近日，中宏保险正式发布《2025年中宏保险理赔服务年报》（以下简称"年报"），全面呈现了公司在过 去一年中理赔服务的整体表现、数据洞察与服务升级成果。年报显示，2025年中宏保险通过数字化赋能 与流程优化持续提升客户满意度和服务体验，致力为每一位客户提供更高效、更便捷的理赔服务。 多年来，中宏保险始终坚持"以客为先"的服务理念，不断优化理赔流程，提升服务质量。2025年，公司 累计访问3,400余位体验过理赔服务的客户，深入了解他们的需求和反馈，并开展针对性的优化措施， 包括升级核心系统，线上理赔时效提速29%，线下理赔时效提速43%；新增"理赔申请飞签"功能，支持 远程办理；支持"一案多责"申请，实现一次提交即可完成所有所需理赔责任申请。 年报显示，2025年，中宏保险共处理个险及团险理赔案件17.6万件，赔付总金额达8.8亿元。自1996年成 立以来，公司累计处理的理赔案件总数已达294.6万件，累计赔付金额71亿元。具体到个险理赔方面， 2025年，中宏保险赔付金额达7.7亿元，同比增长19.3%；理赔件数为62,516件；豁免保费金额达2.5亿 元，切实缓解客户经济压力；理赔服务客户数达40,363人 ...

Core Insights - The property insurance industry is focusing on expanding non-auto insurance as a key area for business transformation, with many small and medium-sized companies seeking to diversify their profit centers beyond auto insurance [1][2] - Huatai Insurance has successfully shifted from a car insurance-dominated structure to a balanced approach with non-auto insurance comprising 64% of its business by 2024, compared to the industry average of 40% to 46% [2][4] Business Structure and Strategy - Huatai Insurance's business structure includes a balanced development of auto, personal, and commercial insurance, with each segment contributing to sustainable growth [2][4] - The company employs a dual-driven strategy of "underwriting profit + investment income," although it faces challenges in generating investment returns due to a low interest rate environment [3][4] Market Position and Competitive Advantage - The integration of Chubb's business into Huatai Insurance has enhanced its non-auto insurance capabilities, filling significant gaps and creating a more diverse product line [4][5] - Huatai Insurance has established itself as a leader in D&O insurance, serving over 400 listed companies in China, and anticipates a rise in demand due to regulatory changes [6][7] Innovation and Future Growth - The company is focusing on niche markets such as life sciences, green technology, and cybersecurity, aiming to provide comprehensive risk coverage for over 6,500 technology enterprises by 2024 [7] - Huatai Insurance plans to leverage its local experience and global resources to enhance its product offerings and risk management capabilities, positioning itself as a market leader in D&O insurance and other specialized sectors [7]