本文源自：市场资讯 作者：情报员 国家知识产权局信息显示，众安在线财产保险股份有限公司取得一项名为"目标事件的预测方法、模 型、系统以及相关设备"的专利，授权公告号CN116467641B，申请日期为2023年4月。 天眼查资料显示，众安在线财产保险股份有限公司，成立于2013年，位于上海市，是一家以从事保险业 为主的企业。企业注册资本146981.29万人民币。通过天眼查大数据分析，众安在线财产保险股份有限 公司共对外投资了5家企业，参与招投标项目90次，财产线索方面有商标信息455条，专利信息112条， 此外企业还拥有行政许可5个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 ...

南方财经全媒体记者林汉垚实习生徐若萱 今日，多家保险公司发布的2025年度理赔年报披露内容显示，保险业正在经历一场从"数字化工具辅 助"向"AI驱动"的范式转移。 21世纪经济报道记者梳理平安人寿、工银安盛人寿、腾讯微保及众安保险等机构的2025年理赔数据发 现，理赔服务发展已不仅局限于速度提升，而是转向了AI大模型对复杂责任判定的深度介入，以及通 过数据直连实现的"医保+商保"一站式结算。 数据显示，多家险企及互联网平台在2025年的理赔质效实现了跃升。 平安人寿全年累计赔付达415.1亿元，获赔率高达99.2%；工银安盛人寿全年赔付理赔金25.1亿元，守护 人次达286.1万；众安保险全年赔付金额179亿元，日均处理案件约290万件；腾讯微保平台累计理赔金 额达84亿元。 给付数据背后，AI大模型技术的应用渗透率正极大影响着险企运营效率，部分机构的自动化审核结案 率已近五成。 AI大模型已成理赔提效核心引擎 2025年保险业理赔流程的最显著变化，在于AI大模型实现了从"单据识别"向"逻辑推理与责任判定"的深 度进化。 平安人寿在理赔报告中披露，公司正式引入DeepSeek大模型打造全新的智能审核引擎。目前 ...

来源：机构之家 机构之家注意到，众安在线近期新增一起商标侵权诉讼。海南省海口市琼山区法院已受理众安在线财产保险股份有限公司诉众安车服（海南）汽车有限公 司及马某侵害商标权及不正当竞争纠纷一案，案号为（2026）琼0107民初388号。因其他方式无法送达，法院已对两被告公告送达应诉通知书、起诉状副 本、证据材料、开庭传票等诉讼文书。 唯一的卖点，是价格。推销员的话术经过精心打磨："与保险公司深度合作""享受系统内部底价""车队团购优惠"……最终报出的价格，通常比正规市场报 价低20%至30%。这精准击中了部分车主，尤其是面临"投保难、保费贵"困境的营运货车司机的软肋。 | 刊登日期 | 2026-01-26 | 公告类型 | 起诉状副本及开庭传票 | | --- | --- | --- | --- | | ж 田 | 侵害商标权纠纷 | | | | 公告法院 | 海口市琼山区人民法院 | 刊登版面 | G182 | | | 原告-众安在线财产保险股份有限公司 | | | | 诉讼地位 | 被告-众安车服（海南）汽车有限公司 | | | | | 被告-马* | | | | 相关案件号 | (2026) 琼0107 ...

Regulatory Dynamics - Nine departments support insurance institutions to develop commercial health insurance products suitable for drug retail scenarios and encourage the development of drone delivery liability insurance [6][7] - The Ministry of Finance announced that the central government will allocate approximately 1.2 trillion yuan for basic pension insurance subsidies in 2025 [9] - The Ministry of Finance stated that agricultural insurance premiums are expected to exceed 155 billion yuan in 2025, with nearly 80% coming from government subsidies [11] - The People's Bank of China maintained the 1-year and 5-year Loan Prime Rate (LPR) at 3.0% and 3.5% respectively [14] - The National Bureau of Statistics projected a GDP growth of 5% for 2025, with industrial added value growth of 5.9% [15] Company Dynamics - China Life plans to invest 4 billion yuan to establish a partnership focusing on technology innovation in the Yangtze River Delta region [26] - China Life's overseas total assets exceeded 452.8 billion HKD, participating in multiple star innovation enterprises' equity investments [27] - China Life's overseas company subscribed to approximately 2.4 billion HKD in Hong Kong's multi-currency digital green bonds [28] - China Pacific Insurance's cumulative original insurance premium income for 2025 is projected to be 258.115 billion yuan, an increase of 8.1% year-on-year [34] - China Taiping expects a 215% to 225% increase in annual profit attributable to shareholders for 2025 compared to the previous year [33] Industry Dynamics - Seven Chinese insurance companies ranked in the "2026 Global Brand Value 500" list, with Ping An at 32nd and China Life at 104th [55] - The insurance asset management sector registered 314 plans in 2025, with a total scale of 510.443 billion yuan, showing a decrease in both quantity and scale year-on-year [58] - The insurance industry is expected to see a "double increase" in premiums and profits in 2025, benefiting from a rising equity market [56][57] - The cumulative payout for Zhong An Insurance in 2025 reached 17.9 billion yuan, with AI integrated into the entire claims process [38][39]

