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AI机器人半年调用量达4.5亿次,外滩大会:科技正重塑保险生态
Yang Zi Wan Bao Wang· 2025-09-11 15:31
Core Insights - The financial industry is becoming a primary battlefield for AI applications as it transitions from "technology exploration" to "industry implementation" [2] - AI is driving a profound structural transformation in the insurance sector, with business value increasingly derived from direct delivery of business outcomes rather than just software tools [2] - The insurance industry is undergoing a comprehensive intelligent transformation across all processes, significantly enhancing operational efficiency and customer experience [2] Industry Developments - AI applications have moved beyond pilot and experimental phases, now fully integrated into core functions such as underwriting, claims, marketing, and customer service [2] - Innovations in the insurance sector are focusing on personalized, customized, and intelligent solutions, particularly in areas like health, digital life, consumer finance, and automotive [3] Company Innovations - As of mid-2025, the AI platform "Zhongyou Lingxi" developed by Zhong An has covered all insurance business process needs, with approximately 110 active machines and a total of 450 million calls in the first half of the year [5] - The pet insurance sector has introduced a digital ID for pets, enhancing the convenience of purchasing and claiming insurance through NFC technology, and utilizing blockchain for unique digital identity assets [5] - The "one-click video claims" platform for auto insurance allows for a fully online claims process, significantly reducing the average case closure time by nearly 40% compared to traditional methods [5] - In health insurance, AI has been applied to key scenarios in claims processing, achieving a 90% success rate in intelligent material recognition and completing cases in as little as 15 seconds [5]
众安保险四度亮相外滩大会 以科技重塑保险生态新增长
Zheng Quan Ri Bao Zhi Sheng· 2025-09-10 13:45
Group 1 - The 2025 INCLUSION Bund Conference was held from September 10 to 13 in Shanghai, where ZhongAn Insurance showcased its insurance technology ecosystem focusing on health, digital life, consumer finance, and automotive sectors [1] - ZhongAn Insurance presented several star products including pet insurance, "Zunxiang eSheng", "Zhongminbao", auto insurance, and home property insurance during the conference [1] - The company emphasized its innovative applications of "AI + insurance" and "NFC + insurance" at the event [1] Group 2 - Wang Min, Executive Vice President and Secretary of the Board of ZhongAn Insurance, participated in a forum discussing "The Path of AI in Finance" and highlighted that AI is driving a profound structural transformation in the industry [3] - AI has moved beyond pilot and experimental stages, fully integrating into core processes such as underwriting, claims, marketing, and customer service, significantly enhancing operational efficiency and customer experience [3] - As of mid-2025, ZhongAn's self-developed AI platform "Zhongyou Lingxi" has become the core engine for business transformation, with approximately 110 active machines and a total call volume of 450 million times in the first half of the year, leading the industry [3] Group 3 - ZhongAn Insurance has deeply integrated innovative technologies like AI and NFC into its insurance business scenarios, showing initial success across multiple business ecosystems [4] - During the conference, ZhongAn Insurance and ZhongAn Technology jointly launched the "Pet Digital ID - Legendary Pet Star" series, combining digital asset technology with a dedicated service system [4] - The digital collectibles were available for purchase both online and offline during the conference, allowing users to engage in interactive activities and win brand-related gifts [4] Group 4 - ZhongAn has been engaged in health insurance for over 10 years, expanding its health ecosystem from "Zunxiang eSheng" to "Zhongminbao", creating a multi-layered product matrix to meet new user demands [5] - On September 10, the "Zunxiang eSheng Mid-to-High-End Medical Insurance 2025" series was launched, providing direct access to quality hospitals and covering advanced medical equipment with competitive pricing [5] - The company aims to continue its "insurance + technology" dual-engine strategy, exploring the application potential of cutting-edge technologies to deliver smarter, more convenient, and warmer insurance services [5]
众安在线2025年中期业绩:承保利润人民币6.56亿元,同比增长108.9%
Zhong Guo Jing Ji Wang· 2025-08-20 12:04
