{"id":5057,"date":"2026-02-12T03:00:00","date_gmt":"2026-02-12T03:00:00","guid":{"rendered":"https:\/\/zxhig.com\/?p=5057"},"modified":"2026-03-05T03:03:55","modified_gmt":"2026-03-05T03:03:55","slug":"comunicado-de-la-comision-nacional-de-desarrollo-y-reforma-la-administracion-general-de-supervision-financiera-y-la-administracion-de-aviacion-civil-de-china","status":"publish","type":"post","link":"https:\/\/www.zxhig.com\/es\/industry-policies\/5057\/","title":{"rendered":"Publicaci\u00f3n | 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 alta calidad de los seguros para vuelos a baja altitud"},"content":{"rendered":"

Fuente: Administraci\u00f3n de Aviaci\u00f3n Civil de China<\/em><\/p>\n\n\n\n

Publicaci\u00f3n | 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 alta calidad de los seguros para vuelos a baja altitud<\/strong><\/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<\/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<\/p>\n\n\n\n

(1) Reforzar la orientaci\u00f3n en materia de planificaci\u00f3n. Los organismos competentes deber\u00e1n integrar los seguros en la planificaci\u00f3n del desarrollo del sector a\u00e9reo de baja altitud y en el dise\u00f1o general del marco normativo, e impulsar la mejora de la legislaci\u00f3n pertinente. Se orientar\u00e1 a las autoridades locales para que, en el marco del desarrollo del sector a\u00e9reo de baja altitud, aprovechen plenamente las funciones de los seguros en materia de indemnizaci\u00f3n por p\u00e9rdidas, gesti\u00f3n de riesgos y optimizaci\u00f3n del medio ambiente, y se les animar\u00e1 a incorporar los seguros en el sistema de pol\u00edticas locales de desarrollo de dicho sector, as\u00ed como a adoptar, en funci\u00f3n de las circunstancias locales, pol\u00edticas de apoyo que fomenten el desarrollo de los seguros para el sector a\u00e9reo de baja altitud. (A cargo 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. Las medidas siguientes deber\u00e1n ser aplicadas por los organismos competentes a nivel provincial, por lo que no se enumeran por separado).<\/p>\n\n\n\n

(2) Incorporaci\u00f3n a las normas de supervisi\u00f3n de la seguridad. Las autoridades competentes de los respectivos sectores deber\u00e1n perfeccionar las normas de supervisi\u00f3n sectorial y adoptar medidas eficaces para 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 baja altitud. (A cargo de la Comisi\u00f3n Nacional de Desarrollo y Reforma, con la participaci\u00f3n de los departamentos sectoriales pertinentes)<\/p>\n\n\n\n

(3) Fomentar el uso de mecanismos de seguros. Las autoridades competentes de los respectivos 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 fundamental para perfeccionar sus sistemas internos de gesti\u00f3n de la seguridad. Se impulsar\u00e1 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 a las empresas de las fases anteriores y posteriores de la cadena para reducir los costes de riesgo de la misma. Se apoyar\u00e1 a las peque\u00f1as y medianas empresas en el uso de los seguros para reforzar su capacidad de protecci\u00f3n frente a los riesgos que conlleva el desarrollo innovador. Se animar\u00e1 a los sujetos que utilicen aeronaves no tripuladas de tama\u00f1o micro o ligero para realizar actividades de vuelo no comerciales a que contraten seguros de responsabilidad civil. (A cargo de la Comisi\u00f3n Nacional de Desarrollo y Reforma, con la participaci\u00f3n del Ministerio de Industria e Informatizaci\u00f3n y la Administraci\u00f3n de Aviaci\u00f3n Civil de China)<\/p>\n\n\n\n

III. Acelerar la implantaci\u00f3n de un r\u00e9gimen de seguro obligatorio de responsabilidad civil para aeronaves no tripuladas<\/p>\n\n\n\n

(IV) Reforzar la gesti\u00f3n a lo largo de toda la cadena. En el caso de las aeronaves no tripuladas que, de conformidad con la legislaci\u00f3n, deban estar aseguradas, se impulsar\u00e1 la inclusi\u00f3n de los requisitos de seguro obligatorio como condici\u00f3n previa en los procesos de gesti\u00f3n, como la autorizaci\u00f3n de actividades de vuelo; se reforzar\u00e1 la verificaci\u00f3n de la situaci\u00f3n del seguro 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. (A cargo de la Administraci\u00f3n de Aviaci\u00f3n Civil de China, con la participaci\u00f3n de los departamentos pertinentes, como la Administraci\u00f3n General de Supervisi\u00f3n Financiera).<\/p>\n\n\n\n

