科技革新正以空前之势重塑保险业格局，以DeepSeek为代表的AI技术深度重构着行业生态。对于保险 业科技应用的风向标，头部险企的动作无疑最具参考性。9月1日，北京商报记者梳理发现，从各家上市 险企披露的半年报以及业绩会释放的最新信号来看，各家正加速在AI赛道展开战略部署。通过技术赋 能推动"AI+保险"的场景化融合，标志着行业数字化转型与智能化升级已迈入全新发展阶段。 在业内人士看来，一方面，AI将重塑保险价值链，从营销到服务的全流程智能化显著提升运营效率与 用户体验；另一方面，行业可能加速分化，科技领先的头部险企将进一步扩大市场份额，与此同时，这 标志着保险业从"人力驱动"迈向"数据与算法驱动"的时代变革。 陆续交出科技答卷 科技，正成为各家险企当仁不让的年报关键词。 A股五大上市险企上半年成绩单相继出炉，高管实时答疑的业绩会紧随其后……北京商报记者了解到， 多家险企不仅迎来科技成果的集中亮相，还公布了最新科技战略布局。 "45载改革浪涌，赓续特区精神，不忘蛇口来时路。9万里科技星驰，重塑金融模式，创新无远弗届。"8 月26日，在中国平安发布的2025年半年报中，中国平安董事长马明哲如是表示。 半年报显示 ...

Core Viewpoint - China Life Insurance is leveraging digital technology to transform insurance services, making them more intelligent, convenient, and warm, while promoting the integration of the digital economy with the real economy [1] Group 1: Digital Transformation - China Life Insurance is undergoing a comprehensive digital transformation to enhance insurance services, addressing issues such as slow claims processing and accessibility for elderly customers [2][5] - The company has developed a digital channel via WeChat for parents of students in remote areas, allowing for claims to be processed on the same day, significantly improving the efficiency of claims for over 1 million families [2][3] - The "Respect for the Elderly" mode in the life insurance app has been certified for accessibility, making it easier for elderly users to manage their insurance [2] Group 2: Technological Advancements - China Life Insurance has implemented artificial intelligence to streamline the claims process, achieving a fully automated claims operation where some cases can be settled in as little as 3 minutes [3] - The company has pioneered a direct settlement service for medical insurance, allowing for real-time billing without the need for claims applications, which has been rolled out in 19 provinces [3] - The digitalization rate in underwriting and claims processes has reached approximately 99%, showcasing the company's commitment to efficiency [3] Group 3: Ecosystem Development - China Life Insurance is building an insurance service ecosystem by collaborating with medical institutions, government platforms, and partner enterprises, moving towards a more open approach to digital transformation [4] - The company has launched a city-customized commercial health insurance product in Chongqing, achieving broad coverage through online channels [4] - Future plans include integrating various services such as healthcare and elderly care into the app, aiming to provide a one-stop service for customers [4][5]

Core Viewpoint - The company has successfully implemented the "Gaokao Station" initiative during the national college entrance examination, demonstrating its commitment to social responsibility and community support [1][14]. Group 1: Service Initiatives - The company set up over 40 "Gaokao Stations" across Shandong Province, providing comprehensive support services for students and their families during the exam period [1]. - Services included comfortable resting areas with seating, free drinking water, emergency medical supplies, exam stationery, and printing facilities [3]. - Special psychological support rooms were established to help alleviate pre-exam anxiety through counseling and financial knowledge dissemination [5]. Group 2: Interactive and Support Services - Unique interactive areas were created, including a photo wall for celebrating achievements and a wish wall for students, catering to various needs of students and parents [6]. - A free transportation service was provided for students facing travel difficulties or emergencies, ensuring they could reach exam locations [7]. Group 3: Digital Integration and Community Outreach - The company utilized digital platforms such as the China Life Insurance App and official WeChat account to offer smart location services, appointment scheduling for transportation, and emergency guides, enhancing the efficiency of online and offline services [9]. - The initiative extended support beyond students to include parents, law enforcement, security personnel, sanitation workers, and delivery staff, providing them with necessary supplies and support [10]. Group 4: Commitment to Social Responsibility - Through the "Gaokao Station" initiative, the company has showcased its role as a central enterprise, emphasizing its dedication to community welfare and support for students' aspirations [14].