Fuente: Direcci\u00f3n General de Vuelo a Baja Altitud<\/p>\n\n\n\n
Opiniones de aplicaci\u00f3n de la Comisi\u00f3n Nacional de Desarrollo y Reforma, la Administraci\u00f3n General de Supervisi\u00f3n Financiera y la Administraci\u00f3n de Aviaci\u00f3n Civil de China sobre el fomento del desarrollo de calidad del seguro de vuelo a baja altitud<\/strong><\/p>\n\n\n\n Fagdi [2026] n.\u00ba 123<\/p>\n\n\n\n Comisiones de Desarrollo y Reforma de las provincias, los autonom\u00edas, las ciudades directamente administradas y las ciudades con estatuto especial, as\u00ed como del Cuerpo de Producci\u00f3n y Construcci\u00f3n de Xinjiang; todas las oficinas de supervisi\u00f3n financiera; y todas las direcciones regionales de aviaci\u00f3n civil:<\/p>\n\n\n\n El seguro de vuelo a baja altitud es un tipo de seguro cuyo objetivo principal es garantizar la seguridad de las actividades de vuelo a baja altitud y que ofrece cobertura frente a los riesgos relacionados con la fabricaci\u00f3n y explotaci\u00f3n de aeronaves de vuelo a baja altitud, la construcci\u00f3n de infraestructuras para dicho tipo de vuelo y diversos servicios especializados. Reviste una gran importancia para la creaci\u00f3n de un sistema de gesti\u00f3n de la seguridad del vuelo a baja altitud, el afianzamiento de las bases para el desarrollo seguro de la econom\u00eda del vuelo a baja altitud y el fomento de una desarrollo de alta calidad de dicha econom\u00eda. De conformidad con las decisiones y disposiciones del Comit\u00e9 Central del Partido Comunista de China y del Consejo de Estado, y con arreglo a la \u00abLey de Seguros de la Rep\u00fablica Popular China\u00bb, la \u00abLey de Aviaci\u00f3n Civil de la Rep\u00fablica Popular China\u00bb y el \u00abReglamento provisional sobre la gesti\u00f3n de vuelos de aeronaves no tripuladas\u00bb, entre otras normas legales, se elaboran las presentes opiniones de aplicaci\u00f3n.<\/p>\n\n\n\n I. Requisitos generales<\/strong><\/p>\n\n\n\n Gui\u00e1ndonos por el pensamiento de Xi Jinping sobre el socialismo con caracter\u00edsticas chinas para la nueva era, aplicaremos plenamente el esp\u00edritu del XX Congreso del Partido y de todas las sesiones plenarias de su XX Comit\u00e9 Central; nos mantendremos fieles a una planificaci\u00f3n sistem\u00e1tica, a los avances en \u00e1reas prioritarias, a la promoci\u00f3n coordinada y a la implementaci\u00f3n gradual, con el fin de acelerar la creaci\u00f3n de un sistema de seguros para el espacio a\u00e9reo de baja altitud que cuente con una amplia cobertura, una s\u00f3lida protecci\u00f3n, un servicio profesional y un mercado regulado, y que contribuya mejor al desarrollo seguro y saludable de la econom\u00eda del espacio a\u00e9reo de baja altitud. Para 2027, se habr\u00e1 establecido de forma preliminar el r\u00e9gimen de seguro obligatorio de responsabilidad civil para aeronaves no tripuladas, se habr\u00e1 ampliado continuamente la gama de productos de seguros para el espacio a\u00e9reo de baja altitud y se habr\u00e1n satisfecho mejor las necesidades de cobertura de los distintos escenarios de aplicaci\u00f3n; para 2030, se habr\u00e1 configurado b\u00e1sicamente el marco normativo de los seguros para el espacio a\u00e9reo de baja altitud y se habr\u00e1 reforzado de forma continua su funci\u00f3n de garant\u00eda para el desarrollo seguro y saludable de la econom\u00eda del espacio a\u00e9reo de baja altitud.<\/p>\n\n\n\n 2. Perfeccionar el sistema de pol\u00edticas de seguros para vuelos a baja altura<\/strong><\/p>\n\n\n\n (1) Reforzar la orientaci\u00f3n mediante la planificaci\u00f3n.