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打好“十四五”收官战:泰康在线以保险守护民生,用科技赋能未来
Cai Fu Zai Xian· 2025-08-25 03:18
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]