Core Insights - The company reported a total premium of RMB 16.661 billion for the first half of 2025, marking a year-on-year growth of 9.3% [1] - The comprehensive cost ratio improved by 2.3 percentage points to 95.6%, with underwriting profit increasing by 108.9% [1] - The net profit attributable to shareholders reached RMB 668 million, a significant increase of 1103.5% compared to the same period in 2024 [1] AI and Technology Integration - The company is actively embracing AI technology, utilizing mainstream large models and proprietary data to reconstruct the insurance value chain [2] - The AI platform "Zhong You Ling Xi" has become a core engine for business transformation, covering the entire insurance process [2] - In the first half of 2025, nearly 110 active robots were on the AI platform, with a total invocation of 450 million times, leading the industry [2] Core Business Performance - The health ecosystem's total premium reached RMB 6.275 billion, with a year-on-year growth of 38.3%, serving approximately 15.21 million insured users [3] - The flagship health insurance product "Zunxiang eSheng" generated a total premium of approximately RMB 4.25 billion [3] - The "Zhong Min Bao" series, targeting non-standard users, achieved a total premium of about RMB 1.03 billion, a year-on-year increase of 638.8% [3] Digital Life Ecosystem - The digital life ecosystem generated premiums of RMB 6.209 billion, with innovative business premiums reaching RMB 2.49 billion, accounting for 40.1% of the total [4] - The pet insurance segment saw a total premium of nearly RMB 563 million, growing over 51.3% year-on-year, with a leading market share [4] - The company introduced "NFT pet digital identity" series, leveraging blockchain technology for unique digital identity assets [4] Automotive Ecosystem - The automotive ecosystem achieved total premiums of RMB 1.478 billion, a year-on-year increase of 34.2% [5] - The company independently operated compulsory traffic insurance in Shanghai and Zhejiang, marking a significant breakthrough [5] - Premiums from new energy vehicle insurance grew approximately 125.4% year-on-year, accounting for over 18% of total vehicle insurance premiums [5] ZA Bank Performance - ZA Bank, a subsidiary of the company, achieved a historic turnaround with a net profit of HKD 49 million in the first half of 2025 [7] - The bank's net income reached approximately HKD 457 million, a year-on-year growth of 82.1% [7] - ZA Bank is recognized as one of the most comprehensive digital banks in Hong Kong, offering a wide range of financial services [6][7] Strategic Vision - The company emphasizes a "technology-driven finance" mission, aiming to create value for users, shareholders, and society through innovation [7]
众安在线上半年净利润达6.68亿元 数字银行业务扭亏为盈
Zhong Guo Jin Rong Xin Xi Wang· 2025-08-20 11:02
Core Insights - ZhongAn Online reported a 108.9% increase in underwriting profit for the first half of 2025, with net profit attributable to shareholders reaching 668 million yuan, a significant increase of 1103.5% compared to the same period in 2024 [1][2] Business Performance - The health ecosystem generated a total premium of 6.275 billion yuan, reflecting a substantial growth of 38.3%, serving approximately 15.21 million insured users [2] - The automotive ecosystem capitalized on the growth of new energy vehicle insurance, achieving total premiums of 1.478 billion yuan, a year-on-year increase of 34.2%, with new energy vehicle insurance premiums soaring by approximately 125.4% [2] - The digital life ecosystem focused on innovative businesses and pet insurance, with total premiums reaching 6.209 billion yuan, where innovative business premiums accounted for 2.49 billion yuan, representing 40.1% of the total and a year-on-year growth of 40% [2] Technological Integration - ZhongAn Online has deeply integrated AI technology into its insurance business, with the self-developed AI platform "Zhongyou Lingxi" becoming a core engine for business transformation, covering the entire insurance process [1] - The AI platform had nearly 110 active robots, with a cumulative call volume of 450 million times in the first half of 2025, showcasing industry leadership [1] Digital Banking Development - ZA Bank, a subsidiary of ZhongAn International, has become one of the most comprehensive digital banks in the Hong Kong market, offering a full range of services including deposits, loans, transfers, card consumption, foreign exchange, insurance, investment, and corporate banking [2] - In the first half of 2025, ZA Bank achieved a historic turnaround, reporting a net profit of 49 million HKD [2]
众安保险:将AI技术深度融入保险业务场景,上半年AI中台上活跃的机器人接近110个
Bei Jing Shang Bao· 2025-08-20 10:12
Core Insights - ZhongAn Online P&C Insurance Co., Ltd. released its mid-year performance report for 2025, highlighting the integration of AI technology into its insurance business [1] - The AI platform "Zhongyou Lingxi" has become the core engine for the company's business transformation, supporting various applications across the insurance value chain [1] - In the first half of 2025, nearly 110 active robots were operating on the AI platform, with a total call volume of 450 million times, indicating industry leadership [1]
