Group 1 - The core viewpoint of the report highlights that China Life Insurance Company has significantly improved its claims service, with over 12.14 million claims and a payout amount exceeding 30.2 billion yuan in the first half of 2025, achieving a claim approval rate of 99.6% [1] - The company served nearly 2.24 million rural residents with payouts exceeding 7.9 billion yuan, over 53,000 disabled clients with payouts over 8.8 million yuan, and nearly 1.9 million elderly clients with payouts exceeding 3.6 billion yuan [1] - The introduction of integrated medical insurance and commercial insurance quick claim services has streamlined the claims process, allowing for a more efficient and customer-friendly experience, with over 25% of claims in pilot areas processed without human intervention [1] Group 2 - The company has developed a prepayment claims service that exceeded 390 million yuan in the first half of 2025, breaking traditional claims processes by advancing payment stages [2] - The "Critical Illness One-Day Claim" service has been expanded, covering high-incidence diseases such as malignant tumors and certain cardiovascular diseases, with nearly 114,000 claims processed and payouts exceeding 5.17 billion yuan in the first half of 2025 [2] - Analysis of claims data indicates a need for improved critical illness insurance coverage, with an average payout of approximately 40,000 yuan per claim, which is insufficient compared to high treatment costs [2]