The insurance sector is currently at a crucial juncture for the adoption of artificial intelligence. This perspective was shared at the 2026 Huibao World Insurance Conference, themed "AI Surge, K-Shaped Divergence | Insurance's New Five Years: New Drivers and New Cycles."

On the policy front, the national "15th Five-Year Plan" mentions AI thirty times, explicitly calling for the full implementation of the "AI+" initiative. Supporting documents have been issued by the State Council and the National Financial Regulatory Administration, urging deep integration of AI with finance and health sectors to cultivate new, high-quality productive forces in finance.

The industry's transformation continues to present multiple challenges for insurers, including difficulties in achieving profitability and managing risks. Simultaneously, there is a sustained surge in demand for personalized coverage such as tech insurance, green insurance, inclusive insurance, and pension insurance. Taking health insurance as an example, customers are no longer content with standardized products; they increasingly seek dynamic, customized protection plans tailored to their personal health status and lifestyle habits.

In response, Ping An Property & Casualty Insurance is intensifying its investments in digitalization and intelligent technology. AI has become the core driving force behind the company's strategic focus on fulfilling its social responsibilities, becoming the preferred choice for customers, and serving as a pillar within its group structure.