以科技和温度“赔”伴每时每刻——众安保险2025理赔服务年报

Core Insights - The company is integrating AI across the entire claims process in health insurance, enhancing convenience, speed, and intelligence in claims handling [3][23] - Over 90% of users can report claims with just one submission of materials, and more than 76% receive compensation within one working day [3][23] - The online service platform "ZhongAn Car Insurance" has achieved an 88.2% rate of self-reported claims [3][23] AI and Automation - AI is utilized for full-process automation in claims, with over 45% of cases undergoing automated review [3][23] - The company employs NFC technology for quick service access, reducing customer anxiety during emergencies [4][24] - Monthly average case closure rates for automated claims processing stand at 93% accuracy [4][24] Fraud Prevention - The company has successfully identified and apprehended 24 individuals involved in insurance fraud through AI-driven techniques [5][25] - Collaborative efforts with law enforcement in multiple cities have led to significant actions against insurance fraud [5][25] Health Insights - The majority of claims come from individuals born in the 1980s and 1990s, accounting for over 53.6% of total claims [6][27] - The top five high-incidence diseases include digestive system diseases, respiratory diseases, hypertension, lung cancer, and diabetes [6][27] Service Offerings - The company provides extensive support services, including over 17,200 road rescues and 5,800 designated driver services throughout the year [12][31] - The average medical expense for pets is reported at 14,39 yuan, with specific breeds showing varying rates of claims [14][32] Social Responsibility - The company has processed 50,000 claims related to green insurance, contributing 233 million yuan in payouts to support low-carbon initiatives [15][33] - It has also assisted over 1.6 billion new citizens and provided coverage for nearly 2,000 enterprises across nine industries [16][34] Disaster Response - The company has responded to over 100 natural disasters, with total payouts reaching 369.8 million yuan [16][34]