Core Insights - Insurance companies are transforming their apps from mere claims processing tools into comprehensive "health partners" and "lifestyle managers" that provide continuous service interactions beyond just insurance transactions [1][2][6] Group 1: Service Innovations - Insurance apps are increasingly offering diverse services, such as mental health assessments through the "Emotional Support Station" on the China People's Insurance app, allowing users to evaluate their psychological state [2][4] - China Life's app has introduced a "Pension Zone," providing users with easy access to information about various pension facilities and enabling online appointment scheduling [3][4] - The integration of medical services is exemplified by Ping An Life's app, which offers "domestic second opinions" from top hospital experts, addressing the shortage of medical resources in lower-tier facilities [4][6] Group 2: Strategic Shift - The evolution of insurance apps reflects a strategic shift from "post-incident compensation" to "full-cycle health management," enhancing user engagement and trust through regular service interactions [4][6] - The focus has shifted from merely selling policies to managing user relationships throughout their life cycles, incorporating health, retirement, and wealth management services [6][7] - Regulatory guidance is pushing insurance companies to integrate health management with insurance services, emphasizing risk reduction as a key business logic [6][7] Group 3: Market Dynamics - The user engagement metrics indicate a successful transition, with China People's Insurance app's monthly active users increasing from 3.35 million to nearly 4 million within a year [5][6] - The competitive landscape is evolving, with large insurers leveraging their resources to create comprehensive service platforms, while smaller firms focus on niche markets and partnerships to enhance their offerings [7][8]

Core Insights - Insurance companies are transforming their apps from mere claims processing tools into comprehensive "health partners" and "lifestyle managers" that provide continuous service interactions beyond just insurance transactions [1][3][4] Service Expansion - Insurance apps are increasingly offering diverse services, such as mental health assessments through the "Heartwarming Station" on the China People's Insurance app and a dedicated "Elderly Care Zone" on the China Life Insurance app, enhancing user engagement [5][6] - The integration of mental health services and elderly care reflects a strategic shift towards proactive user support, moving beyond traditional insurance offerings [6][7] Strategic Shift - The evolution of insurance apps signifies a broader industry transformation from "post-incident compensation" to "full-cycle health management," aligning with regulatory trends and enhancing user loyalty [7][9] - The shift towards a user-centric operational model emphasizes the need for insurance companies to cover comprehensive life needs, thereby transitioning from one-time transactions to ongoing service relationships [8][9] User Engagement Metrics - The user engagement metrics indicate a significant increase in active users, with the China People's Insurance app's monthly active users rising from 3.35 million in 2024 to nearly 4 million in the first half of 2025, showcasing the effectiveness of these strategic changes [8] Competitive Landscape - The competitive landscape is evolving, with large insurance companies leveraging their resources to create comprehensive service platforms, while smaller firms focus on niche markets and specialized services to differentiate themselves [10]