Bei Jing Shang Bao·2026-01-05 01:40Core Insights - The insurance claims service is a crucial aspect of insurance value and a key touchpoint for consumers to experience insurance services [1] - The disclosure of claims reports by various insurance companies highlights the importance of claims data in assessing service capabilities and product practicality [2] Claims Data Overview - Most insurance companies report a claims acceptance rate above 99%, with some reaching 99.8%, indicating high reliability in claims processing [2] - China Life Insurance reported a total claims amount of 100.4 billion yuan for 2025, reflecting a 10% year-on-year increase [2] Technological Advancements - The application of artificial intelligence in claims processing has led to significant digital transformation, with some companies achieving claims payouts in as little as one second [3] - Companies like Taikang Life and Cigna have implemented technologies such as OCR and big data models to streamline the claims process, enhancing efficiency and reducing wait times [3] Claims Composition - Medical insurance claims are the most frequent, while critical illness insurance claims have higher payout amounts, with New China Life reporting critical illness claims of 6.13 billion yuan, accounting for over 40% of their total claims [4] - The disparity in coverage levels for critical illness insurance indicates a need for improvement, as 80% of Taikang Life's critical illness payouts are below 100,000 yuan, which is insufficient compared to high treatment costs [4] Consumer Guidance - Consumers are advised to understand claims data and select core insurance types, with a recommended configuration of medical insurance as a foundation and critical illness insurance as a supplement [5] - For budget-conscious young individuals, starting with mid-range medical insurance is suggested, while families with significant financial responsibilities should consider both types of insurance with adequate coverage [5][6]