中国人寿深化数字国寿战略：科技让保险服务更有温度

Core Viewpoint - China Life Insurance is leveraging digital technology to transform insurance services, making them more intelligent, convenient, and warm, while promoting the integration of the digital economy with the real economy [1] Group 1: Digital Transformation - China Life Insurance is undergoing a comprehensive digital transformation to enhance insurance services, addressing issues such as slow claims processing and accessibility for elderly customers [2][5] - The company has developed a digital channel via WeChat for parents of students in remote areas, allowing for claims to be processed on the same day, significantly improving the efficiency of claims for over 1 million families [2][3] - The "Respect for the Elderly" mode in the life insurance app has been certified for accessibility, making it easier for elderly users to manage their insurance [2] Group 2: Technological Advancements - China Life Insurance has implemented artificial intelligence to streamline the claims process, achieving a fully automated claims operation where some cases can be settled in as little as 3 minutes [3] - The company has pioneered a direct settlement service for medical insurance, allowing for real-time billing without the need for claims applications, which has been rolled out in 19 provinces [3] - The digitalization rate in underwriting and claims processes has reached approximately 99%, showcasing the company's commitment to efficiency [3] Group 3: Ecosystem Development - China Life Insurance is building an insurance service ecosystem by collaborating with medical institutions, government platforms, and partner enterprises, moving towards a more open approach to digital transformation [4] - The company has launched a city-customized commercial health insurance product in Chongqing, achieving broad coverage through online channels [4] - Future plans include integrating various services such as healthcare and elderly care into the app, aiming to provide a one-stop service for customers [4][5]