According to data from the national directorate of financial supervision, in the first half of 2025, insurance companies earned 3. 7 trillion yuan in insurance premiums, an increase of 5. 1 per cent over the same period; 1. 3 trillion yuan in compensation payments and payments, an increase of 9 per cent over the same period; 52. 4 billion new insurance policies, an increase of 11. 1 per cent over the same period. By the end of the second quarterInsuranceThe combined solvency rate was 204. 5 per cent, the core solvency rate was 147. 8 per cent and the insurance industry was fully solvent。
Steady growth in premium income
Insurance revenue is the main source of funding for the insurance industry. Over the past few days, large insurance companies such as the chinese people's insurance, life in china, and xinhua insurance have successively issued performance reports for the first half of 2025. In the case of major insurance companies, there has been a sustained increase in premium income。
In the first half of this year, china's total life insurance premium stood at 52. 588 billion yuan, the highest ever in the same period, with an increase of 7. 3 per cent over the same period, and a steady increase in market share. Of this total, the first-year premium was $8,124. 9 million, which was the highest in the industry, and the first-year premium was $30,305 million over the 10-year period and more, further highlighting the long-term competitive advantage. “the company has won large markets, both in new and renewed business, creating favourable conditions for the second half of the year of development。
According to the semi-annual reports issued by the chinese insurance policy, the insurance revenue during the reporting period was 45. 46 billion yuan, an increase of 6. 4 per cent over the previous year. Of this amount, 323. 3 billion yuan, or 3. 6 per cent more than the previous year, were earned on property insurance premiums; the market share of property insurance was 33. 5 per cent, which kept the industry first。
The president of china, zhao peng, said: “in the first half of the year, we increased the rate of response to grass-roots science and technology needs, with demand completing by more than 95 per cent on time; the new model of customer resource-sharing was gradually boosted by an 8. 9 per cent increase in business co-insurance revenue over the same period.”
According to industry sources, china has a large population, with insurance assets accounting for only 35 per cent of the global average and a per capita premium of 70 per cent. The basis for sustained and steady growth in premium revenues is stronger and more spatial。
Increased security capacity
The insurance industry works from multiple angles to secure the capacity base。
Improved capital capacity - in the first half of 2025, xinhua insurance responded positively to the call for the entry of insurance funds, optimizing the internal structure of equity assets and securing a long-term revenue base, based on the number of high-quality listed companies in the preceding period. The annualized total investment return for the first half of the year was 5. 9 per cent, an increase of 1. 1 percentage points over the same period, and the annualized total investment return was 6. 3 per cent。
Actively using the latest digital technology — along with the rapid development of large artificial intelligence models, china's taipa actively uses ai to optimize business processes and improve production efficiency. “we have advanced the big models in depth to the site of specific scenes, creating solutions in areas of focus such as sales, operations, wind control, etc.” according to the director-general of taishu of china, the company's ai seat now covers nearly half of the total number of customer services, with an automated rate of 16 per cent for health risk claims, 99 per cent for liability determinations in the large model and 47 per cent for all items。
ActiveService real economy
According to data from the national directorate of financial supervision, at the end of the second quarter of 2025, the total assets of insurance companies and insurance asset management companies were 3,92 trillion yuan, an increase of 3. 3 trillion yuan over the beginning of the year. In practice, active integration into the national development landscape and the active service economy is an important secret for many insurance companies to operate in a “stable and balanced manner”。
In response to the weak risk resilience of small micro-enterprises, the safe production risk is based on the requirements of the service-based real economy, constantly exploring new models of “insurance + technology + services” to improve the quality of the service-based economy. In the first half of 2025, spre developed a total of 1,741 products, providing $1. 89 trillion in risk guarantees to 161 million micro-enterprises. As of 30 june 2025, nearly 10. 8 trillion yuan had been invested in safety and security to support real economic development, and safe motherhood insurance had provided a total of over 4. 8 trillion yuan for more than 2,000 priority projects nationwide。
Insurance services are being followed up in a timely manner as new energy vehicles in china accelerate their access to the sea. “... At the beginning of 2025, we managed to achieve the first single landing of hong kong's new energy vehicle insurance operation and, in june, the first single landing of thai operations.” vice-president yuzawa of the people's republic of china said that overseas vehicle insurance operations were expected to become a new growth point for business and to continuously consolidate and expand the pre-emptive advantages and competitiveness of companies in the international insurance market。
