Zheng Quan Ri Bao Wang·2025-08-20 12:12Core Insights - ZhongAn Online Property Insurance Co., Ltd. reported a total premium of RMB 16.661 billion for the first half of 2025, representing a year-on-year growth of 9.3% [1] - The company's combined cost ratio improved by 2.3 percentage points to 95.6%, with underwriting profit increasing by 108.9% year-on-year [1] - The net profit attributable to shareholders reached RMB 668 million, a significant increase of 1103.5% compared to the same period in 2024 [1] Group 1: Business Performance - The health ecosystem generated a total premium of RMB 6.275 billion, showing a substantial year-on-year growth of 38.3% [2] - In the automotive ecosystem, the company capitalized on the growth of new energy vehicle insurance, achieving a total premium of RMB 1.478 billion, which is a 34.2% increase year-on-year [2] - The digital life ecosystem reported a total premium of RMB 6.209 billion, with innovative business premiums reaching RMB 2.490 billion, accounting for 40.1% of the total and growing by 40.0% year-on-year [2] Group 2: Technological Integration - ZhongAn Online is embracing AI technology, utilizing mainstream large models and proprietary data to develop the AI platform "Zhongyou Lingxi," which has become a core engine for business transformation [1] - The AI platform has nearly 110 active robots, with a total call volume of 450 million times in the first half of 2025 [1] - The company emphasizes its "insurance + technology" dual-engine strategy, aiming to enhance user experience and respond to market changes through technologies like AI, blockchain, cloud computing, and big data [2]