医疗险单人累计最高获赔183万元、最快3.4分钟结案！元保2025理赔年报出炉

Core Insights - Yuanbao, a leading technology-driven internet insurance platform, released its 2025 Claims Annual Report, showcasing its achievements in claims services through detailed data and user cases [1] - The report highlights Yuanbao's commitment to enhancing inclusive insurance services and optimizing user support during risk events [1] Group 1: Inclusive Insurance and Product Innovation - In 2025, Yuanbao deepened its inclusive insurance coverage, with average medical insurance claims for users in third-tier cities reaching 27,000 yuan, which is 29.9% higher than the national average [2] - Yuanbao expanded its medical insurance responsibilities to support reimbursement for medical expenses incurred during cross-regional treatments, along with value-added services like serious illness referral transportation subsidies [3] - The company introduced specialized accident insurance for new citizens, such as delivery riders, addressing their lack of coverage and enhancing third-party liability protection [3] Group 2: Claims Efficiency and User Experience - Yuanbao launched the "Ruyi Compensation" concierge-style claims service, which focuses on "assisting, urging, and coordinating" to create a one-stop claims service system [6][7] - The service aims to make the claims process transparent and based on clear conclusions, effectively changing the traditional perception of claims being difficult [6] - In 2025, the "Ruyi Compensation" service successfully mediated 141 health insurance claims disputes, with users receiving an average compensation of 35,000 yuan [10] Group 3: Enhanced Coverage and Support - Yuanbao upgraded its insurance responsibilities by including advanced medical treatments, such as CAR-T therapy and rare disease medications, in its coverage [5] - The report highlighted significant individual claims, with one user receiving 1.08 million yuan for CAR-T treatment and another user receiving nearly 10,000 yuan due to the "zero deductible" feature [5] - Yuanbao's commitment to inclusive protection is evident in its efforts to ensure that every policy serves as a reliable support for users, contributing to a more comprehensive healthcare protection system [10]