南方财经全媒体记者林汉垚实习生徐若萱 今日，多家保险公司发布的2025年度理赔年报披露内容显示，保险业正在经历一场从"数字化工具辅 助"向"AI驱动"的范式转移。 21世纪经济报道记者梳理平安人寿、工银安盛人寿、腾讯微保及众安保险等机构的2025年理赔数据发 现，理赔服务发展已不仅局限于速度提升，而是转向了AI大模型对复杂责任判定的深度介入，以及通 过数据直连实现的"医保+商保"一站式结算。 数据显示，多家险企及互联网平台在2025年的理赔质效实现了跃升。 平安人寿全年累计赔付达415.1亿元，获赔率高达99.2%；工银安盛人寿全年赔付理赔金25.1亿元，守护 人次达286.1万；众安保险全年赔付金额179亿元，日均处理案件约290万件；腾讯微保平台累计理赔金 额达84亿元。 给付数据背后，AI大模型技术的应用渗透率正极大影响着险企运营效率，部分机构的自动化审核结案 率已近五成。 AI大模型已成理赔提效核心引擎 2025年保险业理赔流程的最显著变化，在于AI大模型实现了从"单据识别"向"逻辑推理与责任判定"的深 度进化。 平安人寿在理赔报告中披露，公司正式引入DeepSeek大模型打造全新的智能审核引擎。目前 ...

Core Insights - The Asian Pet Expo held in Shanghai showcased over 2,600 exhibitors and more than 20,000 brands, highlighting the transformation of pets from mere animals to family members, leading to a shift in consumer spending from basic needs to personalized services [1][2] Market Growth - China's pet market has grown from 97.8 billion yuan in 2015 to over 592.8 billion yuan in 2023, with a compound annual growth rate of 25.4% [2] - The growth is driven by younger generations viewing pets as emotional companions, shifting consumption from basic feeding to emotional attachment and care [2] Supply Chain Innovations - The pet industry is seeing innovations across the supply chain, with high-end and personalized products emerging in food and medical services, expanding consumer scenarios and increasing average spending [2][3] - Companies like "Safi" are introducing organic selenium-rich pet food, combining traditional herbal ingredients with modern nutrition [3] Medical Services Evolution - Pet medical services are evolving from treatment-focused to preventive care, with increasing demand for regular check-ups and chronic disease management [3] - Pet insurance is experiencing rapid growth, with companies like ZhongAn Insurance reporting a nearly 100% annual growth rate in pet insurance business [3] Personalized Services - There is a growing trend towards personalized memorial services for pets, with companies offering customized products that cater to the emotional needs of pet owners [4] - Younger consumers, particularly those born in the 1990s and 2000s, are driving demand for personalized pet products and services [4] Technological Innovations - The industry faces challenges such as food safety, homogenization, and talent shortages, but technology is seen as a key solution [5] - Innovations like AI diagnostics, remote medical services, and blockchain for food safety are being explored to enhance industry standards [5] - The expo featured advanced pet technology products, including smart pet phones and automatic litter boxes with health monitoring capabilities [5][6] Future Directions - Companies are focusing on refining smart pet devices through AI and big data to enhance user experience and meet specific consumer needs [6]