Core Insights - Changsheng Life Insurance has completed the integration with Shanghai's "Insurance Code" platform, enhancing its digital claims service in the commercial health insurance sector [1][2] - The platform allows for efficient connection between medical insurance data and commercial health insurance claims, ensuring a seamless experience for customers [1] Group 1 - The "Insurance Code" platform is a public insurance service initiative led by Shanghai Insurance Exchange, which connects directly with Shanghai's medical insurance data [1] - Customers can now enjoy a simplified claims process without the need for paper invoices or expense lists, using the "Suishenban" app or WeChat/Alipay mini-programs [2] - This initiative reflects Changsheng Life's commitment to customer-centric service and the application of digital technology in insurance [2] Group 2 - The integration aims to streamline the claims process and reduce the time taken for claims to be processed, enhancing customer experience [2] - Changsheng Life will continue to focus on customer needs and upgrade its service capabilities to provide better products and services [2]

Core Insights - The insurance industry is experiencing a significant increase in claim payouts and service efficiency, with digital and intelligent claims processing becoming standard practice [1][2][4] Group 1: Claim Performance - Major insurance companies reported substantial claim volumes in the first half of 2025, with China Life Insurance processing over 12.14 million claims totaling over 30.2 billion yuan, and Ping An Life handling 2.377 million claims amounting to 20.62 billion yuan [2] - The industry maintains a high claim approval rate, with several companies exceeding 99%, including China Life and Citic Prudential, which both achieved 99.6% [2] - Critical illness insurance accounted for a significant portion of claims, with China Pacific Insurance reporting 5.23 billion yuan in critical illness claims, representing 52.7% of their total payouts [2] Group 2: Medical Insurance Trends - Medical insurance claims are the most frequent, with Ping An Life reporting that 92% of their claims were for medical insurance, while Sunshine Insurance reported 83.7% [3] - The prevalence of medical claims highlights the close connection between insurance products and public health needs [3] Group 3: Technological Advancements - Insurance companies are leveraging technology to enhance claims efficiency, with Ping An Life achieving 93% of automated claims processed within 60 seconds using their DeepSeek model [4][5] - China Life's claims processing time has improved significantly, with small medical claims being settled in an average of 0.37 days [4] Group 4: Direct Payment Services - The industry is focusing on "direct payment" services, allowing for seamless integration between hospitals, health insurance, and commercial insurance, enabling patients to settle claims upon discharge [6][7] - China Life has pioneered direct payment initiatives, processing over 3.91 million direct payment claims worth over 2.13 billion yuan in the first half of 2025 [7] - Other companies, such as Ping An Life and Taikang Life, have also introduced similar direct payment services, enhancing customer convenience [7]