Recently, Taikang**, a leading Internet insurance company, released its 2023 claims service report. According to the report, in 2023, Taikang** will serve more than 1.5 million claims customers, with a cumulative compensation amount of more than 5 billion yuan and 1 closed cases500 million pieces. Relying on the strength of science and technology, Taikang** has further improved the timeliness of claims, with an average daily settlement of more than 400,000 cases, and a one-day settlement rate of 99 for small cases8%。
At the same time, Taikang** actively responds to the policy requirements of financial services for new citizens, and provides medical and unemployment insurance protection for new citizen groups, covering 600,000 new citizens in 34 provincial-level administrative regions and municipalities directly under the central government, with a cumulative compensation amount of more than 2200 million yuan. Among them, Taikang** has also set up a special claim line for riders, and will provide claims services for more than 60,000 riders in 2023.
Diversified business development, with annual compensation of more than 5 billion yuan.
In 2023, Taikang** will serve more than 1.5 million claims customers throughout the year, a year-on-year increase of nearly 60%. In terms of the number of closed cases, compared with 2022, the number of closed cases in 2023 has doubled, reaching 1500 million pieces. From the perspective of the amount of closed cases, the cumulative amount of compensation exceeded 5 billion yuan, a year-on-year increase of 20%.
According to the report, under the guidance of the "new insurance ecology" strategy, Taikang**'s diversified business has developed strongly, and multiple business lines such as health insurance, auto insurance, and non-auto property insurance have gone hand in hand. Among them, in terms of health insurance, Taikang ** actively integrates into the health ecology of Taikang Medical Care, leverages the group's high-quality medical resources, and comprehensively implements the transformation from "protecting healthy people" to "protecting people's health". At present, Taikang** is able to provide a one-stop full-process comprehensive solution of "health examination, online consultation, medical treatment arrangement, hospitalization advance, direct compensation for special drugs, post-hospital care, and post-compensation chronic disease management", which runs through the whole process of user health services, and serves more than 310,000 customers in 2023.
As the first insurance company in China to put forward the concept of "Internet healthy car insurance", in 2023, Taikang** will continue to deploy Taikang's characteristic car owner services of "human health, car health, and travel health", providing customers with nearly 50,000 non-accident rescue services throughout the year, with a service satisfaction rate of more than 98%.
In the context of the state repeatedly issuing policies to call for solving the problem of risk protection for new citizen groups, Taikang ** actively responded to policy requirements and provided medical and unemployment insurance protection for new citizen groups, which has now covered 600,000 new citizens in 34 provincial-level administrative regions and municipalities directly under the central government, with a cumulative compensation amount of more than 2200 million yuan, and a total of more than 60,000 riders will be provided with claims services in 2023.
In addition, the report shows that in 2023, Taikang** will provide nearly 12 billion yuan of property protection for families, more than 300 billion yuan for enterprises, and more than 12 million yuan in compensation. Among them, in terms of enterprise customers, Taikang** has covered more than 4,000 large, medium and small enterprises.
Technology has helped the "acceleration" of claims service, with an average of more than 400,000 cases closed every day.
As an Internet insurance company, "technology" is the innate gene and characteristic of Taikang**. In recent years, Taikang** has continuously increased investment in science and technology to help improve the quality and efficiency of diversified services.
The report shows that in 2023, with the help of big data, artificial intelligence and other technologies, Taikang** will run out of the "acceleration" of claims service, with an average daily settlement of more than 400,000 cases, an average daily compensation of more than 14 million yuan, and a one-day settlement rate of 99 for small cases8%。Among them, in the field of health insurance, more than 98% of Taikang**'s customers prefer online reporting, and more than 90% of small outpatient clinics achieve "manual free of the whole process" through "OCR+NLP+RPA", every 0In 21 seconds, a claim occurred.
In the field of auto insurance, Taikang** focuses on promoting cloud smart compensation and worry-free cooperative compensation: the former achieves high efficiency from reporting to closing the case in as little as 9 minutes through remote investigation and loss assessment mode; The latter has increased the electronic claim processing rate to 82% to more than 630,000 customers have provided one-stop high-quality, convenient and considerate services. In the field of scenario insurance, Taikang**'s digital and intelligent claims settlement capabilities have also been continuously improved, reaching a total of 14 scenarios in 2023, with automation and digitalization accounting for more than 99%.
In addition, Taikang ** will also deeply integrate big data technology with intelligent algorithms, with the help of machine learning, cross-platform data introduction, graph computing technology and other scientific and technological innovations, build an insurance intelligent business platform, continuously upgrade the risk control and anti-fraud system, and protect the interests of policyholders at all times.
Actively fulfill social responsibilities and initiate 60 emergency plans for claims.
While providing users with insurance protection and doing a good job in claims settlement services, in 2023, Taikang** will also actively play the role of "shock absorber" and "stabilizer" of China's economic development, and practice the social responsibility of insurance companies.
In 2023, a total of 60 claims emergency plans will be launched, more than 700,000 disaster warning messages will be sent, more than 360 claims adjusters will be mobilized to participate in disaster prevention and mitigation, and nearly 1,000 customers will be helped to carry out asset transfer or protection throughout the year, reducing losses by more than 17 million yuan.
At the same time, Taikang** actively practices the concept of ESG and contributes to the green economy. In 2023, it will continue to promote paperless claims, saving an average of 3 sheets of paper per case, and a total of nearly 510 low-carbon repairs, involving a low-carbon emission reduction amount of more than 2.4 million yuan.
To sum up, in 2023, under the guidance of Taikang Insurance Group's new life insurance model of "payment, service and investment", Taikang**'s diversified business development has achieved considerable results. In the future, Taikang will continue to give full play to the ecological advantages of Taikang Insurance Group, serve the people in the way of market economy, resonate with the national strategy and the national economy and people's livelihood, and inject greater momentum and vitality into the construction of "Healthy China".