近期，阳光财险创新推出"理赔服务机器人"，以科技赋能升级"快、简、省"为核心的"三一"服务体系。 至此，通过"理赔机器人"与"阳光闪赔"两大核心工具，阳光财险车险理赔效率与客户体验实现进一步提 升，为行业车险理赔服务提供了有温度、高时效、懂客户的智能理赔服务新范式。 未来，阳光财险将继续秉持"一切为了客户"的核心价值理念，以科技驱动服务持续升级，不断刷新行业 理赔服务标准，为客户提供更安心、更便捷的保障体验，为推动保险业高质量发展贡献更多的阳光力 量。 保险频道更多独家策划、专家专栏，免费查阅>> 责任编辑：山上 此外，通过"理赔服务机器人"，拍摄的事故照片可实时同步理赔系统，实现案件无缝流转，彻底避免资 料丢失与重复存储的麻烦。"理赔服务机器人"能自动识别单证信息并回填系统，减少人工录入环节，同 时支持电子单证在线签署，让理赔操作更便捷。从自动建群、引导拍照上传，到咨询答疑、测算保费， 机器人全程响应，覆盖理赔全场景需求。 深夜理赔的场景，更能体现"理赔服务机器人"的价值。客户王女士在夜间12点左右驾车发生轻微刮擦， 前保险杠出现手掌大小掉漆，作为首次单独处理车险事故的车主，在向阳光财险报案后，阳光财险"理 ...

Core Insights - The application of AI in the domestic insurance industry is entering a new phase of large-scale implementation, with major companies focusing on cost reduction and efficiency enhancement across the entire business chain [1][2][3] AI Integration in Business Processes - AI technology is transforming core insurance processes from manual to intelligent-driven, significantly improving service efficiency and customer experience [2] - In underwriting and customer service, AI has enhanced operational efficiency, with automated underwriting rates reaching 95.8% and customer service response accuracy exceeding 95% [3][4] Cost Control and Risk Reduction - AI applications in customer service and auditing have substantially reduced labor costs, with companies like ZhongAn Insurance utilizing over 100 active AI robots, achieving 4.5 billion calls in the first half of the year [4][5] - Enhanced AI risk control capabilities have led to significant reductions in fraud losses, with Ping An Insurance intercepting fraud claims worth 6.44 billion yuan, a year-on-year increase of 6% [5] Future Development and Strategic Direction - Several listed insurance companies have identified AI as a long-term strategic direction, with China Pacific Insurance focusing on building an enterprise-level AI capability system [7][8] - The integration of AI is expected to drive innovation in personalized products, health management services, and investment capabilities, with Ping An's investment return rate rising to 3.1% [7][8]