"13精"数据库第425周更新公告 13精资讯-增加2025年12月万能险结算利率 2024年度老三家人均产能446.8万元，同比增长4.8%；第二梯队公司人均产能347.0万元，同比增长7.3%；其他中小型公司人均产能307.1万元，同比增长 4.1%。 13精资讯-增加2025年投连险账户规模 13精资讯-增加2025年12月高管任职批复 13精资讯-增加最近一周保险公司被处罚数据 13精资讯-增加最近一周保险公司投连险净值数据 13 精利用最新录得数据做的研究报告之425 期： 财险职工人数三连降之后开始止跌企稳，自2016年以来人均产能复合增速8.9% ！ 先 说 结论： 1、 由于保险年鉴刚更新2024年行业的职工人数（大家可以看成是管理人员数，以及少部分给上五险一金的销售人员数之和）。因此，本文才推出 2024年的人均产能。 需要解释的是，这里的人均产能也是指管理人员的人均产能，而非代理人的人均产能。 本文的看点不在于时效性，而在于通过历史数据揭示一些保险业的经营规律，以其为行业提供战略思考。 2024年度财险公司职工总人数约42.3万人，与上年度基本持平，开始出现企稳迹象。 2024年度人均产能 ...

本报讯 （记者杨笑寒）近日，众安在线财产保险股份有限公司（以下简称"众安保险"）发布2025年理 赔服务年报。数据显示，2025年公司全年累计赔付金额达179亿元，日均处理理赔案件约290万件。众安 保险持续提升服务体验、拓宽保障边界，推动理赔服务向智能化、精准化和人性化全面升级。 具体来看，2025年，众安保险将人工智能（AI）技术深度融合于理赔全链路，实现服务效率与用户体 验质的飞跃。在健康险领域，AI全面融入理赔全流程：超过90%的健康险用户可实现理赔材料"只传一 次"，超45%的理赔案件实现自动化审核结案，其中最快结案时间仅15秒。 在车险服务中，"众安车险"小程序作为一体化智能平台，推动线上自主报案占比提升至88.2%。创新的 NFC"碰一碰"紧急服务、视频理赔"秒审秒赔"以及"车险AI定损"将万元以下理赔案件时效缩短至最快 13.3分钟，定损最短仅耗时116秒。 除面向健康险用户的理赔场景外，众安保险还通过AI技术赋能宠物险及意外险等多元数字生活场景。 通过融合大模型与垂直领域小模型，公司在影像诊断、责任认定、病历信息抽取等方面实现自动化处 理，宠物险及意外险月均自动化处理案件超万件，异常精准识别 ...

新华财经上海1月22日电（记者王淑娟）众安保险最新发布的"2025年理赔服务年报"显示，2025年全年 累计赔付金额达179亿元，日均处理理赔案件约290万件。以科技为核心驱动力， 2025年众安保险将人 工智能技术深度融合于理赔全链路。 众安保险数据显示，2025年理赔用户中女性占比58.8%，53.6%的理赔集中在"50后"至"90后"群体。冠状 动脉疾病、糖尿病、高血压等高发疾病成为健康保障的关注重点。 针对小微企业这一国民经济的"毛细血管"，众安保险2025年赔付1788万件，赔付金额4.21亿元，为其稳 定经营提供保险支持。面对重大自然灾害，众安保险迅速响应，累计启动大灾应急机制百余次，通过财 产险AI定损预付等方式及时赔付3698万元，用实际行动兑现保险承诺。 在健康险领域，AI已经全面融入众安保险理赔全流程。借助智能助手引导，超过90%的健康险用户可实 现理赔材料"只传一次"；依托AI赋能，超45%的理赔案件实现自动化审核结案，其中最快结案时间仅15 秒。理赔AI专家能在3秒内将专业结论转化为用户易懂语言，大幅提升服务透明度和用户信任感。 在车险服务中，科技的应用同样深入。"众安车险"小程序作为 ...

