Author: 陆俊融

感恩特区沃土，致敬廿载华章
安盛天平深圳分公司举办二十周年庆典
AXA Tianping Shenzhen Branch Celebrates Its 20th Anniversary

二十年深耕不止，安盛天平深圳分公司以亮眼业绩与全面保障献礼特区，开启综合财险服务新篇章。2025年9月17日，安盛天平财产保险有限公司深圳分公司（以下简称“安盛天平深圳分公司”）成立二十周年庆典在深圳举行。深圳市福田区金融服务和风险防控中心主任王蓉等政府代表，安盛大中华区、安盛天平管理层代表，以及深圳保险经代渠道伙伴等业界同仁出席，共同见证这一里程碑时刻。

立足特区，引领高质量发展

自2005年扎根深圳，安盛天平深圳分公司历经二十年发展，已成为当地保险市场的中坚力量。分公司2025年上半年整体保费收入同比增长13.2%，人均产能同比增长27.7%，经营利润同比增长319.04万元。业绩高增长的背后，是深圳分公司执行集团坚定看好中国发展前景、拥抱战略转型、与合作伙伴聚力前行，以及始终坚持做客户长期“陪伴者”的承诺。

借助深圳巨大的市场潜力和稳定的政策支持，安盛天平深圳分公司敏锐把握市场机遇，在集团与总公司的资源赋能下，成功实现了业务结构的优化升级。

历经近三年的战略转型，分公司已从一家依靠单一车险业务的财产险公司，稳步成长为一家国际化、专业化、多元化的综合财产险公司。健康险、商业险和意外险等非车类险种构成了分公司新的核心增长极。2025年上半年，非车险保费占比已突破58%，利润贡献占比高达71%，标志着分公司成功实现了规模、效益与价值的同步跨越。

践行使命，从赔付者到陪伴者

随着今年4月，安盛天平与福田区政府签署战略合作协议。双方将围绕支持本地企业出海、提升民生保障水平等方向展开深度合作，助力福田区打造具有全球重要影响力的产业金融中心核心区，推动金融业高质量发展。

安盛天平深圳分公司深刻理解保险的服务本质，积极践行从“赔付者”到“陪伴者”的理念。在健康险领域，分公司业务持续稳定盈利，核心渠道占有率超过50%。近三年来，累计为客户提供近50万人次保障，总保障金额超过万亿元。

在服务国家“走出去”战略方面，分公司立足深圳电子信息、新能源等支柱产业特色，成为多家本地知名车企和电子通信行业领军企业的重要金融合作伙伴，精准把握中国企业出海的时代机遇、产品特性与出海场景。其货运险业务积极支持比亚迪、VIVO等中国大型企业海外拓展，近三年累计提供风险保障近两亿元。

通过构建诊-疗-康三位一体的保障体系，“卓越馨选2025”提供了可选零免赔的创新方案。产品开放住院外购药责任内最高100%赔付，覆盖280+种特效药，并将质子重离子、靶向治疗等先进疗法的赔付上限提升至600万元，还突破性地将包含ECMO的耐用医疗设备、手术植入器材费纳入报销范围。

服务方面，该产品实现了门诊/住院绿通服务突破重疾限制，新增门诊陪诊、入院陪诊等4项增值服务，打造“诊前、诊中、诊后”全周期健康管理闭环。而创新推出的“馨选无忧”计划，突破亚健康非标体保障限制，并首创初次投保后，不间断重新投保3次即可承担责任内既往症。

寄语未来，携手共进

成立20年，立足深圳，巨大的市场潜力、稳定的政策支持以及集团与总公司强大的资源及专业能力，让安盛天平深圳分公司感受到了强大的活力与机遇。

安盛天平首席执行官左伟豪表示，深圳分公司二十年来的发展成就，是安盛天平在中国市场深耕细作的缩影。“深圳作为中国改革开放的前沿阵地，其创新精神和开放氛围与安盛天平的企业理念高度契合。“他强调，未来将继续依托集团全球资源与洞察，支持深圳分公司为客户提供更创新、更专业的保险产品与服务，与合作伙伴们一道以信共赢、向远而行。

