十年，足以让一棵树苗长成栋梁，也足以让一个创想照进现实。 2015年11月18日，当"互联网+"的时代浪潮席卷神州大地，世界500强泰康保险集团以前瞻性的战略眼 光，落下了关键一子——泰康在线财产保险股份有限公司（以下简称"泰康在线"）应运而生。作为行业 内首家由传统保险企业发起成立的专业互联网财险公司，它的诞生，本身就是一次对未来的深刻洞察。 2025年11月18日，泰康在线昂首迈入第十个年头。回望这非凡十年，中国互联网保险走过了从渠道创新 的"野蛮生长"，到科技赋能的"深度融合"，再到价值重塑的"规范发展"的完整周期。而泰康在线，始终 是这场变革中最坚定的探索者与领航者。秉持"只做对的事"这一价值基石，公司以"保险+科技""保险 +服务"为双翼，构建"保险新生态"，坚定地走出了一条专业化、高质量的互联网财险发展之路，奏响了 以科技重塑保险、以专业服务民生的时代强音。 2016年，泰康在线车险牌照获批，探索互联网车险新模式；目前车险营业范围基本覆盖全国；2017年， 累计保单件数突破1亿件，当年保费收入同比增长145%；2018年，广泛连接，初步建立覆盖主流互联网 生态企业的合作伙伴网络；2019年，坚定价 ...

Core Insights - The insurance industry in China is transitioning towards high-quality development, facing challenges from traditional models while embracing digitalization, ecological integration, and intelligence as key transformation directions [1] - Taikang Online, as a pioneer in the industry, has demonstrated profound thinking and practical experience in this transformation over its ten-year journey [1] Group 1: Company Milestones - Taikang Online was established in 2015 with the mission to make insurance more secure, convenient, and affordable, collaborating closely with partners to build a new ecosystem for internet insurance [2] - In 2016, the company launched customized products for online shopping and the first rider insurance in the industry, supporting daily insurance for delivery personnel [2] - By 2017, Taikang Online had surpassed 100 million policies issued and introduced innovative health insurance products, significantly enhancing user experience [2] - The company addressed the accessibility of critical medications with the launch of the "Yao Shen Bao" plan in 2019 [2] - In 2022, Taikang Online's premium income exceeded 10 billion, serving over 200 million customers and launching new citizen insurance to enhance inclusive services [2] - As of 2023, the company has achieved historical highs in various metrics, serving 300 million customers, issuing 17.5 billion policies, and paying out over 30.5 billion in claims [2] Group 2: Future Directions - Taikang Online will hold a ten-year anniversary celebration on November 18 in Beijing, focusing on the theme "We, You, They" to reflect on its journey and set a forward-looking vision [3] - The event will explore the future direction of intelligent upgrades in insurance services, leveraging AI technology to reshape the customer experience [3] - The company aims to continue building an open and win-win insurance ecosystem, contributing to national strategies and enhancing public welfare [3]

Core Viewpoint - The insurance industry is experiencing a historic opportunity for high-quality development, playing an irreplaceable role in the modernization of the socialist country, enhancing economic vitality, and providing strong support for social stability [1] Group 1: Product and Service Optimization - The company is committed to improving inclusive insurance services to meet diverse health needs, introducing innovative insurance products for various demographics, including those with pre-existing conditions [2][3] - The "Pink Guardian" cancer recurrence insurance and other specialized products fill gaps in coverage for specific disease groups, linking medical resources and payment systems to enhance the multi-tiered medical security system [2] Group 2: Support for New Citizens - The "new citizen" group, nearly 300 million strong, faces significant insurance coverage challenges due to job mobility and location changes; the company has launched targeted insurance solutions to address these needs [3] - By the end of 2024, the company aims to provide insurance services to 600,000 new citizens, with total compensation exceeding 300 million yuan, enhancing their sense of security and well-being [3] Group 3: Empowering the Real Economy - The company supports national strategies and the development of the real economy, particularly focusing on small and micro enterprises by offering comprehensive insurance solutions to mitigate operational risks [4] - By the end of 2024, the "Tai Le Bao" series has provided nearly 10 billion yuan in risk coverage to over 8,000 small businesses, significantly reducing risks from natural disasters and accidents [4] Group 4: Digital Transformation and Technological Innovation - The company has invested over 2 billion yuan in technology research over the past decade, applying key technologies like cloud computing and AI to enhance operational efficiency and user experience [5][6] - The automation rate for underwriting and claims processing has reached 99.98%, with daily policy processing exceeding 50 million, significantly improving service speed and quality [6] Group 5: Risk Management and Social Stability - The company has established a comprehensive risk control system to combat insurance fraud, achieving a loss reduction of over 38 million yuan through innovative technology [7] - A full-cycle risk reduction service system has been developed to enhance disaster prevention and response, with over 295 million warning messages sent and claims totaling nearly 107 million yuan during the "14th Five-Year Plan" period [7] Group 6: Future Outlook - As it celebrates its tenth anniversary, the company aims to leverage its strengths in "insurance + technology" and "insurance + services" to enhance insurance coverage and service levels, contributing to the construction of a strong financial nation [8]