时光奔涌，岁序更替。 回望2025年，在"服务国家发展大局，守护人民美好生活"的征程中，有这样一群人，以汗水浇灌责任， 用脚步丈量担当。他们有以热血唱响生命赞歌的青年先锋，有扎根乡村的振兴使者，有用专业铸就品质 服务的巾帼力量，更有在平凡岗位上创造不凡的销售精英……他们是中国人寿保险股份有限公司（以下 简称"中国人寿"，股票代码：601628.SH，2628.HK）系统内70多万从业者之一，他们更是一群心中有 责任、胸中有情怀、肩上有担当的"可爱的人"。岁末年初，让我们翻开这群保险人的年度答卷，感受那 份炽热的初心与蓬勃的力量。 生命之光：热血青年的爱心接力 2025年2月14日，一场特殊的"生命接力"在浙江省温州某造血干细胞采集点悄然完成。随着采集工作结 束，金傲然成为温州第129例造血干细胞捐献者。 "当血液流出身体，去往一个陌生生命时，那种'相连感'无比真切。它让我对生命和守护的理解，从概 念变为一种有温度的感知。这份体验也无声地融入我的工作，让我与客户沟通时，那份共情更加自然深 沉。它让我坚信，有些选择能超越言语，为另一个生命注入希望的底色。"金傲然说。 这一年里，她们持续深耕客户服务，一方面针对企业 ...

Core Viewpoint - China Life Insurance Company has achieved a significant milestone with total premium income exceeding 700 billion yuan, reflecting its commitment to providing insurance services that safeguard the public and contribute to national prosperity [1][14]. Group 1: Business Performance - As of November 30, the total premium scale of China Life surpassed 700 billion yuan, marking a substantial growth from 600 billion yuan [1][14]. - The company has provided insurance services to over 600 million customers, with long-term effective policies exceeding 300 million [3][15]. - By the first half of 2025, the company reported over 48 million claims, with total claim payments reaching 160.9 billion yuan, including over 34 billion yuan for health insurance [3][15]. Group 2: Rural and Urban Support - China Life has deployed 965 village support staff and invested over 24 million yuan in consumption assistance to help farmers increase production and income [2]. - The company has developed agricultural insurance products covering 205 million rural residents, providing a total insurance amount of 23.92 trillion yuan to mitigate poverty risks [2]. - In urban areas, China Life has launched various insurance products targeting gig economy workers and has participated in over 140 commercial medical insurance projects across cities [2]. Group 3: Health and Elderly Care Services - China Life is expanding its health and elderly care service ecosystem, offering diverse financial products to meet the growing demand for elderly care amid an aging population [4][5]. - The company has initiated over 70 long-term care insurance projects and has seen significant growth in personal pension premiums [5]. - The company has developed a range of elderly care products and services, including travel and online assistance, to enhance the quality of life for seniors [4][5]. Group 4: Digital Transformation and Customer Experience - China Life has embraced digital transformation, with over 160 million registered users on its insurance app, enhancing service efficiency and customer experience [8]. - The company has achieved a 95.56% intelligent underwriting review rate and a 95% accuracy rate for its new intelligent customer service chatbot [8]. - The company has maintained high customer satisfaction, ranking first in service quality index for two consecutive years [8]. Group 5: Investment in the Real Economy - China Life has invested 2 billion yuan in a perpetual bond investment plan to support the operational funding of the Beijing Metro Line 6 [10][11]. - The company has established a 100 billion yuan technology innovation fund to invest in strategic emerging industries, contributing to the high-quality development of the real economy [11]. - As of September 2025, the total assets of China Life reached 74,179.81 billion yuan, with investment assets amounting to 72,829.82 billion yuan [11]. Group 6: Commitment to Green Development - China Life has invested 3.6 billion yuan in a green equity investment plan to support clean energy projects, including wind and solar power [12][13]. - The company has developed a comprehensive green insurance service system, with green insurance premiums exceeding 400 million yuan in the first half of 2025 [13]. - China Life has received an AA ESG rating from MSCI, reflecting its commitment to sustainable and responsible business practices [13]. Group 7: Industry Leadership and Regulatory Compliance - The insurance industry in China has seen a 61.7% increase in total claims during the 14th Five-Year Plan period, with China Life achieving a premium growth from 600 billion to 700 billion yuan [14]. - The company has implemented a robust risk management system, maintaining an A rating in risk management for 29 consecutive quarters [14][15]. - China Life is actively responding to regulatory requirements and enhancing its operational efficiency to ensure sustainable growth [15].

