The relevant person in charge of China Ping An Life Insurance Company of China Insurance Company said that since 20021,China Ping An Life Insurance Company of China Insurance Company has continuously expanded and improved the claims service system, optimized the customer experience, and strived to bring warm claims service to customers.
The total compensation reached 410.20 billion yuan, and the proportion of serious illness compensation was as high as 5 1%.
In 20021year, the number of claims settled by China Ping An Life Insurance Company of China insurance company reached 4.28 million, an increase of 10% compared with 3.88 million in 2020. The total salary continues to be in the forefront of the industry, reaching 410.2 billion yuan, an increase of 17% compared with 35.2 billion yuan in 2020. The average number of claims per day exceeds 1 1726, and the amount of compensation exceeds 654.38+0. 1 100 million yuan.
According to the annual claims report of China Ping An Life Insurance Company of China Insurance Company, the number of serious illness claims in 2002 1 year exceeded 250,000, and the compensation amount was 21100 million yuan, accounting for 5 1% of the total claims, accounting for half of the total claims.
In this regard, the annual claims report carries out big data statistics on the three major risk factors of major diseases, and analyzes the types, age distribution, gender distribution and other factors of major diseases, which will bring certain reference and reference to the development of the industry and the improvement of social insurance awareness.
According to the report, the top three risk factors of major illness compensation of China Ping An Life Insurance Company are malignant tumor, acute myocardial infarction and stroke sequelae, accounting for 82% of the total compensation for overweight diseases, and the claimants are mainly concentrated in the age groups of 465 and 438+0-60.
Medical compensation mainly aims at the main causes of medical disease death compensation.
China Ping An Life Insurance Company of China Insurance Company claims annual report shows that in 202 1 medical claims, disease medical treatment accounts for 65%, far exceeding 35% of accidental medical treatment. The main causes of accidental medical treatment are falls, animal bites and traffic accidents, while the medical treatment of diseases is respiratory diseases, cardiovascular and cerebrovascular diseases and acute appendicitis.
The digital aid claim experience continues to be optimized.
The sharp increase in the number of claims and the amount of claims stems from the continuous upgrading and improvement of the intelligent claims service system by China Ping An Life Insurance Company of China Insurance Company relying on the improvement of its digital capabilities.
In order to solve the difficulties and pain points of customers' claims, such as long limitation, complicated procedures and great pressure on treatment funds, China Ping An Life Insurance Company of China Insurance Company has established a claims service system represented by "flash compensation", "intelligent first payment" and "no worries about compensation for things". Among them, the number of flash compensation services of 202 1 exceeded10.5 million, and the compensation amount exceeded 3.3 billion yuan; The number of intelligent pre-compensation services exceeded 42,000, and the amount of compensation exceeded 65.438+0.7 billion yuan.
It is worth mentioning that in 20021year, China Ping An Life Insurance Company of China Insurance Company innovatively launched the "Nothing to Pay" claim service with blockchain technology as the core. This service is comprehensive for hospitals under the jurisdiction of the municipal health and health commission. Under the premise of effective authorization of customers, network encryption, mutual trust verification and point-to-point transmission of identity information, medical records and transaction information are realized. , to help customers realize "reporting immediately after hospitalization, paying immediately after discharge, and customers don't run errands". The introduction of this service has improved the intelligent claims system of China Ping An Life Insurance Company of China Insurance Company, and changed the old mode of insurance companies passively waiting for customers' claims applications into actively completing claims services for customers.
Shi Weiyu, chief operating officer of China Ping An Life Insurance Company of China Insurance Company, said that in the future, China Ping An Life Insurance Company of China Insurance Company will continue to take people as the center, take customers' needs as the guide, actively find reasons for claims for customers, and rely on digital empowerment to provide customers with a simpler, more efficient and warmer claim service experience.