13个精算师·2025-12-04 15:36Core Viewpoint - The insurance industry has shown significant growth in claims, with total claims exceeding 110 billion yuan in the first half of 2025, reflecting an increasing demand for insurance products and services [6][12][14]. Group 1: Claims Overview - Total claims amount exceeded 110 billion yuan, with over 35.09 million claims processed [1][6]. - The average claim approval rate stands at 98.8%, with daily processing of approximately 190,000 claims [29][32]. - There are 14 cases of claims exceeding 10 million yuan, indicating a rise in high-value claims [15][22]. Group 2: Major Claimants - China Life Insurance reported the highest claims at 30.2 billion yuan, followed by Ping An Life with 20.62 billion yuan [2][12]. - Six insurance companies reported claims exceeding 3 billion yuan, including Taikang Life and Xinhua Insurance [12][14]. - The top claims cases from 49 insurance companies all exceeded 1 million yuan, showcasing a trend towards higher claim amounts [16][21]. Group 3: Claim Types - Critical illness claims accounted for 47% of total claims, while medical claims made up 28% [14]. - The increasing focus on health-related insurance products reflects changing consumer needs and preferences [14][39]. Group 4: Regional Insights - High-value claims are predominantly concentrated in economically developed regions such as Beijing, Shanghai, and Guangzhou, where clients often have multiple insurance products [24][22]. Group 5: Service Improvements - Insurance companies are enhancing their claims processing efficiency through online platforms and simplified procedures, leading to faster claim settlements [32][39]. - Many companies report significant improvements in online claim approval rates, with some achieving over 90% [33][39].