For twenty years, AXA Tianping Shenzhen Branch has continuously deepened its roots, dedicating impressive performance and comprehensive protection to the Special Zone, and opening a new chapter in integrated property and casualty insurance services. On September 17, 2025, the 20th-anniversary celebration of AXA Tianping Property & Casualty Insurance Co., Ltd. Shenzhen Branch (hereinafter referred to as “AXA Tianping Shenzhen Branch”) was held in Shenzhen. Government representatives, including Wang Rong, Director of the Futian District Financial Services and Risk Prevention Center, management representatives from AXA Greater China and AXA Tianping, as well as industry peers from Shenzhen’s insurance brokerage and agency channels attended the event, collectively witnessing this milestone moment.

Rooted in the Special Zone, Leading High-Quality Development

Since establishing its roots in Shenzhen in 2005, AXA Tianping Shenzhen Branch has developed over twenty years into a mainstay of the local insurance market. In the first half of 2025, the Branch achieved a 13.2% year-on-year increase in total premium income, a 27.7% year-on-year increase in per capita productivity, and an increase in operating profit of 3.1904 million RMB compared to the same period last year. Behind this high growth performance lies the Branch’s execution of the Group’s firm confidence in China’s development prospects, its embrace of strategic transformation, its collaborative progress with partners, and its unwavering commitment to being a long-term “companion” to customers.

Leveraging Shenzhen’s vast market potential and stable policy support, and empowered by resources from the Group and Headquarters, AXA Tianping Shenzhen Branch has keenly seized market opportunities and successfully achieved the optimization and upgrading of its business structure.

After nearly three years of strategic transformation, the Branch has steadily evolved from a P&C insurer reliant solely on motor insurance into an international, professional, and diversified comprehensive P&C insurer. Non-motor insurance lines such as Health, Commercial, and Accident insurance have become the new core growth drivers for the Branch. In the first half of 2025, the proportion of non-motor premiums exceeded 58%, contributing 71% of the profit, marking the Branch’s successful leap forward in scale, efficiency, and value simultaneously.

Fulfilling the Mission: From Payer to Partner

Following the signing of a strategic cooperation agreement between AXA Tianping and the Futian District Government in April this year, the two parties will engage in in-depth collaboration focused on supporting local enterprises in going global and enhancing the level of public livelihood protection. This cooperation aims to assist Futian District in building a core district for an industrial financial center with significant global influence and promote the high-quality development of the financial industry.

AXA Tianping Shenzhen Branch deeply understands the service nature of insurance and actively practices the philosophy of transitioning from a “Payer” to a “Partner.” In the health insurance sector, the Branch’s business continues to achieve stable profitability, with a core distribution market share exceeding 50%. Over the past three years, it has provided coverage for nearly 500,000 customer instances cumulatively, with a total sum insured exceeding one trillion RMB.

In serving the national “Going Global” strategy, the Branch, based on the characteristics of Shenzhen’s pillar industries such as electronic information and new energy, has become an important financial partner for several leading local automotive companies and prominent players in the electronics and communication industry. It precisely seizes the era’s opportunities, product characteristics, and scenarios for Chinese enterprises expanding overseas. Its cargo insurance business actively supports the overseas expansion of major Chinese enterprises like BYD and VIVO, providing nearly 200 million RMB in risk coverage cumulatively over the past three years.

Through building a tripartite guaranteed system of diagnosis-treatment-recovery, the “2025 IP-OP” product offers an innovative optional zero-deductible plan. The product provides up to 100% coverage for eligible external hospital purchase drugs, covers 280+ types of specialty medications, and raises the coverage limit for advanced therapies like proton heavy ion and targeted therapy to 6 million RMB. It also breakthrough includes durable medical equipment (including ECMO) and surgical implant costs in the reimbursement scope.