<\/strong>Las autoridades competentes deben integrar los seguros en la planificaci\u00f3n general del desarrollo del sector a\u00e9reo de baja altitud y en la creaci\u00f3n de marcos normativos, e impulsar la mejora de la legislaci\u00f3n pertinente. Deben orientar a las autoridades locales para que, en el marco del desarrollo de este sector, aprovechen plenamente las funciones de los seguros en materia de indemnizaci\u00f3n por p\u00e9rdidas, gesti\u00f3n de riesgos y optimizaci\u00f3n del entorno, y animarlas a incorporar los seguros en el sistema de pol\u00edticas locales de desarrollo del sector a\u00e9reo de baja altitud, as\u00ed como a adoptar, en funci\u00f3n de las circunstancias locales, pol\u00edticas de apoyo que fomenten el desarrollo de los seguros para este sector.(Bajo la direcci\u00f3n de la Comisi\u00f3n Nacional de Desarrollo y Reforma, con la participaci\u00f3n de la Administraci\u00f3n General de Supervisi\u00f3n Financiera y la Administraci\u00f3n de Aviaci\u00f3n Civil de China. La aplicaci\u00f3n de las medidas que figuran a continuaci\u00f3n corresponde a los organismos competentes a nivel provincial, por lo que no se enumeran de nuevo).<\/strong><\/p>\n\n\n\n (2) Incorporaci\u00f3n a las normas de supervisi\u00f3n de seguridad.<\/strong>Las autoridades competentes de los distintos sectores deben perfeccionar las normas de supervisi\u00f3n del sector, adoptar medidas eficaces y considerar los seguros como un medio importante para reforzar la supervisi\u00f3n de la seguridad en la explotaci\u00f3n de los escenarios de aplicaci\u00f3n y perfeccionar el sistema de gesti\u00f3n de accidentes, con el fin de impulsar la expansi\u00f3n ordenada de los escenarios de aplicaci\u00f3n de la econom\u00eda de vuelo a baja altitud.(Bajo la direcci\u00f3n de la Comisi\u00f3n Nacional de Desarrollo y Reforma, con la participaci\u00f3n de los departamentos sectoriales pertinentes)<\/strong><\/p>\n\n\n\n (3) Fomentar el uso de mecanismos de seguros.<\/strong>Las autoridades competentes de los distintos sectores deben impulsar activamente la conexi\u00f3n entre la oferta y la demanda, y fomentar un ecosistema propicio para el desarrollo de los seguros en el sector de los vuelos a baja altitud. Se anima a las empresas de este sector, especialmente a las dedicadas a la fabricaci\u00f3n y explotaci\u00f3n de aeronaves de vuelo a baja altitud, a que consideren la contrataci\u00f3n de seguros como un componente esencial para perfeccionar sus sistemas internos de gesti\u00f3n de la seguridad. Se debe impulsar a las empresas l\u00edderes de la cadena de valor de la econom\u00eda de los vuelos a baja altitud a que, a trav\u00e9s de los seguros, coordinen sus actividades con las empresas de las fases anteriores y posteriores de la cadena, con el fin de reducir los costes asociados a los riesgos de la misma. Se apoyar\u00e1 a las pymes en el uso de los seguros para reforzar su capacidad de protecci\u00f3n frente a los riesgos que conlleva el desarrollo y la innovaci\u00f3n. Se anima a los sujetos que utilicen aeronaves no tripuladas de tama\u00f1o reducido y ligero para realizar actividades de vuelo no comerciales a que contraten un seguro de responsabilidad civil.(Bajo la direcci\u00f3n de la Comisi\u00f3n Nacional de Desarrollo y Reforma, con la participaci\u00f3n del Ministerio de Industria y Tecnolog\u00eda de la Informaci\u00f3n y la Administraci\u00f3n de Aviaci\u00f3n Civil de China)<\/strong><\/p>\n\n\n\n III. Acelerar la implantaci\u00f3n de un r\u00e9gimen de seguro obligatorio de responsabilidad civil para aeronaves no tripuladas<\/strong><\/p>\n\n\n\n (IV) Reforzar la gesti\u00f3n a lo largo de toda la cadena.