Core Viewpoint - The article highlights the ten-year journey of Taikang Online, emphasizing its transformation from a broad expansion model to a specialized internet property insurance provider, focusing on innovation and high-quality development in the insurance industry [1][3]. Group 1: Company Development - Taikang Online has adhered to a professional operating strategy in property insurance, evolving from its inception in 2015 to a focus on value and efficiency by 2019, and entering a profitable era by 2021, now serving over 300 million customers with more than 30.5 billion yuan in claims [3]. - The company leverages three unique advantages: strong backing from Taikang Insurance Group, continuous innovation for market insights, and a robust internet foundation for efficient user engagement [3]. Group 2: Health Insurance Innovations - In 2023, Taikang Online introduced a new concept of "insuring people’s health" rather than just "insuring healthy people," aiming to cover all demographics and health management processes [5]. - The company has developed a specialized product matrix catering to various health statuses, including the "Good Effect Insurance" series for individuals with pre-existing conditions, covering multiple cancer types and providing significant financial support for treatments [6][7]. Group 3: Auto Insurance Experience - Taikang Online has redefined auto insurance by ensuring claims are processed within 24 hours, exemplified by a case during a severe flood where a customer received over 100,000 yuan in claims promptly [8]. - The company has built a comprehensive service network and offers various value-added services beyond traditional compensation, enhancing customer experience [9]. Group 4: Digital Life Protection - The company has integrated insurance into various digital life scenarios, providing coverage for gig economy workers and small businesses, thus addressing new social needs and enhancing security for these groups [10][11]. - Taikang Online's "Zhenpin Youyue" art insurance product fills a gap in the market by offering comprehensive risk management for high-value art collections, demonstrating its expertise in specialized insurance [12]. Group 5: Future Outlook - Looking ahead, Taikang Online aims to continue its commitment to making insurance more secure, convenient, and affordable, with a focus on becoming a more user-centric innovative internet insurance company [13].

Core Viewpoint - The introduction of "Critical Illness Advance Payment" service by Haibao Life addresses the financial anxiety of patients by allowing them to receive insurance payouts before treatment, thus enhancing the overall customer experience [1][3] Group 1: Service Features - The "Critical Illness Advance Payment" service allows clients diagnosed with critical illnesses to receive compensation before discharge from the hospital, significantly alleviating their financial stress [1] - The service has expanded from covering 23 diseases to full coverage of critical illness clauses, with total compensation exceeding several million yuan and the fastest payout time reduced to 8 hours [1] - Haibao Life emphasizes a human-centered approach, providing a full-service experience that includes dedicated claims assistance and hospital visits for clients [1] Group 2: Customer Experience - A case study of Ms. D, who was diagnosed with lymphoma, illustrates the effectiveness of the service; she received 500,000 yuan in claims on the same day after assistance from Haibao Life's claims personnel [1][3] - Ms. D expressed her gratitude by presenting a banner to Haibao Life, highlighting the transition of insurance from a "cold contract" to a "warm protection" [3] - The integration of online and offline services not only reassures clients but also embodies Haibao Life's brand promise of "A Better Life, Accompanied by Haibao" [3]

Core Insights - The report highlights the commitment of Shandong's insurance industry to enhance people's well-being through risk protection, financial intermediation, and social management, aligning with national and provincial government directives [1] Group 1: Medical Insurance - In 2024, Shandong's insurance sector emphasizes "insurance for the people," contributing to the medical insurance system with over 89 million insured individuals, effectively preventing poverty due to illness [2] - The "Hui Min Bao" program, a customized commercial medical insurance, covered approximately 9.03 million people in 2024, with total claims amounting to 747 million yuan [2] - Major insurance companies are actively involved in long-term care insurance to support families affected by disabilities [2] Group 2: Pension Insurance - The insurance industry plays a crucial role in enhancing the pension system, with China Life's commercial pension stock reaching 1.326 billion yuan in 2024 [3] - Tai Ping Pension Insurance added 1.102 billion yuan in assets for commercial pensions, serving over 3,000 clients [3] - Personal pension premiums for People's Life increased by 139% year-on-year, amounting to 366,000 yuan [3] Group 3: Property Insurance - People's Insurance Company of China (PICC) paid out 382 million yuan for disaster-related claims, handling over 8,000 cases [4] - Tai Ping Property Insurance provided risk coverage of 13.085 billion yuan for 1.362 million acres of farmland [4] - The "Hui Nong Xiang Ju Bao" product offered comprehensive risk protection worth 482.8 billion yuan to 295,000 rural residents [4] Group 4: Service Enhancement - The insurance industry focuses on improving service quality by integrating technology and human care, providing tailored services for special groups [5] - China Life's "Silver Age Health Project" insured 8.15 million elderly individuals, with a risk coverage exceeding 590 billion yuan [5] - Companies like Tai Kang Life are creating a "insurance + healthcare" ecosystem to meet diverse elderly care needs [5] Group 5: Technological Innovation - The adoption of AI and big data significantly enhances service efficiency, with Ping An Life implementing a "smart customer service" project for 24/7 operations [6] - Tai Ping Life's integration of intelligent review processes has improved claims efficiency [7] - The "Tian Kang Health Pass" project allows for immediate claims processing upon hospital discharge, with 43,000 claims processed in 2024, totaling 56.61 million yuan [7]

Core Viewpoint - The company actively participated in the 13th "7.8 National Insurance Publicity Day" with a theme of "Love and Responsibility, Insurance Makes Life Better," organizing various promotional activities to embody the service concept of "Insurance for the People" [1] Group 1 - The company organized a red education activity at the "Wusanjian" memorial in Jinan, reinforcing the responsibility of insurance professionals and encouraging party members to play a leading role in the community [1] - On July 8, the company set up a themed promotional booth in Quancheng Park, providing insurance knowledge to the public through brochures, consultations, and interactive Q&A sessions, while also offering free blood pressure measurements to attract participation [2] - The company conducted the "Five Entrances" initiative, engaging with local communities to promote financial knowledge and raise awareness about common scams, particularly targeting the elderly [2] Group 2 - The company prioritizes consumer rights protection and aims to enhance public understanding and trust in the insurance industry through diverse educational activities [2] - The company plans to leverage the "7.8 National Insurance Publicity Day" to innovate service models, optimize service experiences, and provide high-quality insurance services to meet diverse consumer needs [3]