Regarding services, this product has removed critical illness restrictions for outpatient/inpatient green channel services, adding four value-added services such as outpatient accompaniment and hospitalization accompaniment, creating a full-cycle health management closed loop covering “pre-diagnosis, during diagnosis, and post-diagnosis.” The innovatively launched “Worry-Free” plan breaks through the coverage limitations for sub-healthy and non-standard individuals, and pioneered covering pre-existing conditions within the policy terms after three consecutive renewals following the initial enrollment.

Messages for the Future, Advancing Together

Having been established for 20 years and rooted in Shenzhen, the immense market potential, stable policy support, and the strong resources and professional capabilities of the Group and Headquarters have allowed AXA Tianping Shenzhen Branch to experience great vitality and opportunity.

AXA Tianping CEO, Kevin Chor, stated that the development achievements of the Shenzhen Branch over the past twenty years are a microcosm of AXA Tianping’s meticulous cultivation in the Chinese market. “Shenzhen, as the forefront of China’s reform and opening-up, embodies an innovative spirit and open atmosphere that highly aligns with AXA Tianping’s corporate philosophy,” he emphasized. He added that the future will continue to rely on the Group’s global resources and insights to support the Shenzhen Branch in providing more innovative and professional insurance products and services to customers, working with partners to win with trust and move forward towards a distant horizon.

安盛天平风险综合评级首获AA级，稳健经营迈入新阶段
AXA Tianping Achieves First-Ever AA Rating in Risk Comprehensive Rating, Ushering in a New Stage of Prudent Operation

近日，安盛天平财产保险有限公司在国家金融监督管理局公布的2025年第二季度保险公司风险综合评级中，首次荣获AA级评价。这一突破性成绩标志着安盛天平风险管理能力已跃升至行业领先水平，成为公司发展历程中的重要里程碑。

风险综合评级作为我国偿二代监管体系下衡量保险公司偿付能力风险的核心评价指标，全面反映公司在资本充足状况及其他偿付能力风险方面的整体表现。此次获得AA级评价，体现了监管机构对安盛天平在偿付能力充足率、操作风险、战略风险、声誉风险及流动性风险管控方面的高度认可。

与此同时，安盛天平也获得国际权威评级机构穆迪首次授予的A2保险财务实力评级，展望为“稳定”。穆迪在评级报告中指出，A2评级肯定了安盛天平作为安盛集团在华全资子公司的核心优势，包括高度审慎的投资策略、极低的资产风险水平、全面的集团风险管理框架以及广泛的再保险安排，共同构筑了公司稳健的财务基础和运营韧性。

安盛天平长期秉持稳健经营理念，依托法国安盛集团的先进管理经验，在首席执行官左伟豪的带领下，持续推进战略转型，精耕细作推动高质量发展。公司积极把握中国改革开放带来的机遇，成功实现了从单一业务结构向多元化发展的优化升级。同时，安盛天平将风险管理制度建设贯穿于经营决策的各个环节，通过强化风险指标管理、优化业务流程，构建了全面的风险管理体系。

作为中国境内规模最大、业务最多元的外商独资财险公司之一，安盛天平在全国设有25家分公司，服务超400万中国家庭及商务客户。公司还积极推动安盛集团与中国人民保险集团达成战略合作，打造“走出去”平台，深度参与国家战略，持续把握中国金融市场开放与高质量发展的历史机遇。

Recently, AXA Tianping Property & Casualty Insurance Co., Ltd. achieved an AA rating for the first time in the Risk Comprehensive Rating of insurance companies for the second quarter of 2025, announced by the National Financial Regulatory Administration. This breakthrough signifies that AXA Tianping’s risk management capabilities have risen to a leading industry level, marking an important milestone in the company’s development journey.

