2025年保险行业AI应用全景洞察报告

Core Viewpoint - The insurance industry is navigating a dual path of maintaining traditional business stability while embracing technological transformation, particularly through AI, which is redefining operational logic and enhancing efficiency and customer experience [1][2]. Market Background - The Chinese insurance market is expected to exceed 6.3 trillion yuan in original premium income by 2026, with life insurance, property insurance, and health insurance all showing growth [3][10]. - Investment in technology within the insurance sector is projected to surpass 67 billion yuan by 2025, focusing on big data, cloud computing, and AI [3][18]. - Generative AI is anticipated to bring a productivity boost of up to 70 billion USD to the insurance industry, indicating significant potential for technological integration [3][13]. Policy Support - Multiple policies are encouraging the insurance industry to adopt AI technologies, facilitating a transition towards an "insurance + AI" model [4][16]. AI Application Scenarios - Sales: Transitioning from single-point tools to a comprehensive intelligent system that enhances customer acquisition, demand analysis, and product recommendations, transforming agents into professional risk advisors [5][35]. - Underwriting: Achieving full-process automation through the integration of various technologies, improving operational efficiency, risk control, and customer experience [6][37]. - Claims and After-Service: Empowering the entire claims process to enhance efficiency and reduce costs while upgrading customer service [6][40]. - Office Assistant: Optimizing internal processes, integrating information resources, and aiding decision-making to improve operational efficiency and user experience [7][43]. Development Trends - Trend 1: The application of AI in the insurance industry is shifting from isolated tools to centralized intelligent platforms, evolving from "efficiency tools" to "strategic hubs" [8][60]. - Trend 2: AI is driving the deep integration of insurance products and services, creating cross-industry ecological networks [9][63]. - Trend 3: The application of AI in risk control and compliance presents a "dual nature," enhancing fraud detection and risk pricing accuracy while posing compliance challenges [9][66]. Technology Investment - The insurance sector's technology investment is growing rapidly, with a 14.6% annual growth rate, significantly outpacing overall market expansion [18][29]. - By 2025, the total technology investment in the industry is expected to exceed 67 billion yuan, with a notable focus on cutting-edge technology research and development [18][3]. AI in Value Chain - AI is optimizing both the asset and liability sides of the insurance value chain, enhancing efficiency and reducing costs across all core business processes [30][29]. - The integration of AI in the middle and back office is focused on risk management and resource allocation, establishing a new intelligent decision-making system [32][29]. Case Studies - iYunbao: A technology service provider that empowers insurance practitioners through AI, enhancing the entire sales process from product design to customer service [47]. - Ping An Life: A benchmark for intelligent transformation in the insurance industry, utilizing AI for real-time responses, precise pricing, and proactive risk control [50]. - ZhongAn Technology: A leading service provider for digital transformation in insurance, implementing a comprehensive AI application system across all operational stages [56].