AI重塑寿险价值链：弘康人寿的科技跃迁与生态布局

Core Insights - The rapid development of artificial intelligence (AI) is reshaping global industries and driving economic growth, with the insurance sector actively embracing AI to explore integration models [1] - Hongkang Life Insurance views AI not merely as a technological enhancement but as a core driver for restructuring the life insurance value chain, aiming for a transformation from "selling policies" to "managing health and life" [1][2] AI-Driven Innovation - For forward-thinking life insurance companies, seizing opportunities from AI and technological innovations is essential for future market positioning [2] - AI serves as an engine for efficiency revolution, automating underwriting, claims processing, and handling vast amounts of unstructured data, leading to significant cost reduction and improved customer experience [2] - Long-term, AI is seen as a core component of business models and competitiveness, shifting companies from "experience-driven" to "data-intelligent" operations, enabling personalized pricing and proactive risk management [2] AI Empowerment Strategy - Hongkang Life has developed an "AI-for-Business" plan to deeply integrate AI into core operations and decision-making processes, enhancing customer service through AI-driven intelligent customer support and personalized recommendations [3] - The company emphasizes a customer-first philosophy, improving user experience across four key areas: personalized product recommendations, real-time risk assessment during underwriting, and 24/7 intelligent customer support [3] Building a Secure AI Foundation - To ensure a secure and stable foundation for AI applications, Hongkang Life employs a hybrid model, utilizing open-source models and developing proprietary AI platforms to safeguard data and maintain business continuity [4] - The company has established cross-functional teams of AI and business experts to deliver AI solutions tailored to specific business scenarios, ensuring rapid conversion of technology into business value [4] Data Governance and Compliance - Data quality is critical for AI model training and application, with Hongkang Life focusing on data security, accuracy, and fairness through a "data middle platform + intelligent governance" approach [4][5] - The company implements automated checks throughout the data lifecycle to ensure compliance with financial regulations, maximizing data value while ensuring customer data security [5] Ensuring AI Reliability and Fairness - Hongkang Life has established a three-tier mechanism to ensure the reliability and fairness of AI applications, including real-time performance monitoring, content control, and continuous optimization based on user feedback [6][7] - The company anticipates that AI will transform the life insurance industry towards a comprehensive health risk management model, emphasizing proactive health management and full-process automation [7]