The Risk Comprehensive Rating is a core evaluation indicator within China’s Solvency II regulatory framework for measuring the solvency risks of insurance companies. It comprehensively reflects a company’s overall performance in capital adequacy and other solvency-related risks. Achieving the AA rating demonstrates the regulatory authority’s high recognition of AXA Tianping’s management in areas including solvency adequacy ratio, operational risk, strategic risk, reputational risk, and liquidity risk.

Concurrently, AXA Tianping also received an A2 insurance financial strength rating from the internationally authoritative rating agency Moody’s, also for the first time, with a “stable” outlook. In its rating report, Moody’s highlighted that the A2 rating affirms the core advantages of AXA Tianping as a company fully owned by AXA Group in China. These advantages include a highly prudent investment strategy, a very low level of asset risk, a comprehensive group-wide risk management framework, and extensive reinsurance arrangements, which collectively build the company’s solid financial foundation and operational resilience.

Guided by a philosophy of prudent operation, AXA Tianping leverages its group sophistication and global expertise. Under the leadership of CEO Mr. Kevin Chor, the company continuously promotes strategic transformation and drives high-quality development through meticulous efforts. Actively seizing opportunities presented by China’s reform and opening-up, the company has successfully optimized and upgraded from a single business structure to diversified development. Furthermore, AXA Tianping integrates risk management system development into all aspects of its operational decision-making, establishing a comprehensive risk management system by strengthening risk indicator management and optimizing business processes.

As one of the largest and most diversified foreign-funded P&C insurance companies in China, AXA Tianping operates 25 branches across the country, serving over 4 million Chinese families and commercial clients. The company is also actively facilitating strategic cooperation between the AXA Group and the People’s Insurance Company (Group) of China (PICC Group), creating a “Going Global” platform, deeply participating in national strategies, and continuously capitalizing on the historic opportunities presented by the opening-up and high-quality development of China’s financial market.

硕果盈枝，同心同行 | 安盛天平连获雇主品牌、普惠创新与AI治理三项殊荣
AXA Tianping Secures Three Honors in Employer Branding, Inclusive Innovation, and AI Governance

近期，安盛天平在多元包容、人工智能与战略转型三大领域接连收获权威认可，连续第三年荣获“多元公平包容大奖”，并于FiNAI峰会斩获“人工智能数据治理奖”，展现出公司在文化建设、技术融合与高质量发展上的综合实力。

8月25日，安盛天平再次荣获“多元公平包容大奖”。该奖项以员工真实体验为核心，旨在推动企业从“单向包容”走向“共创归属”，公司通过持续优化员工福利、职场环境与职业发展体系，围绕“发现潜能，推动进步”的价值主张，不断营造具有高度归属感的组织氛围。

9月26日于北京举办的“2025中国普惠金融国际论坛”上，公司凭借“员工福利保障计划”荣获“普惠金融产品创新奖”。该产品针对小微企业员工保障不足的痛点，突破传统核保与定价限制，以“合作伙伴”生态模式将保险嵌入主营业务场景，有效提升了普惠保险的覆盖广度与服务深度。此外，安盛天平还积极参与多地“惠民保”项目，并与中国人民大学中国普惠金融研究院等机构合作开展中低收入家庭金融健康研究，为推动普惠保险高质量发展提供了有力支撑。

10月23日，“FiNAI金融人工智能峰会”在上海成功举办。安盛天平凭借在AI数据治理方面的卓越表现，荣获“人工智能数据治理奖”，公司首席运营官兼首席数据官余健光受邀分享在AI模型构建、中台建设、智能文档处理等方面的实践成果，面对AI技术的快速发展，安盛天平正持续深化技术融合，为业务高效发展与智能化转型注入新动力。

多项荣誉的背后，是安盛天平在科技驱动、员工关怀与社会责任方面的持续投入与创新实践。未来，公司将继续以长期理念深耕中国市场，在高质量发展的道路上坚定前行。

Recently, AXA Tianping has gained authoritative recognition across three key areas—diversity & inclusion, artificial intelligence, and strategic transformation. For the third consecutive year, the company was honored with the “Diversity, Equity & Inclusion Award,” and it also received the “AI Data Governance Award” at the FiNAI Summit. These accolades highlight AXA Tianping’s comprehensive capabilities in corporate culture building, technology integration, and high-quality development.