AI已经全面融入健康险理赔全流程, 让理赔变得更便捷、更快速、更智能 便捷申请 超90%用户报案"只传一次"材料 快速获赔 来源：众安保险 2025年,我们将AI应用于理赔全场景 实现从感知、决策到执行的全链路智能化 ▶ 健康险理赔进入「AI时代」 智能理赔 超45%案件实现全流程自动化审核 ▶ 线上服务智能化跃进 :: "众安车险"小程序 :: 超76%用户在1个工作日内拿到赔款 不仅是工具,更是集成风险防控、理赔 服务、用车生活的智能平台,全年线上 自主报案占比突破88.2% "碰一碰"便捷体验马上有 :: 应用NFC技术,紧急时刻手机碰一碰, 1秒唤起服务、缓解客户焦虑情绪 ▶ 数字生活全链路AI守护 通过大模型与垂直领域小模型 协同应用, 实现 影像智能分类 ) 责任匹配 风险管控 病历信息抽取 ) 理算自动化 具备异常行为监测与欺诈风险预警能力 全面赋能宠物险及意外险理赔 全流程自动化 判责理算准确率 月均自动结案 0 :3% 440 超 ▶ 反欺诈防控守护公平正义 欺诈精准拦截 以AI为核心支撑,深度应用图像、AI 语音、智 能体等核心智能技术,实现对涉诈团伙的精准 识别与高效打击 跨界协同联动精 ...

Core Insights - The insurance industry is experiencing a shift towards non-auto insurance, with premium growth slowing down in both auto and non-auto segments. The overall premium growth for the insurance industry in 2025 is expected to be below 4% [10][24]. Auto Insurance Premium Rankings - The top three companies in auto insurance premium rankings are stable, with Ping An showing the fastest growth. Zhong An, Tai Kang, and BYD have all exceeded 30% growth [12][24]. - The premium rankings for auto insurance in 2025 show that PICC has a premium of 2,201.19 billion, followed by Ping An with 1,760.95 billion, and Taibao with 852.32 billion [2][14]. - The overall growth rate of auto insurance premiums has slowed compared to the previous year, with the market facing challenges due to a single-digit growth rate in vehicle ownership [9][19]. Non-Auto Insurance Premium Rankings - Ping An's non-auto insurance premium growth is at 14%, while Tai Kang, Zijin, and JD Allianz have consistently exceeded 10% growth for two consecutive years [25][26]. - The premium rankings for non-auto insurance in 2025 indicate that PICC leads with 2,228.76 billion, followed by Ping An at 936.28 billion, and Taibao at 787.56 billion [26][27]. - The non-auto insurance segment is experiencing a shift, with some companies focusing on maintaining strong growth in this area while others face declining growth rates [10][25].

Investment Rating - The report does not explicitly state an overall investment rating for the financial industry, but it provides specific recommendations for various sectors and companies within the industry [3][21]. Core Insights - The financial industry experienced a decline this week, with the non-bank financial index down by 2.63%, underperforming the CSI 300 index by 2.06 percentage points. The banking sector saw a decline of 3.03%, also underperforming the CSI 300 index by 2.46 percentage points [1][9]. - The report highlights a structural interest rate cut by the central bank, which is expected to impact various financial sectors, particularly banks and insurance companies. The insurance sector is viewed as being in a critical window for performance and valuation recovery [3][21]. - Regulatory measures have been introduced to stabilize the derivatives market, which is expected to benefit well-capitalized and compliant brokerage firms [2][17]. Summary by Sections 1. Weekly Performance and Sector Insights - The non-bank financial index decreased by 2.63%, with the securities, insurance, and diversified financial indices down by 2.21%, 3.59%, and 1.83% respectively [1][9]. - The banking sector's performance was notably poor, with state-owned banks, joint-stock banks, city commercial banks, and rural commercial banks experiencing declines of 2.20%, 4.08%, 2.40%, and 2.20% respectively [1][9]. 2. Insurance Sector Insights - The insurance sector's index fell by 3.59%, underperforming the CSI 300 index by 3.02 percentage points. The report indicates that regulatory cooling measures have created short-term pressure on the insurance sector, but the long-term outlook remains positive due to asset growth and interest margin recovery [1][13][15]. - Key companies such as China Pacific Insurance, China Life, and New China Life are recommended for investment due to their strong fundamentals and recovery potential [3][16]. 3. Brokerage Sector Insights - The brokerage sector saw a decline of 2.21%, with the report emphasizing the potential benefits of new regulatory measures aimed at enhancing the derivatives market. The focus is on larger, well-capitalized firms that can navigate the evolving regulatory landscape [2][17]. - Recommendations include major brokerages like Guotai Junan and Huatai Securities, which are expected to benefit from the anticipated recovery in profitability and valuation [2][18]. 4. Banking Sector Insights - The banking sector's index fell by 3.03%, with the central bank's recent interest rate cut expected to support the sector's performance in the long run. The report suggests that banks may see a gradual recovery in net interest income and profitability [3][21][22]. - Specific banks such as Hangzhou Bank and Ningbo Bank are highlighted as potential investment opportunities, particularly those with previously undervalued positions [3][22].