Embodied tasks demand accurate, flexible, and semantically rich 3D scene representations. 3D semantic occupancy is well suited to this requirement, as it can model holistic 3D spaces by encoding geometric occupancy along with semantic categories. However, existing occupancy prediction methods struggle to meet practical deployment requirements, such as adapting to varying computing budgets, sensor setups, and observation views. In this paper, we propose a point-based Adaptive 3D Occupancy Prediction method, called AdaOcc, tailored for embodied scenarios. To accommodate heterogeneous sensor inputs, AdaOcc uses an adaptive geometry-guided dual-branch encoder that can support RGB images in various numbers of views with (estimated) depth maps or LiDAR scans. AdaOcc represents occupied regions via sparse semantic points trained with a progressive query learning strategy, allowing the prediction computational budget to be flexibly adjusted through query point numbers and decoder layers. To facilitate high-fidelity geometric modeling for lightweight point-based occupancy learning, we further propose a novel containment loss that regularizes predicted points to reside within valid occupied regions. Extensive experiments show that our method achieves a new state-of-the-art on Occ-ScanNet with considerable performance improvements over previous methods. Moreover, our framework demonstrates strong practical applicability as an adaptive 3D perception module in real-world embodied systems.

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