On August 25, AXA Tianping was again awarded the “Diversity, Equity & Inclusion Award.” This award places a strong emphasis on employees’ genuine experiences and aims to help companies shift from “one-way inclusion” to “co-creating a sense of belonging.” By continuously enhancing employee benefits, the workplace environment, and career development systems, and guided by its value proposition of “Discovering Potential, Driving Progress,” the company has been steadily fostering an organizational atmosphere marked by a strong sense of belonging.

At the “2025 China Inclusive Finance International Forum” held in Beijing on September 26, the company received the “Inclusive Finance Product Innovation Award” for its “Employee Benefits Protection Plan.” This product addresses the common issue of insufficient protection for employees of small and micro enterprises by breaking through traditional underwriting and pricing constraints. Through a “partnership” ecosystem model, it embeds insurance into core business scenarios, effectively expanding the reach and deepening the service impact of inclusive insurance. In addition, AXA Tianping has actively participated in multiple “Huiminbao” (city-sponsored commercial health insurance) projects across the country and collaborated with institutions such as the China Institute for Inclusive Finance at Renmin University of China to conduct research on the financial health of middle- and low-income families. These efforts provide strong support for promoting the high-quality development of inclusive insurance.

On October 23, the “FiNAI Financial Artificial Intelligence Summit” was successfully held in Shanghai. AXA Tianping was honored with the “AI Data Governance Award” in recognition of its outstanding performance in AI data governance. Mr. Philip Yu, Chief Operating Officer and Chief Data Officer of the company, was invited to share practical achievements in areas such as AI model construction, mid-platform development, and intelligent document processing. In the face of rapid AI technology advancement, AXA Tianping is continuously deepening its integration of technology to inject new momentum into efficient business development and intelligent transformation.

Behind these multiple honors lies AXA Tianping’s continuous investment and innovative practices in technology-driven strategies, employee care, and social responsibility. Moving forward, the company remains committed to the Chinese market with a long-term vision, steadfastly advancing on the path of high-quality development.

中法旅游交流推介会暨安盛天平境外旅游险新品发布会圆满举办
Sino-French Tourism Exchange Promotion Conference & AXA Tianping Overseas Travel Insurance New Product Launch Successfully Held

8月29日，“安心启程·智行天下”中法旅游交流推介会暨安盛天平境外旅游险新品发布会在重庆顺利举行。本次活动由重庆广电集团与安盛天平财产保险有限公司联合主办，汇聚了来自重庆市文旅委、法国旅游发展署、重庆市旅游协会，以及重庆保险销售和旅游行业的80多位业界同仁。活动以旅游为纽带、以保险为保障，结合重庆广播在出境游方面的资源与经验，为中法旅游交流注入新活力，进一步拓展了与合作伙伴的多元化协作。

安盛天平首席执行官左伟豪在致辞中表示，公司期待与重庆广播深化合作，通过在文旅保险创新和品牌推广方面的资源互补与联合探索，为游客打造更安心的旅行保障，共同助力重庆文旅市场焕发新活力，绘就中法文旅交流与融合发展的新蓝图。

重庆广播主持人在现场以“雄奇山水，新韵重庆”为主题，将重庆独特的城市风貌与法国的文化艺术相连接，强调了深化中法文化旅游合作及提升旅行安全与便捷的核心目标。

活动现场，安盛天平发布了全新的境外旅游险产品，该产品针对出境游常见痛点，覆盖医疗、行程延误、紧急救援等多重保障，旨在为游客提供更加全面和及时的服务支持。

在圆桌讨论环节，嘉宾围绕“保险行业如何赋能”和“重庆境外旅游高质量发展”等议题展开交流，一致认为中法旅游应加强资源互补与服务升级，依托重庆的自然景观和法国的文化资源共同开发特色跨境线路，并以保险与应急服务为基础，构建更安全、更优质的旅游生态。

