Since the beginning of 2025, Yuanxin Huibao's commercial insurance intelligent agent group, developed based on its self-developed "Huibao Intelligent Agent Platform," has been gradually unveiled, propelling the insurance industry's full-process intelligent services to new heights. This group deeply integrates artificial intelligence, big data, and multimodal interaction technologies, covering core business scenarios such as product design, precision marketing, intelligent claims processing, customer service, and business training, achieving a full-chain closed loop of insurance services from "demand insight - risk pricing - service delivery - efficiency optimization."

In recent years, China's commercial health insurance market has continued to expand, but the industry has long faced challenges such as low service efficiency, high operational costs, and frequent fraud risks. Against this backdrop, leveraging the "medical-pharmaceutical-insurance" ecosystem resources of its parent company, Yuanxin Technology Group, Yuanxin Huibao has accelerated its AI strategic layout since 2023. In 2024, the "Huibao Intelligent Agent Platform" passed national algorithm filing and obtained invention patent certification. Its deep learning architecture and transfer learning capabilities have demonstrated outstanding performance in health insurance service scenarios, providing solid technical support for the large-scale application of the intelligent agent group.

Peng Xuan, CEO of Yuanxin Huibao, stated, "The commercial insurance intelligent agent group is not a simple tool upgrade but a reconfiguration of data flow and decision-making logic across the insurance value chain, enabling AI to truly become the core engine driving industry efficiency transformation."

Technological Foundation Upgrade: Multimodal Platform Constructs Intelligent Hub

The technological breakthroughs of the commercial insurance intelligent agent group stem from the continuous evolution of the "Huibao Intelligent Agent Platform." Compared to its initial version in early 2024, the new-generation intelligent agent platform has achieved three significant advancements:

1. Multimodal Data Processing Capabilities:

   Integrating text, voice, image, and structured data, the platform has constructed an industry knowledge graph covering 160,000 types of drugs, nearly 10,000 diseases, and 110 million historical insurance policies, enabling cross-modal information association analysis.

2. Dynamic Modeling Technology:

   Based on a real-time stream data processing framework, the platform has established dynamic evaluation and feedback models, enhancing the response speed of customer service, claims processing, and other services to the second level.

3. Compliance-Enhanced Reinforcement Learning Mechanism:

   By incorporating the national medical insurance rule library and insurance regulatory policy datasets, the platform ensures that AI decision-making complies with industry norms.

The technical team leader of Yuanxin Huibao revealed that the intelligent agent platform has processed over 1 billion insurance-related data entries, achieving an intent recognition accuracy rate of 98.7% in health insurance scenarios.

Full-Scenario Application Implementation: Five Intelligent Agents Reshaping Insurance Service Paradigms

The commercial insurance intelligent agent group released by Yuanxin Huibao consists of five core intelligent agents covering product marketing, claims processing, customer service, health management, and training, forming an intelligent solution that spans the entire insurance lifecycle:

1. Product Marketing Intelligent Agent: From Experience-Driven to Data-Driven

   Based on massive user health profiles, medication records, and claims data, the product marketing intelligent agent can combine user personas and big data analysis to not only help insurance companies achieve "personalized" product matching but also analyze customer consultation content in real-time and automatically match the best marketing strategies. This has led to a 40% increase in marketing conversion rates, facilitating precise product-user alignment.

2. Claims Processing Intelligent Agent: From Paper-Based Processes to Seamless Payments

   The claims processing intelligent agent can construct a seamless payment service system for "instant payment upon prescription." For specialty drug claims, for example, when a patient purchases medication at a Yuanxin Pharmacy with a prescription, the system automatically verifies the policy information and completes direct payment settlement, reducing the average claims processing cycle from 14 days to 2 hours. To date, Yuanxin Huibao has processed over 5 million claims using this intelligent agent, with automated processing accounting for 89%.

3. Customer Service Intelligent Agent: From Standardized Responses to Personalized Services

   Equipped with a multi-round dialogue engine and emotion recognition algorithms, the customer service intelligent agent can simultaneously handle complex scenarios such as health consultations, policy inquiries, and claims guidance, providing rapid responses to customer inquiries and 24/7 uninterrupted service, significantly shortening customer waiting times. The intelligent customer service agent "Huixiaobao," built on this platform, has processed over 1 million inquiries across more than ten inclusive insurance projects, providing personalized intelligent services covering the entire lifecycle of consultation, enrollment, and claims for the public. During peak periods, it can handle over 80% of customer service volumes, reducing user problem response times from minutes to seconds and significantly enhancing the customer service experience.

4. Health Management Intelligent Agent: From Single Question-Answering to Full-Cycle Health Management

   The health management intelligent agent can provide round-the-clock, full-scenario health management services. Breaking through the traditional question-answering mode, it integrates housekeeper-style functions such as health self-checks, medicine cabinet management, health preservation knowledge, and physical examination index interpretation. Through multi-round dialogue context analysis, it accurately identifies user needs and provides full-process advisory services from symptom judgment to medical treatment timing. Technically, the system can analyze complex test data such as blood routine and biochemical indicators within seconds and generate personalized health plans based on dynamic big data analysis, helping users efficiently manage their health conditions. Currently, this intelligent agent has been applied in cooperation scenarios such as China Resources Sanjiu Pharmaceutical, significantly enhancing user product conversion rates through personalized health services. The first intelligent health consultation product built by Fujian Mobile's权益商城 (Equity Mall)依托 (relying on) this intelligent agent processes over 10,000 health consultations daily, achieving a dual improvement in health service reach efficiency and user satisfaction.

5. Training Companion Intelligent Agent

   The training companion intelligent agent is an immersive practical training platform based on AI technology, providing realistic business training for marketing and customer service personnel. Through functional modules such as intelligent dialogue simulation, real-time feedback guidance (response time < 0.5 seconds), and multi-dimensional capability assessment, it helps reduce the adaptation period for practitioners by 75%, achieving seamless integration from "simulation drills" to "real-world applications."

The value of the commercial insurance intelligent agent group extends beyond single-point efficiency improvements; it lies in its ecological empowerment capabilities as an "industry new infrastructure." Looking ahead, Yuanxin Huibao will leverage the commercial insurance intelligent agent group as a fulcrum to continuously promote the deep integration of technology and insurance business, collaborating with partners to build a more inclusive, intelligent, and sustainable health security ecosystem.