅扩大，预期风险也更大。目标是到2027财年承保约1000台机器人。
For a 5 million yen ($31,875) robot, the annual premium is expected to be several hundred thousand yen. This is 20% higher than current robot insurance. Because the range of motion is significantly wider than that of current industrial robots, anticipated risks are also greater. The goal is to cover around 1,000 robots by fiscal year 2027.
据印度研究公司Acumen Research and Consulting统计，全球物理AI市场将于2035年达到827亿美元。这比去年增长16倍。在日本，政府目标是到2040年导入1000万台配备AI的机器人。
According to Indian research firm Acumen Research and Consulting, the global market for physical AI will reach $82.7 billion by 2035. This represents a 16-fold increase from last year. In Japan, the government aims to introduce 10 million robots equipped with AI by 2040.