Huan Qiu Wang·2026-01-12 03:19Core Insights - China Life Insurance Company reported a total of over 62.24 million claims and over 100.4 billion yuan in claims amount for 2025, marking a year-on-year increase of 7% and 10% respectively [1][2] - The company has implemented a paperless claims process, reducing the need for physical documentation by over 51.21 million cases, which accounts for over 80% of claims [1][2] - The company aims to enhance its services in rural areas, serving over 4.54 million rural residents with claims exceeding 15.8 billion yuan [2] Claims Performance - In 2025, the claims distribution by type included 18.7% for death, 60.6% for medical, 17.9% for critical illness, and 2.8% for disability [1] - Health insurance claims amounted to over 78.8 billion yuan, demonstrating the company's focus on health protection [1] Technological Advancements - The company has integrated technology into its claims process, utilizing big data and artificial intelligence to streamline operations and enhance customer experience [2][4] - A new claims service model allows for rapid processing and payment, with 817 million claims processed through direct payment, totaling over 4.3 billion yuan [3] Customer-Centric Initiatives - The introduction of a "one-day critical illness claim" service allows for same-day processing of eligible claims, serving 234,000 clients with claims exceeding 10.6 billion yuan [3] - The company has also launched a proactive claims service that identifies clients at risk and initiates claims without waiting for customer reports, serving nearly 680,000 clients with claims of 860 million yuan [3] Future Directions - China Life Insurance plans to continue enhancing its digital financial services, focusing on customer-centric and data-driven approaches to improve operational efficiency and service quality [4] - The company aims to integrate deeply into the national multi-level medical security system, providing diverse and intelligent services to ensure comprehensive protection for policyholders [4]