With the in-depth development of a new round of global scientific and technological revolution and industrial transformation, the world has entered the era of digital economy, boosted by digital technology innovations such as the Internet, big data, cloud computing, artificial intelligence, and blockchain. The metaverse includes not only virtual reality, virtual digital humans but also virtual assets, which have certain risks. So how should metaverse insurance develop?
Digital assets refer to a collective term for a set of activities in the digital financial services ecosystem. As an emerging asset class, it has gradually gained more and more attention from investors. As the types of digital assets continue to increase, the application scenarios continue to be rich, and the application scope is becoming more and more extensive, it also faces the same risks as real property.
In the metaverse, whether it is virtual real estate, digital currency, or virtual items, etc., all have real value, which requires the blessing of the insurance industry, and the corresponding market space for metaverse insurance is huge. Insurance companies can provide relevant insurance products to protect these digital assets and reduce risks.
And, with the landing of large models such as ChatGPT and the gradual popularization of VR devices, the wave of the metaverse has come. Metaverse-related risks such as virtual assets and virtual digital humans are also becoming apparent, and there may also be health and safety risks for people who use VR headsets to explore virtual worlds, including eye strain, dizziness, motion sickness, muscle tension, neck discomfort, etc.
Therefore, life insurance related to the metaverse is also a direction that insurance companies can consider. The digital asset market is highly volatile and is a new type of asset with high risk and high growth. Compared with traditional asset classes, the correlation of the digital asset market is low, and traditional asset managers are basically cautious about digital asset investment.
Of course, with the continuous development of the digital economy, it is also inseparable from the blessing of digital life insurance. The risk of the metaverse represented by digital industrialization is increasing year by year, and the corresponding market space for metaverse insurance is huge.