<\/strong>En el caso de las aeronaves no tripuladas que, de conformidad con la legislaci\u00f3n vigente, deban estar aseguradas, se impulsar\u00e1 la inclusi\u00f3n de la obligaci\u00f3n de contrataci\u00f3n de un seguro como requisito previo en los tr\u00e1mites de autorizaci\u00f3n de las actividades de vuelo y otros procesos administrativos; se reforzar\u00e1 la verificaci\u00f3n de la situaci\u00f3n de los seguros en la gesti\u00f3n de las operaciones de vuelo y, en la gesti\u00f3n de accidentes, \u201cse verificar\u00e1 en todos los casos\u201d. Se estudiar\u00e1 el establecimiento de disposiciones normativas relativas a los sujetos responsables, la determinaci\u00f3n de responsabilidades y los procedimientos de gesti\u00f3n relacionados con el seguro obligatorio.(Bajo la direcci\u00f3n de la Administraci\u00f3n de Aviaci\u00f3n Civil de China, con la participaci\u00f3n de la Administraci\u00f3n General de Supervisi\u00f3n Financiera y otros organismos pertinentes)<\/strong><\/p>\n\n\n\n (v) Elaborar las normas de aplicaci\u00f3n.<\/strong>Elaborar, de conformidad con la ley, las normas de aplicaci\u00f3n relativas a la suscripci\u00f3n obligatoria del seguro de responsabilidad civil para aeronaves no tripuladas; definir, bajo el principio de control de riesgos, el alcance b\u00e1sico de la responsabilidad y los l\u00edmites m\u00ednimos de cobertura; y establecer un sistema completo de medidas complementarias para la suscripci\u00f3n obligatoria de dicho seguro.(Bajo la direcci\u00f3n de la Administraci\u00f3n de Aviaci\u00f3n Civil de China, con la participaci\u00f3n de la Comisi\u00f3n Nacional de Desarrollo y Reforma y la Administraci\u00f3n General de Supervisi\u00f3n Financiera) Se publicar\u00e1n las cl\u00e1usulas modelo del seguro de responsabilidad civil para aeronaves no tripuladas y se estudiar\u00e1 la elaboraci\u00f3n de unas directrices de servicio. (Bajo la direcci\u00f3n de la Administraci\u00f3n General de Supervisi\u00f3n Financiera)<\/strong><\/p>\n\n\n\n IV. Refuerzo del sistema de garant\u00eda de servicios<\/strong><\/p>\n\n\n\n (VI) Optimizar la cobertura de seguros en toda la cadena de valor.<\/strong>Se orientar\u00e1 a las compa\u00f1\u00edas de seguros para que se adapten de forma proactiva a las tendencias de desarrollo de la econom\u00eda del espacio a\u00e9reo de baja altitud y establezcan progresivamente un sistema de productos de seguros que abarque toda la cadena de valor, incluyendo la investigaci\u00f3n y el desarrollo, la fabricaci\u00f3n, las operaciones de vuelo y las infraestructuras de apoyo. Se explorar\u00e1 el desarrollo de productos y la innovaci\u00f3n en los servicios que ofrezcan cobertura frente a los nuevos riesgos del espacio a\u00e9reo de baja altitud, tales como la seguridad de los vuelos, la seguridad t\u00e9cnica, la seguridad de las redes y los datos, la seguridad medioambiental y de las instalaciones, as\u00ed como la seguridad en las operaciones humanas. Ampliar la oferta de seguros para aeronaves no tripuladas de tama\u00f1o mediano y grande, y optimizar y perfeccionar a\u00fan m\u00e1s la oferta de seguros para aeronaves tripuladas tradicionales, con el fin de impulsar la creaci\u00f3n de un sistema de cobertura con garant\u00edas suficientes y un servicio eficiente. Se utilizar\u00e1n activamente los medios tecnol\u00f3gicos emergentes para lograr, de forma gradual, una gesti\u00f3n en l\u00ednea de todo el proceso, c\u00f3moda e inteligente, de los seguros para aeronaves no tripuladas micro, ligeras y peque\u00f1as. Se integrar\u00e1n los recursos especializados, se optimizar\u00e1n la suscripci\u00f3n y la liquidaci\u00f3n de siniestros, y se mejorar\u00e1 la satisfacci\u00f3n de los consumidores. Se reforzar\u00e1 el apoyo en materia de seguro de cr\u00e9dito a la exportaci\u00f3n, seguro de responsabilidad civil por productos de exportaci\u00f3n y reaseguro, con el fin de respaldar la expansi\u00f3n de la industria de los vuelos a baja altitud en el mercado internacional.