2025年保险行业AI应用全景洞察报告

Core Viewpoint - The insurance industry is undergoing a transformation driven by AI technology, which is reshaping operational logic and enhancing efficiency while maintaining customer-centric values [1][2][4]. Development Background - The insurance sector is in urgent need of technology-driven transformation due to pressures from rough growth and operational challenges. AI is set to reconstruct the insurance value chain, evolving from an efficiency tool to a strategic hub [4][5]. Market Size and Growth - The Chinese insurance market is expected to exceed 6 trillion yuan by 2026, with original premium income projected to grow from 4.3 trillion yuan in 2019 to 5.7 trillion yuan in 2024, reflecting a compound annual growth rate of 6.0% [5]. - The insurance industry's technology investment is anticipated to surpass 67 billion yuan by 2025, with a focus on big data, cloud computing, and AI [5][14]. Technology Investment - The insurance sector's technology investment is growing at an annual rate of 14.6%, significantly outpacing the overall market growth, with a projected total investment of over 67 billion yuan by 2025 [14][18]. AI Applications in Insurance - AI applications in the insurance industry are transitioning from point solutions to comprehensive, centralized intelligent systems, enhancing efficiency and creating new value [27][55]. - AI is being integrated across the entire insurance value chain, including underwriting, claims processing, risk control, and customer service, driven by data and algorithmic models [22][28]. Trends in AI Integration - The insurance industry is witnessing a shift from using AI as an efficiency tool to adopting it as a strategic core, with a focus on deep integration of AI in product and service offerings [57][59]. - AI is facilitating the transition from traditional product sales to a service-oriented model, enhancing customer engagement and long-term value [59]. Risk Control and Compliance - AI applications in risk control and compliance present a dual impact, improving fraud detection and risk pricing accuracy while also raising concerns about compliance and data privacy [61]. Case Studies - iYunbao is leveraging AI to empower insurance agents through a flat management model, enhancing the entire sales process from product design to customer service [44]. - Ping An Life is a benchmark for intelligent transformation, utilizing AI for real-time responses, precise pricing, and proactive risk control [46]. - ZhongAn Technology is focusing on AI model applications across the insurance lifecycle, driving efficiency and innovation [52].