Qi Lu Wan Bao·2025-10-16 07:40Core Insights - China Life Insurance Company reported over 44 million claims and more than 73 billion yuan in payouts for the first three quarters of 2025, maintaining a leading position in the industry [1][2] Claims Performance - The total number of claims for the first three quarters of 2025 reached 44.09 million, with total payouts amounting to 73.3 billion yuan [2] - Health insurance claims accounted for over 43.4 million cases, reflecting a year-on-year increase of over 13.3%, with payouts exceeding 56 billion yuan, a year-on-year increase of over 2.2% [2] - The distribution of claims across four major categories was as follows: 19.1% for death, 58.0% for medical, 18.3% for critical illness, and 3.0% for disability [2] Technological Innovations - The company is actively exploring the frontiers of insurance by integrating technology into claims services, aligning with the "Digital China" strategy [3] - In the first three quarters of 2025, China Life processed 5.98 million direct payment claims, totaling over 3.2 billion yuan [3] - The introduction of the "electronic invoice hassle-free claim" service resulted in 6.93 million claims processed with an average service time of only 0.28 days [3] Health Risk Insights - The company highlighted the increased risk of cardiovascular diseases during the autumn and winter seasons, with claims data indicating a 5% rise in such cases compared to spring and summer [4] - Recommendations were made for preventive measures against high-incidence diseases, particularly for minors in enclosed school environments [4] Critical Illness Insurance Gaps - Data revealed that malignant tumors accounted for over 70% of critical illness claims, yet the average payout of 43,000 yuan is significantly lower than treatment costs [4] - The need for commercial health insurance to supplement basic medical coverage for innovative and expensive treatments was emphasized [4] Commitment to Service - China Life Insurance positions itself as a stabilizing force in the economy, providing timely and compassionate claims services to its clients [5]