(bajo la direcci\u00f3n de la Administraci\u00f3n General de Supervisi\u00f3n Financiera)<\/strong><\/p>\n\n\n\n (7) Escenarios de aplicaci\u00f3n de servicios personalizados.<\/strong>Dirigido a diversos \u00e1mbitos de aplicaci\u00f3n, como las actividades agr\u00edcolas y forestales, las inspecciones a baja altitud, la topograf\u00eda y la prospecci\u00f3n, la log\u00edstica a baja altitud, el transporte a\u00e9reo a baja altitud, la gesti\u00f3n urbana, la gesti\u00f3n de emergencias, la asistencia m\u00e9dica, el turismo a\u00e9reo a baja altitud y los deportes a\u00e9reos, entre otros, ofrece una cobertura de seguro espec\u00edfica en funci\u00f3n de la fase de desarrollo de cada \u00e1mbito, el tipo de riesgo y las necesidades de gesti\u00f3n de riesgos, con el fin de impulsar la mejora de los mecanismos de gesti\u00f3n de accidentes y reparto de p\u00e9rdidas.(La Comisi\u00f3n Nacional de Desarrollo y Reforma, la Administraci\u00f3n General de Supervisi\u00f3n Financiera y la Administraci\u00f3n de Aviaci\u00f3n Civil de China se encargar\u00e1n de ello seg\u00fan el reparto de competencias)<\/strong><\/p>\n\n\n\n V. Mejora de la capacidad de gesti\u00f3n sostenible de las aseguradoras<\/strong><\/p>\n\n\n\n (8) Impulsar la infraestructura de datos.<\/strong>Acelerar la creaci\u00f3n de una plataforma de informaci\u00f3n sobre seguros de vuelo a baja altitud, establecer y perfeccionar las normas relativas a los datos, y respaldar la fijaci\u00f3n de precios actuariales y la supervisi\u00f3n de riesgos. (Bajo la direcci\u00f3n de la Administraci\u00f3n General de Supervisi\u00f3n Financiera) Se explorar\u00e1 la integraci\u00f3n de la plataforma de informaci\u00f3n sobre seguros de vuelo a baja altitud con el sistema inteligente de conexi\u00f3n en red de vuelo a baja altitud, con el fin de lograr el intercambio de informaci\u00f3n b\u00e1sica \u2014como datos sobre la suscripci\u00f3n y la liquidaci\u00f3n de siniestros, informaci\u00f3n sobre operaciones de vuelo, informaci\u00f3n crediticia de las empresas operadoras y registros de actividades de vuelo ilegales o que incumplan la normativa\u2014, as\u00ed como de informaci\u00f3n sobre riesgos geogr\u00e1ficos, meteorol\u00f3gicos y electromagn\u00e9ticos. Fomentar la aplicaci\u00f3n de datos por parte del sector asegurador y de las empresas fabricantes y operadoras de aeronaves de vuelo a baja altitud, con el fin de mejorar el nivel de los servicios financieros. Consolidar progresivamente la base de datos para proporcionar apoyo informativo a la suscripci\u00f3n y liquidaci\u00f3n precisas de seguros, la supervisi\u00f3n de los vuelos de aeronaves, la gesti\u00f3n de riesgos y la gesti\u00f3n de accidentes.(Bajo la direcci\u00f3n de la Comisi\u00f3n Nacional de Desarrollo y Reforma, con la participaci\u00f3n del Ministerio de Industria y Tecnolog\u00eda de la Informaci\u00f3n, el Ministerio de Recursos Naturales, la Administraci\u00f3n General de Supervisi\u00f3n Financiera, la Administraci\u00f3n Meteorol\u00f3gica de China y la Administraci\u00f3n de Aviaci\u00f3n Civil de China)<\/strong><\/p>\n\n\n\n (9) Reforzar el desarrollo de las competencias profesionales.