Core Insights - The insurance industry is undergoing a transformation driven by AI, with leading companies adopting differentiated AI strategies to build their technological moats [1][4] - By 2025, major insurance institutions are integrating AI into their top-level strategic planning, resulting in unique development paths [1][3] - AI is evolving from a tool for efficiency enhancement to a core driver reshaping industry logic, with a consensus emerging around this viewpoint [1] Company Strategies - China Ping An is implementing an "AI in All" strategy, creating a comprehensive intelligent ecosystem covering finance, healthcare, and elderly care, with 818 million model calls and over 650 application scenarios reported in the first half of 2025 [1] - Sunshine Insurance is advancing its "Technology Sunshine" strategy, focusing on "robotics engineering + data engineering" to drive innovation in sales, service, and management [2] - New China Life is enhancing its digital transformation through "data empowerment, intelligent upgrades, and innovative breakthroughs," deploying a private version of the DeepSeek model [2] - Hongkang Life is integrating AI into core operations and decision-making processes, transitioning from traditional policy sales to a health management and lifestyle service platform [2] AI Applications in Operations - AI is significantly improving efficiency and customer experience across various insurance processes, from marketing to claims services [5][6] - In sales, AI acts as an "intelligent partner" for agents, exemplified by Sunshine Insurance's "life insurance sales robot" that supports agents throughout the sales process [5] - China Ping An has developed a digital underwriting system that achieves a 94% instant approval rate for life insurance policies using AI and big data [6] - Claims services are being upgraded to "speedy and intelligent" levels, with China Ping An's "111 Speedy Claims" service achieving a 58% rapid claims ratio in the first three quarters of 2025 [6] Customer Service Enhancements - AI is enabling "24/7, seamless" service experiences, with Sunshine Insurance piloting "zero transfer" services for customer inquiries [7] - New China Life's "Internet intermediary intelligent assistant" provides online services with over 95% accuracy, while China Ping An's AI service volume exceeded 1.292 billion in the first three quarters of 2025 [7] Technological Foundations - The growth of AI applications is supported by continuous investment in technological infrastructure, data governance, and security measures [8][9] - China Life is among the first to deploy domestic large models, enhancing its capabilities across various business areas [8] - Hongkang Life is building a technology foundation through a hybrid model, ensuring data security and business closure while collaborating with third-party technology firms [9] Industry Outlook - The insurance industry is leveraging AI as a core engine for comprehensive innovation in business processes and models, aiming for more inclusive, efficient, and intelligent services [11] - The ongoing evolution of technology and deepening applications of AI are expected to help insurance institutions overcome development bottlenecks [11]

Core Viewpoint - The 2025 Financial Street Forum focuses on "Innovation, Transformation, and Reshaping of Global Financial Development," emphasizing the need for a resilient, inclusive, and sustainable global financial system driven by technological advancements and industry changes [1] Group 1: Technological Empowerment in Insurance - Sunshine Insurance actively embraces technological advancements to enhance service quality for the real economy and improve public welfare [1] - The company utilizes an integrated "air, land, and sea" inspection technology, deploying drones for precise surveying of disaster-affected agricultural areas, facilitating efficient claims processing [2][3] - The "Sunshine Tianyan Risk Map" system monitors natural disaster information, providing timely disaster warnings and risk management services to clients [3][4] Group 2: Innovations in Risk Management - From January to August of the current year, Sunshine Insurance sent over 2 million weather disaster warnings to clients through the "Sunshine Tianyan Risk Map," helping them prepare for potential disasters [4] - The company employs advanced technologies like drones and 3D modeling for risk assessment in major projects, enhancing safety measures and risk management [4][5] Group 3: Enhancing Elderly Care Services - Sunshine Insurance has developed the Sunshine Family Community in Shanghai, integrating smart designs and elder-friendly features to ensure a safe and comfortable living environment for seniors [6][7] - The company is launching a "Sunshine Home Care Service System" in 2024, focusing on home health, safety, and living, utilizing technology to enhance service quality [7] Group 4: Streamlined Claims Process - The "Sunshine Car Life Assistant" app allows clients to initiate claims and conduct video inspections, significantly improving the efficiency of the claims process [8] - The "Sunshine Flash Claim" service has been upgraded to provide a seamless online claims experience, emphasizing speed and convenience for clients [8] Group 5: Commitment to Technological Innovation - Sunshine Insurance has consistently prioritized technology investment, leading to significant advancements in digital transformation and the establishment of a technology-driven operational model [10][11] - The company has developed its own AI model, "Sunshine Zhengyan GPT," to enhance customer service and operational efficiency [11][12] - Sunshine Insurance is actively participating in industry collaborations to promote innovation and the integration of data intelligence in the insurance sector [12]