ZA ONLINE(HK:06060) Xin Hua Cai Jing·2026-01-22 08:04Core Insights - ZhongAn Insurance reported a total claim amount of 17.9 billion yuan for the year 2025, processing an average of 2.9 million claims daily, with a strong focus on integrating artificial intelligence throughout the claims process [2] Claims and Customer Demographics - In 2025, 58.8% of claimants were female, and 53.6% of claims were concentrated among individuals born between the 1950s and 1990s [2] - Common health issues such as coronary artery disease, diabetes, and hypertension were highlighted as key areas of concern for health insurance [2] Pet Insurance Sector - ZhongAn Insurance covered over 5.6 million pets in 2025, with more than 1 million claims processed [2] - The average medical expenses for cats and dogs were reported at 1,489 yuan and 1,664 yuan, respectively [2] New Citizen Services - The company served over 160 million new citizens, providing insurance support to nearly 2,000 enterprises across nine industries, including property, construction, and logistics [2] - ZhongAn Insurance processed 17.88 million claims for small and micro enterprises, amounting to 421 million yuan in claims, supporting their stable operations [2] Disaster Response - The company activated its disaster emergency response mechanism over 100 times, promptly compensating 36.98 million yuan through AI-driven property insurance assessments [2] AI Integration in Health Insurance - AI has been fully integrated into ZhongAn Insurance's health claims process, allowing over 90% of users to submit claims with materials required only once [3] - More than 45% of claims were automatically reviewed and settled, with the fastest resolution time recorded at just 15 seconds [3] Auto Insurance Innovations - The "ZhongAn Car Insurance" mini-program has increased online self-reporting of claims to 88.2% [3] - Innovative services such as NFC emergency assistance and video claims processing have reduced the time for claims under 10,000 yuan to as little as 13.3 minutes [3] Automation in Other Insurance Areas - AI technology is also applied in pet and accident insurance, with over 10,000 cases processed automatically each month and an exceptional accuracy rate of 98% in identifying anomalies [3]