<\/strong>Se instar\u00e1 a las entidades aseguradoras a que, en colaboraci\u00f3n con los fabricantes y operadores de aeronaves de vuelo a baja altura, intensifiquen la investigaci\u00f3n sobre los nuevos riesgos asociados a este tipo de vuelo, con el fin de mejorar la capacidad de identificaci\u00f3n y evaluaci\u00f3n de los riesgos asegurables; se perfeccionar\u00e1 la gesti\u00f3n empresarial, se impulsar\u00e1 progresivamente la recopilaci\u00f3n de datos y se utilizar\u00e1n de forma activa modelos de cuantificaci\u00f3n de riesgos y herramientas de evaluaci\u00f3n de riesgos, con el objetivo de mejorar el car\u00e1cter cient\u00edfico del desarrollo de productos y la precisi\u00f3n en la fijaci\u00f3n de tarifas. Se apoyar\u00e1 a las entidades de reaseguro para que desempe\u00f1en plenamente sus funciones de investigaci\u00f3n de riesgos, tarificaci\u00f3n actuarial y dispersi\u00f3n de riesgos. Se apoyar\u00e1 a los intermediarios especializados en seguros para que aprovechen sus conocimientos espec\u00edficos y presten asistencia en la suscripci\u00f3n y la liquidaci\u00f3n de siniestros. Se intensificar\u00e1 la formaci\u00f3n de personal especializado y se reforzar\u00e1 el desarrollo de las competencias profesionales de los trabajadores del sector.(bajo la direcci\u00f3n de la Administraci\u00f3n General de Supervisi\u00f3n Financiera)<\/strong><\/p>\n\n\n\n VI. Reforzar las garant\u00edas organizativas<\/strong><\/p>\n\n\n\n (10) Reforzar la coordinaci\u00f3n y la planificaci\u00f3n integral.<\/strong>La Comisi\u00f3n Nacional de Desarrollo y Reforma, en colaboraci\u00f3n con la Administraci\u00f3n General de Supervisi\u00f3n Financiera y la Administraci\u00f3n de Aviaci\u00f3n Civil de China, coordina y promueve la implementaci\u00f3n del seguro de vuelo a baja altitud. La Comisi\u00f3n Nacional de Desarrollo y Reforma lidera el establecimiento de un mecanismo de coordinaci\u00f3n permanente, orienta a las distintas localidades en la aplicaci\u00f3n de los requisitos pertinentes, estudia y resuelve los principales problemas y dificultades que surgen durante el proceso de implantaci\u00f3n del seguro de vuelo a baja altitud, y fomenta la sinergia en el trabajo; La Administraci\u00f3n de Aviaci\u00f3n Civil de China supervisa y gestiona, de conformidad con la ley, la situaci\u00f3n de las p\u00f3lizas de seguro y lidera el establecimiento de un r\u00e9gimen de seguro obligatorio de responsabilidad civil para aeronaves no tripuladas; la Administraci\u00f3n General de Supervisi\u00f3n Financiera supervisa y gestiona, de conformidad con la ley, las actividades relacionadas con los seguros de vuelo a baja altitud, impulsa la mejora de las normas de funcionamiento del sector asegurador, refuerza la supervisi\u00f3n operativa y de capital, y regula el comportamiento del mercado. Los departamentos pertinentes impulsan la construcci\u00f3n del marco normativo y el cumplimiento de las responsabilidades de acuerdo con la distribuci\u00f3n de competencias.<\/p>\n\n\n\n (11) Reforzar la prevenci\u00f3n y el control de riesgos.<\/strong>Las autoridades competentes de los respectivos sectores deben hacer que las empresas asuman plenamente su responsabilidad principal en la prevenci\u00f3n y el control de riesgos, y velar rigurosamente por que no se utilicen los seguros para cometer actividades ilegales o contrarias a la normativa, como el fraude en materia de seguros. Los organismos pertinentes deben profundizar en su conocimiento de las leyes que rigen el sector de los seguros e impulsar el desarrollo de este sector bas\u00e1ndose en el principio de la sostenibilidad comercial. Las autoridades de supervisi\u00f3n financiera deben instar a las compa\u00f1\u00edas de seguros a operar de conformidad con la ley, reforzar la gesti\u00f3n de los controles internos y ampliar sus actividades de forma ordenada, siempre que cuenten con la solidez financiera necesaria y hayan evaluado adecuadamente los riesgos operativos, con el fin de proteger eficazmente los derechos y intereses leg\u00edtimos de los consumidores.<\/p>\n\n\n\n (12) Intensificar la divulgaci\u00f3n y la promoci\u00f3n.