(V) Elaborar normas de aplicaci\u00f3n. Elaborar, de conformidad con la ley, normas de aplicaci\u00f3n para el seguro obligatorio de responsabilidad civil de aeronaves no tripuladas; definir el alcance b\u00e1sico de la responsabilidad y los l\u00edmites m\u00ednimos de cobertura, con arreglo al principio de control de riesgos; y establecer un sistema completo de medidas complementarias para el seguro obligatorio de responsabilidad civil de aeronaves no tripuladas. (A cargo 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) Publicar las cl\u00e1usulas modelo del seguro de responsabilidad civil para aeronaves no tripuladas y estudiar la elaboraci\u00f3n de directrices de servicio. (A cargo de la Administraci\u00f3n General de Supervisi\u00f3n Financiera)<\/p>\n\n\n\n

IV. Refuerzo del sistema de garant\u00eda de servicios<\/p>\n\n\n\n

(VI) Optimizar la cobertura aseguradora de toda la cadena de valor. Orientar a las compa\u00f1\u00edas de seguros para que se adapten de forma proactiva a las tendencias de desarrollo de la econom\u00eda del vuelo a baja altitud y establezcan progresivamente un sistema de productos de seguros que abarque toda la cadena de valor, incluyendo la investigaci\u00f3n, el desarrollo y los ensayos, la producci\u00f3n y fabricaci\u00f3n, las operaciones de vuelo y las infraestructuras de apoyo. Explorar el desarrollo de productos y la innovaci\u00f3n en los servicios para cubrir los nuevos riesgos del sector de los vuelos a baja altitud, tales como la seguridad de vuelo, la seguridad t\u00e9cnica, la seguridad de redes y datos, la seguridad medioambiental y de las instalaciones, as\u00ed como la seguridad operativa humana. Aumentar 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 protecci\u00f3n suficiente 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 extranjero. (A cargo de la Administraci\u00f3n General de Supervisi\u00f3n Financiera)<\/p>\n\n\n\n

(7) Escenarios de aplicaci\u00f3n de servicios precisos. Dirigido a diversos escenarios de aplicaci\u00f3n, como las operaciones agr\u00edcolas y forestales, las inspecciones a baja altura, la topograf\u00eda y la prospecci\u00f3n, la log\u00edstica a baja altura, el transporte a\u00e9reo a baja altura, la gesti\u00f3n urbana, la gesti\u00f3n de emergencias, la asistencia m\u00e9dica, el turismo a\u00e9reo a baja altura y los deportes a\u00e9reos, se proporcionar\u00e1 una cobertura de seguro espec\u00edfica en funci\u00f3n de la fase de desarrollo del escenario, 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)<\/p>\n\n\n\n

V. Mejora de la capacidad de gesti\u00f3n sostenible de las aseguradoras<\/p>\n\n\n\n

(VIII) Impulsar la infraestructura de datos. Acelerar la creaci\u00f3n de una plataforma de informaci\u00f3n sobre seguros de vuelo a baja altitud, establecer y perfeccionar las normas de datos, y respaldar la fijaci\u00f3n de precios actuariales y la supervisi\u00f3n de riesgos. (A cargo de la Administraci\u00f3n General de Supervisi\u00f3n Financiera) Explorar 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 gradualmente 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. (A cargo 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)<\/p>\n\n\n\n

(9) Reforzar el desarrollo de las capacidades profesionales. Orientar a las entidades aseguradoras para que, en colaboraci\u00f3n con los fabricantes y operadores de aeronaves de vuelo a baja altitud, 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; perfeccionar la gesti\u00f3n empresarial, impulsar progresivamente la acumulaci\u00f3n de datos y utilizar activamente modelos de cuantificaci\u00f3n de riesgos y herramientas de evaluaci\u00f3n de riesgos, con el fin de mejorar el car\u00e1cter cient\u00edfico del desarrollo de productos y la precisi\u00f3n en la fijaci\u00f3n de tarifas. Apoyar a las entidades de reaseguro para que desempe\u00f1en plenamente sus funciones en materia de investigaci\u00f3n de riesgos, tarificaci\u00f3n actuarial y dispersi\u00f3n de riesgos. Apoyar 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. Intensificar la formaci\u00f3n de personal especializado y reforzar el desarrollo de las competencias profesionales de los trabajadores del sector. (A cargo de la Administraci\u00f3n General de Supervisi\u00f3n Financiera)<\/p>\n\n\n\n

