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保险业AI暗战:从“规模厮杀”到“效率竞赛”,谁能跑通新范式?
Guan Cha Zhe Wang· 2025-09-04 08:00
Core Insights - The application of artificial intelligence (AI) in China's insurance industry is experiencing a qualitative leap, transitioning from conceptual exploration to industrial implementation in the first half of 2025 [1] - Intelligent transformation is becoming the core driving force for the industry's upgrade, fundamentally changing traditional insurance business models [1] Group 1: Underwriting and Claims Processing - The underwriting process is undergoing deep transformation with AI, addressing long-standing challenges in processing unstructured data [1] - Ping An Property & Casualty has achieved an intelligent issuance rate of 81.2% in car insurance, reducing average processing time to under one minute [1] - ZhongAn Insurance's cloud core system "Wujieshan" generated 6.699 billion policies in the first half of the year, with an automated underwriting rate of 99% [1] - Claims processing has seen significant improvements, with Ping An's "111 Fast Claim" service achieving a 59% share of instant claims, and injury claims automated processing rate reaching 55% [1][2] Group 2: Customer Service and Risk Assessment - China Life's digital underwriting system has an intelligent review rate of 95.8%, and its new intelligent customer service has an accuracy rate exceeding 95% [2] - Sunshine Insurance's remote service has achieved a 65% automation rate in the entire process, with an 82% satisfaction rate for intelligent services [2] - ZhongAn's "Lingxi Platform" deployed nearly 110 intelligent robots, handling 450 million calls in the first half of the year [2] - Ping An's anti-fraud system intercepted losses of 6.44 billion yuan, a 6% year-on-year increase [2] Group 3: Strategic Development and Future Outlook - Many insurance companies are elevating AI to a core strategic level, with China Pacific Insurance emphasizing "AI+" as a key strategy [3] - The insurance industry is transitioning from "scale-driven" to "efficiency-driven" and "value-driven" models due to the deep integration of AI technology [3] - The intelligent transformation is not only enhancing operational efficiency and reducing costs but also paving new paths for high-quality development in the insurance sector [3]