<\/strong>Las autoridades competentes de los distintos sectores deben reforzar la divulgaci\u00f3n y la educaci\u00f3n en materia de seguridad en el espacio a\u00e9reo de baja altitud, con el fin de aumentar la concienciaci\u00f3n sobre la prevenci\u00f3n de riesgos en dicho \u00e1mbito. Se debe aprovechar al m\u00e1ximo el papel impulsor de las asociaciones sectoriales y las empresas clave del sector del espacio a\u00e9reo de baja altitud, impartir formaci\u00f3n y divulgaci\u00f3n al p\u00fablico sobre el seguro para el espacio a\u00e9reo de baja altitud, dar a conocer su funci\u00f3n y su utilidad, y recopilar y difundir casos emblem\u00e1ticos y experiencias eficaces.<\/p>\n\n\n\n Comisi\u00f3n Nacional de Desarrollo y Reforma<\/p>\n\n\n\n Administraci\u00f3n General de Supervisi\u00f3n Financiera<\/p>\n\n\n\n Administraci\u00f3n de Aviaci\u00f3n Civil de China<\/p>\n\n\n\n 28 de enero de 2026<\/p>","protected":false},"excerpt":{"rendered":" \u6765\u6e90\uff1a\u4f4e\u7a7a\u53f8 \u56fd\u5bb6\u53d1\u5c55\u6539\u9769\u59d4 \u91d1\u878d\u76d1\u7ba1\u603b\u5c40 \u4e2d\u56fd\u6c11\u822a\u5c40\u5173\u4e8e\u63a8\u52a8\u4f4e\u7a7a\u4fdd\u9669\u9ad8\u8d28\u91cf\u53d1\u5c55\u7684\u5b9e\u65bd\u610f\u89c1 \u53d1\u6539\u4f4e\u7a7a\u30142026 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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.uagb-ifb-left-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-9201899d .uagb-ifb-content .uagb-ifb-right-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content img{box-sizing: content-box;}.uagb-block-9201899d .uagb-ifb-icon{width: 20px;line-height: 20px;}.uagb-block-9201899d .uagb-ifb-icon > span{font-size: 20px;width: 20px;line-height: 20px;}.uagb-block-9201899d .uagb-iconbox-icon-wrap{width: 20px;height: 20px;line-height: 20px;}.uagb-block-9201899d .uagb-infobox-margin-wrapper{display: flex;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg {margin-left: 5px;}[dir=rtl] .uagb-block-9201899d.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg{margin-right: 5px;margin-left: 0px;}}.uagb-block-f0374038 .uagb-ifb-icon{width: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-ifb-icon > span{font-size: 20px;width: 20px;line-height: 20px;color: var(--ast-global-color-5);}.uagb-block-f0374038 .uagb-ifb-icon svg{fill: var(--ast-global-color-5);}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-icon-wrap svg{width: 20px;height: 20px;line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-icon-wrap svg{line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-f0374038 .uagb-iconbox-icon-wrap{margin: auto;display: inline-flex;align-items: center;justify-content: center;box-sizing: content-box;width: 20px;height: 20px;line-height: 20px;padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-left-title-image svg{width: 20px;line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-right-title-image svg{width: 20px;line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-f0374038 .uagb-infobox__content-wrap .uagb-ifb-imgicon-wrap{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-f0374038 .uagb-infobox .uagb-ifb-image-content img{border-radius: 0px;}.uagb-block-f0374038.uagb-infobox__content-wrap img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-right-title-image > img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-left-title-image > img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content > img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-f0374038 .uagb-ifb-title-wrap .uagb-ifb-title-prefix{margin-bottom: 10px;margin-top: 5px;}.uagb-block-f0374038 .uagb-ifb-title{font-weight: 400;margin-bottom: 0px;}.uagb-block-f0374038 .uagb-ifb-desc{margin-bottom: 20px;}.uagb-block-f0374038 .uagb-ifb-separator{width: 30%;border-top-width: 2px;border-top-color: #333;border-top-style: solid;margin-bottom: 0px;}.uagb-block-f0374038 .uagb-infobox__content-wrap .uagb-ifb-separator{width: 30%;border-top-width: 2px;border-top-color: #333;border-top-style: solid;}.uagb-block-f0374038 .uagb-ifb-align-icon-after{margin-left: 5px;}.uagb-block-f0374038 .uagb-ifb-align-icon-before{margin-right: 5px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content svg{box-sizing: content-box;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content img{box-sizing: content-box;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg {margin-left: 5px;}[dir=rtl] .uagb-block-f0374038 .uagb-iconbox-icon-wrap{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-right-title-image > img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-left-title-image > img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content > img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox-left{text-align: right;}[dir=rtl] .uagb-block-f0374038.uagb-infobox-right{text-align: left;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg{margin-right: 5px;margin-left: 0px;}@media only screen and (max-width: 976px) {.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{width: 20px;height: 20px;line-height: 20px;font-size: 20px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{line-height: 20px;font-size: 20px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content img{box-sizing: content-box;}.uagb-block-f0374038 .uagb-ifb-icon{width: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-ifb-icon > span{font-size: 20px;width: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-iconbox-icon-wrap{width: 20px;height: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-left-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-right-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-f0374038 .uagb-infobox-margin-wrapper{display: flex;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg {margin-left: 5px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg{margin-right: 5px;margin-left: 0px;}}@media only screen and (max-width: 767px) {.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{width: 20px;height: 20px;line-height: 20px;font-size: 20px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{line-height: 20px;font-size: 20px;}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-left-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-right-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content img{box-sizing: content-box;}.uagb-block-f0374038 .uagb-ifb-icon{width: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-ifb-icon > span{font-size: 20px;width: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-iconbox-icon-wrap{width: 20px;height: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-infobox-margin-wrapper{display: flex;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg {margin-left: 5px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg{margin-right: 5px;margin-left: 0px;}}.uagb-block-7b17a252 .uagb-ifb-icon{width: 20px;line-height: 20px;}.uagb-block-7b17a252 .uagb-ifb-icon > span{font-size: 20px;width: 20px;line-height: 20px;color: var(--ast-global-color-5);}.uagb-block-7b17a252 .uagb-ifb-icon svg{fill: var(--ast-global-color-5);}.uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-icon-wrap svg{width: 20px;height: 20px;line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-7b17a252 .uagb-ifb-content .uagb-ifb-icon-wrap svg{line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-7b17a252 .uagb-iconbox-icon-wrap{margin: auto;display: inline-flex;align-items: center;justify-content: center;box-sizing: content-box;width: 20px;height: 20px;line-height: 20px;padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-7b17a252 .uagb-ifb-content .uagb-ifb-left-title-image svg{width: 20px;line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-7b17a252 .uagb-ifb-content .uagb-ifb-right-title-image svg{width: 20px;line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-7b17a252 .uagb-ifb-content .uagb-ifb-icon-wrap svg:hover{fill: var(--ast-global-color-1);color: var(--ast-global-color-1);}.uagb-block-7b17a252.uagb-infobox-icon-right .uagb-ifb-icon-wrap > svg:hover{fill: var(--ast-global-color-1);color: var(--ast-global-color-1);}.uagb-block-7b17a252.uagb-infobox-icon-left .uagb-ifb-icon-wrap > svg:hover{fill: var(--ast-global-color-1);color: var(--ast-global-color-1);}.uagb-block-7b17a252 .uagb-infbox__link-to-all:hover ~.uagb-ifb-content .uagb-ifb-icon-wrap svg{fill: var(--ast-global-color-1);}.uagb-block-7b17a252.uagb-infbox__link-to-all:hover ~.uagb-infobox__content-wrap svg{fill: var(--ast-global-color-1);}.uagb-block-7b17a252 .uagb-infbox__link-to-all:focus ~.uagb-ifb-content .uagb-ifb-icon-wrap svg{fill: var(--ast-global-color-1);}.uagb-block-7b17a252.uagb-infbox__link-to-all:focus ~.uagb-infobox__content-wrap svg{fill: var(--ast-global-color-1);}.uagb-block-7b17a252 .uagb-infobox__content-wrap .uagb-ifb-imgicon-wrap{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-7b17a252 .uagb-infobox .uagb-ifb-image-content img{border-radius: 0px;}.uagb-block-7b17a252.uagb-infobox__content-wrap img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-right-title-image > img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-left-title-image > img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-content > img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-7b17a252 .uagb-ifb-title-wrap .uagb-ifb-title-prefix{margin-bottom: 10px;margin-top: 5px;}.uagb-block-7b17a252 .uagb-ifb-title{text-transform: none;margin-bottom: 0px;}.uagb-block-7b17a252 .uagb-ifb-desc{margin-bottom: 20px;}.uagb-block-7b17a252 .uagb-ifb-separator{width: 30%;border-top-width: 2px;border-top-color: #333;border-top-style: solid;margin-bottom: 0px;}.uagb-block-7b17a252 .uagb-infobox__content-wrap .uagb-ifb-separator{width: 30%;border-top-width: 2px;border-top-color: #333;border-top-style: solid;}.uagb-block-7b17a252 .uagb-ifb-align-icon-after{margin-left: 5px;}.uagb-block-7b17a252 .uagb-ifb-align-icon-before{margin-right: 5px;}.uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-content svg{box-sizing: content-box;}.uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-content img{box-sizing: content-box;}.uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg {margin-left: 5px;}[dir=rtl] .uagb-block-7b17a252 .uagb-iconbox-icon-wrap{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-7b17a252.uagb-infobox__content-wrap img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-right-title-image > img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-left-title-image > img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-content > img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-7b17a252.uagb-infobox-left{text-align: right;}[dir=rtl] .uagb-block-7b17a252.uagb-infobox-right{text-align: left;}[dir=rtl] .uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg{margin-right: 5px;margin-left: 0px;}@media only screen and (max-width: 976px) {.uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{width: 20px;height: 20px;line-height: 20px;font-size: 20px;}.uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{line-height: 20px;font-size: 20px;}.uagb-block-7b17a252.uagb-infobox__content-wrap .uagb-ifb-content img{box-sizing: content-box;}.uagb-block-7b17a252 .uagb-ifb-icon{width: 20px;line-height: 20px;}.uagb-block-7b17a252 .uagb-ifb-icon > span{font-size: 20px;width: 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