VI. Reforzar las garant\u00edas organizativas<\/p>\n\n\n\n

(10) Reforzar la coordinaci\u00f3n global. 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, impulsar\u00e1 de forma coordinada la puesta en marcha del seguro de vuelo a baja altitud. La Comisi\u00f3n Nacional de Desarrollo y Reforma liderar\u00e1 el establecimiento de un mecanismo de coordinaci\u00f3n permanente, orientar\u00e1 a las distintas localidades en la aplicaci\u00f3n de los requisitos pertinentes, estudiar\u00e1 y resolver\u00e1 los principales problemas y dificultades que surjan durante la implantaci\u00f3n del seguro de vuelo a baja altitud, y fomentar\u00e1 la sinergia en el trabajo; La Administraci\u00f3n de Aviaci\u00f3n Civil de China supervisar\u00e1 y gestionar\u00e1, de conformidad con la ley, la situaci\u00f3n de las p\u00f3lizas de seguro y liderar\u00e1 el establecimiento de un r\u00e9gimen de seguro obligatorio de responsabilidad civil para aeronaves no tripuladas; la Administraci\u00f3n General de Supervisi\u00f3n Financiera supervisar\u00e1 y gestionar\u00e1, de conformidad con la ley, las actividades relacionadas con los seguros de vuelo a baja altitud, impulsar\u00e1 la mejora de las normas de funcionamiento del sector asegurador, reforzar\u00e1 la supervisi\u00f3n de las actividades y del capital, y regular\u00e1 el comportamiento del mercado. Los departamentos pertinentes impulsar\u00e1n el desarrollo de las instituciones 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. Las autoridades competentes de los respectivos sectores deben hacer que las empresas asuman plenamente su responsabilidad principal en materia de prevenci\u00f3n y control de riesgos, y velar rigurosamente por que no se utilicen los seguros para cometer actividades ilegales o que incumplan la normativa, como el fraude en materia de seguros. Los departamentos pertinentes deben profundizar en su comprensi\u00f3n 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 velar\u00e1n por que las compa\u00f1\u00edas de seguros operen de conformidad con la ley, refuercen la gesti\u00f3n de los controles internos y ampl\u00eden sus actividades de forma ordenada, siempre que cuenten con la solidez financiera necesaria y hayan evaluado adecuadamente los riesgos operativos, protegiendo as\u00ed de manera efectiva los derechos y intereses leg\u00edtimos de los consumidores.<\/p>\n\n\n\n

(12) Profundizar en la divulgaci\u00f3n y la promoci\u00f3n. Las autoridades competentes de los distintos sectores deben reforzar la educaci\u00f3n y la sensibilizaci\u00f3n sobre la 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 para llevar a cabo actividades de formaci\u00f3n y divulgaci\u00f3n al p\u00fablico sobre el seguro para el espacio a\u00e9reo de baja altitud, dar a conocer sus funciones y ventajas, y recopilar y difundir casos ejemplares y experiencias eficaces.<\/p>\n\n\n\n

Comisi\u00f3n Nacional de Desarrollo y Reforma, Administraci\u00f3n General de Supervisi\u00f3n Financiera, Administraci\u00f3n de Aviaci\u00f3n Civil de China<\/p>\n\n\n\n

28 de enero de 2026<\/p>","protected":false},"excerpt":{"rendered":"

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20px;line-height: 20px;}.uagb-block-9201899d .uagb-iconbox-icon-wrap{width: 20px;height: 20px;line-height: 20px;}.uagb-block-9201899d .uagb-ifb-content .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-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;}}@media only screen and (max-width: 767px) {.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{width: 20px;height: 20px;line-height: 20px;font-size: 20px;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{line-height: 20px;font-size: 20px;}.uagb-block-9201899d .uagb-ifb-content .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 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