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Sep 23, 2025

Transforming Employee Benefits with AI: Ping An Health Insurance’s Innovative Approach

Our recent Insurope Global Employee Benefits and Multinational Pooling Market Report highlights that amid shifting workplace expectations, HR leaders are redefining employee benefits, with a strong push toward flexibility and customization—62% now prioritize these enhancements to better meet workforce needs. Already ahead of this shift, Ping An Health Insurance, Insurope’s Network Member in China, is leading the way in innovation by integrating AI-driven solutions to make employee benefits more personalized and adaptable.

Ping An Health Insurance has been at the forefront of building a comprehensive medical service and health management system that supports users throughout their entire life cycle. With its "Health Insurance + Medical and Health Services" dual-driven 3.5 strategy, the company offers employees one-stop solutions by leveraging its self-built medical network and advanced intelligent capabilities.

AI: Reshaping Employee Benefits

AI technology is revolutionizing employee benefits, shifting from a "one-size-fits-all" model to a personalized, data-driven approach. Ping An Health Insurance recently completed the localization deployment of the DeepSeek model, expanding the intelligent applications of health insurance services. This collaboration integrates AI into three key areas: business development, health management, and self-service benefits platforms, strengthening the synergy between health insurance and medical services.

Enhancing Business Development with AI

AI plays a crucial role in improving the efficiency of insurance agents:

  • Intelligent Assistance: DeepSeek generates real-time professional consultation scripts, product introductions, and customized marketing plans.
  • AI-Powered Underwriting: Analyzing multi-dimensional medical reports, the AI provides underwriting recommendations, significantly shortening processing times.
  • Proactive Health Management: AI generates personalized exercise, diet, and medication plans based on dynamic client profiles, shifting the focus from post-claim responses to preventative healthcare.
Personalized Employee Health Management

Using AI-driven analysis across 128 employee data dimensions—including health characteristics, lifestyle, career development, and financial status—Ping An Health Insurance can:

  • Develop health risk heat maps to assess employee well-being.
  • Create customized insurance products that evolve with employees’ changing health conditions.
  • Configure tailored wellness plans to ensure employees receive continuous care and support.
Upgrading Employee Benefits Platforms with AI

To further personalize employee benefits, Ping An Health Insurance has introduced an AI-powered, points-based self-service platform, allowing companies to:

  • Adjust benefits offerings dynamically based on employee segmentation and claim history.
  • Use AI-driven analysis to refine insurance coverage and health management plans.
  • Enhance employee engagement and satisfaction, improving overall well-being and productivity.
The Future of AI in Employee Benefits

Looking ahead, Ping An Health Insurance remains dedicated to evolving employee benefits through AI technology. Key initiatives include:

  • Quarterly dynamic adjustments based on real-time employee feedback.
  • AI-driven personalization, ensuring benefits align with individual needs.
  • Enhanced risk management and cost efficiency, with AI-driven models improving outcomes by 30% over traditional systems.

This transformation marks more than just a shift in HR management—it represents a strategic investment in employee well-being. While AI applications in employee benefits are still evolving, Ping An Health Insurance is committed to collaborating with businesses to drive innovation, enhance employee satisfaction, and redefine workplace healthcare solutions.

Discover how AI-powered employee benefits can shape the future of workplace well-being with Ping An Health Insurance: Network Members - Insurope - Market leading insurers in group employee benefits across the globe.