Deeply cultivate healthy digital life ecology
In the first half of the year, Zhongan Insurance continued to introduce affordable protection products to meet the needs of various groups of people. In the first half of the year, the number of users insured by Zhongan Health Ecology reached14.48 million, and the total premium was 3.92 billion yuan, a year-on-year increase of 29%.
In order to promote universal insurance, Zhongan has continuously upgraded its products and services, covering people with diabetes, hypertension, thyroid diseases, breast diseases, chronic liver diseases and chronic kidney diseases. It also launched exclusive insurance products for the pain points of the elderly, women and children.
At the same time, Zhongan Insurance continued to improve the closed-loop construction of "medical insurance" services and fully integrated Internet hospital services with medical insurance products. The service scenario extends from hospitalization and serious illness to outpatient and emergency treatment, chronic disease treatment, health management, rehabilitation management, consumer medical care and other whole process links, and ultimately improves the overall health level of users.
As of June 30th, the service penetration rate of the insured users in Zhongan Internet Hospital has exceeded 42% this year. * * * The green channel service for public safety and serious illness has covered 3 1 province, 100 cities and more than 900 hospitals nationwide, and the advance payment for hospitalization has covered more than 2,000 hospitals nationwide. * * * has provided advance payment for more than 10000 hospitalizations.
Zhongan, together with eco-partners, continues to explore digital life scenes in depth, and constantly introduces innovative products to fill the gaps in the market, which also meets the diversified and personalized security needs of users. In the first half of the year, the ecological premium of digital life reached 3.34 billion yuan, a year-on-year increase of 52%. Among them, the total premium growth rate of innovative products such as pet insurance and mobile phone broken screen insurance exceeded 130%, accounting for 20% of the ecological premium of digital life. At present, Zhongan has connected more than 8,000 offline pet hospitals, covering major cities across the country, linking high-quality medical resources for pet owners.
Promote the digital transformation of insurance ecology
Zhongan Insurance adheres to the two-wheel drive of "insurance technology" and continues to lay out cutting-edge technologies such as artificial intelligence, blockchain, cloud computing, big data and life science and technology. In the first half of this year, the company's R&D expenses were $654.38+$00,000. D investment reached 480 million yuan, up 12.4% year-on-year.
As a leading enterprise in insurance technology, Zhongan Insurance promotes cost reduction and efficiency improvement through technology, and continuously improves the user experience. At the same time, Zhongan will also export new insurance basic capabilities and mature product systems to the global insurance industry, and promote the digitalization process of the global insurance ecology.
In the first half of the year, the output income of Zhongan Technology was 270 million yuan, up by 1.22% year-on-year, and there were 44 contracted customers in the insurance industry chain, which was 1.6 more than the same period last year. In the domestic market, Zhongan's customer base includes Taiping Group, Taibao Group and AIA Life Insurance. About 75% of existing customers will make further purchases this year. In the total income of science and technology export, sustainable income accounts for 48%.
In overseas markets along the Belt and Road, Zhongan Service's international customer map continues to expand in Southeast Asia. The first customer's products were launched in Europe, supporting local leading property insurance, life insurance and internet insurance platforms to launch various fragmented and scene-based protection products.
With the help of Pratt & Whitney technology and finance, ZA Bank, the first local virtual bank established by Zhongan in Hong Kong, officially launched commercial banking services for small and medium-sized enterprises in Hong Kong this year to create flexible loan products for small and medium-sized enterprises and help them release their development potential.
As of June 1965, 438+00
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