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穿越周期的力量:中意人寿23载发展的长青之道
Qi Lu Wan Bao· 2025-09-16 07:16
今年6月,由教育部主管、清华大学主办的《清华金融评论》最新发布的保险竞争力排行榜单引发行业 关注。在这份颇具影响力的榜单中,一个现象值得关注:十强席位中出现了一家仅有的合资保险公司 ——中意人寿保险有限公司(以下简称"中意人寿"),这已是该公司第二次荣获这一殊荣。 若将时光倒回23年前,当中意人寿作为中国加入WTO后首家合资保险公司"落户"广州时,或许很少有 人能预料到,这家带着"混血基因"的企业能够在今日的中国寿险市场稳健发展至今。如今看来,在充满 较多不确定性的市场环境中,中意人寿这份对于"稳健"的坚守,就显得尤为难能可贵。 一、风控投资双稳健,彰显长青底色 自2002年成立以来,中意人寿始终坚持以合规经营为基石,将风险管控嵌入企业发展的基因之中,走长 期可持续发展之路。 企业能否持续履行保险责任,偿付能力是关键衡量指标。其官网公开披露的最新数据显示,2025年第二 季度,其核心偿付能力充足率和综合偿付能力充足率分别为166%和212%,近五年来,中意人寿综合偿 付能力充足率始终保持在较高水平,达200%左右,这表明其拥有充足的资本金兑现对客户的承诺,彰 显出其稳健发展底色。 在产品与服务层面,中意人寿逐 ...
中意人寿重疾险深度解析:如何以“用户为中心”守护家庭健康?
Qi Lu Wan Bao· 2025-08-21 04:18
Core Insights - The demand for critical illness insurance (CI) is becoming increasingly diversified and refined as basic medical expense coverage has been largely met by the widespread adoption of million medical insurance and public welfare insurance [1] - China Life Insurance Company (hereinafter referred to as "China Life") focuses on user needs, offering differentiated product features, strong health management services, efficient claims processing, and sustainable operational capabilities to provide new options for critical illness protection [1] Group 1: Product Design and Innovation - China Life's "Yuexiang" series of critical illness insurance products exemplifies its user-centered design philosophy, expanding the number of covered critical illnesses from 108 to 128 in the "Yuexiang Yisheng (Champion Version)" [2][3] - The "Yuexiang Yisheng (Champion Version)" allows multiple claims without grouping diseases, enhancing the likelihood of multiple payouts, and maintains coverage for mild and moderate illnesses even after a critical illness claim [3][4] Group 2: Service and Claims Support - China Life provides a "Yiguanjia" health management service for critical illness insurance clients, offering comprehensive support from diagnosis to recovery, which includes shared family health consultations [5][6] - The company has optimized its claims process by simplifying required documentation and enhancing review efficiency, resulting in 2.55 billion yuan in claims paid in the first half of 2025, with 368 cases processed under the "Critical Illness One-Day Claim" program [7][8] Group 3: Financial Strength and Stability - China Life maintains a solvency ratio of around 200% over the past five years, ensuring it can meet its payout commitments even in volatile market conditions [9] - The company has consistently achieved a risk composite rating of AAA/AA, reflecting its strong risk management and operational stability [9][10] Group 4: Shareholder Strength - China Life benefits from a robust shareholder structure, with domestic and international partners providing extensive industry resources and operational expertise [10][11] - The collaboration with China National Petroleum Corporation and Italy's Generali Group enhances China Life's product offerings and competitive edge in the critical illness insurance market [11]
中意人寿重疾险:革新理念,筑牢家庭健康保障防线
Qi Lu Wan Bao· 2025-08-14 23:21
Core Viewpoint - The demand for critical illness insurance (CI insurance) is becoming increasingly diversified and refined as basic medical expense coverage has been largely met by the widespread adoption of million medical insurance and affordable health insurance products. This shift is driven by a growing public need for family risk management, leading to higher expectations for product responsibilities, cost-effectiveness, and value-added services [1][2]. Group 1: Product Design and Innovation - Zhongyi Life Insurance focuses on a user-centered design philosophy in its CI insurance offerings, aiming to meet customer needs more fully and precisely. The "Yuexiang" series, particularly the "Yuexiang Yisheng (Champion Edition)" CI insurance, has expanded its coverage from 108 to 128 critical illnesses and increased the likelihood of claims after diagnosis [2][4]. - The "Yuexiang Yisheng (Champion Edition)" allows multiple claims without grouping diseases, unlike traditional CI insurance, which limits claims to once per disease group. This product also maintains coverage for mild and moderate illnesses even after a critical illness claim, providing comprehensive protection [4][5]. Group 2: Service and Claims Support - Zhongyi Life Insurance emphasizes a comprehensive service system and efficient claims process, extending protection from pre-diagnosis to post-diagnosis. The "Yiguanjia" health management service offers personalized support for clients, facilitating quick claims and effective disease management [6][7]. - The "Yiguanjia" service has evolved to include features such as zero premium thresholds, long validity periods, and the ability for eight family members to share health management services, enhancing customer convenience [10]. Group 3: Claims Efficiency - Zhongyi Life Insurance has optimized its claims process by simplifying required documentation and improving review efficiency. In the first half of 2025, the company processed 2,371 individual claims totaling 255 million yuan, with 368 claims paid on the same day, demonstrating the effectiveness of its claims service [11][14]. - The company has maintained a high service quality index of 90.14 for three consecutive years, reflecting its commitment to professional and efficient service at every stage [14]. Group 4: Financial Strength and Stability - Zhongyi Life Insurance boasts a comprehensive solvency ratio of around 200% over the past five years, ensuring it can meet its payment commitments even in volatile market conditions [15][16]. - The company has consistently achieved AAA/AA risk ratings, indicating strong risk management and operational stability. This solid financial foundation provides clients with confidence in their insurance products [16][17]. Group 5: Future Outlook - With strong backing from its shareholders, including China National Petroleum Corporation and Italy's Generali Group, Zhongyi Life Insurance is well-positioned to continue offering competitive and tailored CI insurance products. The company aims to be a lifelong partner for clients, contributing to the health and well-being of families across China [17].