众安在线2025中期业绩发布 AI重塑保险价值链 赋能公司全业务场景
Zhi Tong Cai Jing· 2025-08-20 09:45
Core Insights - ZhongAn Online reported a total premium of RMB 16.661 billion for the first half of 2025, marking a year-on-year growth of 9.3% [1] - The company achieved an underwriting profit growth of 108.9% and a net profit attributable to shareholders of RMB 668 million, a significant increase of 1103.5% compared to the same period in 2024 [1] Group 1: AI and Technology Integration - ZhongAn is actively integrating AI, blockchain, cloud computing, and big data into its operations, leading the industry in AI technology adoption [2] - The AI platform "Zhong You Lingxi" has become a core engine for business transformation, with nearly 110 active robots and a total of 450 million calls in the first half of 2025 [2] Group 2: Core Business Performance - The health ecosystem's total premium reached RMB 6.275 billion, a year-on-year increase of 38.3%, providing coverage for approximately 15.21 million insured users [3] - The flagship health insurance product "Zunxiang eSheng" generated approximately RMB 4.25 billion in premiums, while the "Zhongminbao" series saw a staggering growth of 638.8% with total premiums of about RMB 1.03 billion [3] Group 3: Digital Life Ecosystem - The digital life ecosystem generated premiums of RMB 6.209 billion, with innovative business premiums reaching RMB 2.49 billion, accounting for 40.1% of the total [4] - The pet insurance segment achieved a premium of nearly RMB 563 million, growing over 51.3%, and ZhongAn has served over 7.11 million pet owners [4] Group 4: Automotive Ecosystem - The automotive ecosystem reported total premiums of RMB 1.478 billion, a year-on-year increase of 34.2% [5] - The company has independently operated compulsory traffic accident insurance in Shanghai and Zhejiang, and the premium for new energy vehicle insurance grew approximately 125.4% [5] Group 5: ZA Bank Performance - ZA Bank, a subsidiary of ZhongAn International, achieved a net profit of HKD 49 million in the first half of 2025, marking a historic turnaround [7] - The bank's net income reached approximately HKD 457 million, a year-on-year increase of 82.1%, with non-interest income growing by 272.1% [7]
众安在线(06060.HK)2025年中期业绩:承保利润人民币6.56亿元,同比增长108.9%
Ge Long Hui· 2025-08-20 09:31
Core Insights - The company reported a total premium of RMB 16.661 billion for the first half of 2025, marking a year-on-year growth of 9.3% [1] - The comprehensive cost ratio improved by 2.3 percentage points to 95.6%, with underwriting profit increasing by 108.9% [1] - The net profit attributable to shareholders reached RMB 668 million, a significant increase of 1103.5% compared to the same period in 2024 [1] Group 1: AI and Technology Integration - The company is actively integrating AI, blockchain, cloud computing, and big data into its operations, leading the industry in AI technology adoption [2] - The AI platform "Zhongyou Lingxi" has become a core engine for business transformation, with nearly 110 active robots and a total of 450 million calls in the first half of 2025 [2] Group 2: Core Business Performance - The health ecosystem's total premium reached RMB 6.275 billion, a year-on-year increase of 38.3%, covering approximately 15.21 million insured users [3] - The flagship health insurance product "Zunxiang eSheng" generated a total premium of about RMB 4.25 billion during the reporting period [3] - The "Zhongminbao" series of products achieved a total premium of approximately RMB 1.03 billion, reflecting a year-on-year growth of 638.8% [3] Group 3: Digital Life Ecosystem - The digital life ecosystem generated premiums of RMB 6.209 billion, with innovative business premiums reaching RMB 2.49 billion, accounting for 40.1% of the total [4] - The pet insurance segment saw a total premium of nearly RMB 563 million, growing over 51.3% year-on-year, serving over 7.11 million pet owners [4] Group 4: Automotive Ecosystem - The automotive ecosystem achieved total premiums of RMB 1.478 billion, a year-on-year increase of 34.2% [5] - The company independently operated compulsory traffic insurance in Shanghai and Zhejiang, marking a significant breakthrough [5] - Premiums from new energy vehicle insurance grew approximately 125.4% year-on-year, accounting for over 18% of total vehicle insurance premiums [5] Group 5: ZA Bank Performance - ZA Bank, a subsidiary of the company, achieved a historic turnaround with a net profit of HKD 49 million in the first half of 2025 [7] - The bank's net income reached approximately HKD 457 million, a year-on-year growth of 82.1%, with non-interest income increasing by 272.1% [7] - ZA Bank is positioned as one of the most comprehensive digital banks in Hong Kong, offering a wide range of financial services [6][7]