Core Insights - The commercial health insurance market in China is expanding rapidly, with a projected market size of 977.3 billion yuan in 2024 and expected to exceed 1 trillion yuan by 2025 [1] - The industry is undergoing a significant transformation from "insuring healthy people" to "insuring people's health," facing structural challenges such as inadequate coverage for substandard populations, product homogeneity, and low risk control efficiency [1] - Nuanwa Technology, an AI-driven insurance technology company, is addressing these industry pain points through innovative product design and risk control system upgrades, becoming a key driver of high-quality development in the insurance sector [1] Product Innovation and Risk Control - Nuanwa Technology has developed a customized risk control model to mitigate risks associated with "no health declaration," utilizing dynamic risk identification mechanisms based on insurance behavior and disease evolution trends [2] - The company's new intelligent risk control product, "Tianjian," launched in July, creates a closed-loop system integrating underwriting, claims, and investigation processes [2] - The "disease claims occurrence rate prediction model" covers over 20 common chronic diseases, enabling insurance companies to offer "chronic disease insurable" products [2] AI Implementation and Efficiency - The "Robupo" AI claims agent has been implemented in a major insurance company, achieving an 80% direct review rate and maintaining an accuracy rate of over 98% in health insurance claims [3] - The application of the "Robupo" AI agent has allowed the insurance company to handle a significantly increased volume of claims without additional manpower, improving customer experience [3] - The third iteration of "Robupo" has focused on refining the application boundaries of large models, ensuring higher accuracy and stability in claims processing [3] Market Recognition and Growth - Nuanwa Technology's solutions are now utilized by over 90 insurance companies, including eight of the top ten insurers in China by premium income for 2024, indicating growing market recognition [4] - The company has submitted a listing application to the Hong Kong Stock Exchange, marking a new phase in its development [4] - From 2022 to 2024, Nuanwa Technology is projected to achieve a compound annual growth rate of 65.5% in revenue, with profitability expected to continue for two consecutive years starting in 2023 [4]
健康险迎万亿元时代，暖哇科技AI助力普惠转型
Cai Fu Zai Xian·2025-10-24 06:29