Zhong Guo Zheng Quan Bao·2025-10-17 05:09Core Viewpoint - China Life Insurance Company has demonstrated strong claims service capabilities, with over 44 million claims and more than 73 billion yuan in payouts in the first three quarters of 2025, maintaining a leading position in the industry [2][4]. Claims Performance - In the first three quarters of 2025, China Life processed a total of 44.09 million claims, amounting to 73.3 billion yuan in payouts [4]. - 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% [4]. - 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 [4]. Technological Innovations - China Life is actively responding to the "Digital China" strategy by exploring cutting-edge insurance fields and transforming claims services to enhance efficiency [6]. - The company has integrated systems with social security, medical institutions, and third-party data companies to simplify claims processes, achieving 5.98 million direct payment claims totaling over 3.2 billion yuan in the first three quarters of 2025 [6]. - The introduction of the "electronic invoice hassle-free claims" service resulted in 6.93 million claims processed with an average service time of only 0.28 days [6]. Health Trends and Recommendations - Claims data reflect changing trends in customer risk exposure, with an increase in cardiovascular disease claims during the autumn and winter seasons compared to spring and summer [8]. - The company emphasizes the importance of preventive measures against high-incidence diseases and suggests timely medical insurance product configurations to enhance health protection [8]. - There is a noted gap in critical illness insurance coverage, particularly for malignant tumors, which account for over 70% of critical illness claims, yet the average payout is only 43,000 yuan, highlighting the need for supplementary commercial health insurance [8]. Commitment to Service - China Life continues to fulfill its role as an economic "shock absorber" and social "stabilizer," providing prompt and compassionate claims services to its customers [9].