数字生活生态保费为62.09亿元，其中创新业务保费达到24.90亿元，占比达到40.1%，同比增长 40.0%。其中宠物险方面，众安持续引领国内宠物险行业的发展和突破。2025年上半年，宠物险总保费 接近人民币5.63亿元，同比增长超51.3%，市场占有率领先，截至目前累计服务超711万宠物主。在产品 创新上，众安融合"碰一碰"NFC技术，提升购买与理赔便捷性；推出"NFT宠物数字身份证"系列数字藏 品，借助区块链技术为宠物及其主人构建独一无二的数字身份资产，开创全新的宠物数字互动体验。与 此同时，众安敏锐把握低空经济的发展机遇，针对不同无人机机型、不同的服务模式实现精准定价，推 出无人机机损险、三者责任险等解决方案，累计服务超过百万无人机机主，报告期内低空经济保费增速 超过20%。 汽车生态方面，实现总保费人民币14.78亿元，同比增长34.2%。众安在上海、浙江两个地区独立自 主经营交强险，实现了交强险"从0到1"的突破，同时上海地区的商业车险也实现了独立自主经营。众安 抓住新能源汽车保险的发展机遇，为百余个品牌的新能源车主提供产品及服务，2025年上半年新能源车 险总保费同比增长约125.4%，在公司车 ...

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]

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]

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]

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]