此次活动的成功举办，不仅为中法文旅交流搭建了新平台，也体现了“文旅+媒体+保险”跨界合作的创新实践。未来，各方将继续携手深化合作，共同推动重庆文旅资源的国际化传播与体验升级。

On August 29, the “Set Off with Peace of Mind · Travel the World Intelligently” Sino-French Tourism Exchange Promotion Conference & AXA Tianping Overseas Travel Insurance New Product Launch was successfully held in Chongqing. The event was jointly hosted by Chongqing Radio and Television Group (CQBG) and AXA Tianping Property & Casualty Insurance Co., Ltd. It brought together over 80 industry peers from the Chongqing Municipal Culture and Tourism Commission, A tout France (France Tourism Development Agency), the Chongqing Tourism Association, as well as the insurance sales and tourism sectors of Chongqing. Using tourism as a bond and insurance as a safeguard, and leveraging CQBG’s resources and experience in outbound travel, the event injected new vitality into China-France tourism exchanges and further expanded diversified cooperation with partners.

In his speech, Kevin CHOR, CEO of AXA Tianping, expressed the company’s aspiration to deepen cooperation with CQBG. Through resource complementarity and joint exploration in cultural tourism insurance innovation and brand promotion, they aim to create more reassuring travel protection for tourists, jointly help revitalize Chongqing’s cultural tourism market, and draw a new blueprint for the exchange, integration, and development of Sino-French cultural tourism.

On site, a host from Chongqing Radio connected Chongqing’s unique urban landscape with French culture and art under the theme “Majestic Landscapes, New Charm of Chongqing,” emphasizing the core goals of deepening China-France cultural tourism cooperation and enhancing travel safety and convenience.

During the event, AXA Tianping launched a new overseas travel insurance product. Designed to address common pain points of outbound travel, it provides multiple layers of coverage including medical expenses, trip delays, and emergency rescue, aiming to offer tourists more comprehensive and timely service support.

In the roundtable discussion session, guests exchanged views on topics such as “How the Insurance Industry Can Empower Tourism” and “High-Quality Development of Outbound Tourism from Chongqing.” They unanimously agreed that China and France should strengthen resource complementarity and service upgrades, jointly develop characteristic cross-border routes leveraging Chongqing’s natural landscapes and France’s cultural resources, and build a safer, higher-quality tourism ecosystem based on insurance and emergency services.

The successful hosting of this event not only established a new platform for Sino-French cultural and tourism exchanges but also demonstrated an innovative practice of cross-sector collaboration integrating “Culture & Tourism + Media + Insurance.” In the future, all parties will continue to work hand in hand to deepen cooperation and jointly promote the international dissemination of Chongqing’s cultural tourism resources and the upgrade of travel experiences.

亲爱的安盛天平同事，

2025年已悄然过半，此次机构年中工作会议在贵阳圆满召开，既是对上半年奋斗历程的回首，更是为下半年新征程的开启凝聚共识、明确方向。

回顾上半年，安盛天平取得了令人振奋的经营业绩。2025年上半年公司实现监管口径下净利润4100万，同比改善8300万。与此同时，公司治理能力持续提升，截至2024年四季度公司风险评级IRR为BBB，截至2025年二季度公司综合偿付能力充足率达到229.13%。

成绩属于过去，未来更需努力。本次会议务实高效，围绕“调结构、稳利润、促增长”三大目标，各业务条线、渠道及中后台部门从业绩达成、成本优化、数字化转型、风控合规、客户体验等多维度展开深入研讨，进一步统一思想、明确打法。尤其令人振奋的是，“星火转型”项目已累计收集60余项机构子项目，山东、江苏、广西等机构在新能源车险、健康险成本管控、二手车业务拓展等方面取得实质性突破，展现出全员拥抱变革、勇于创新的转型氛围，为全年目标的实现注入强劲动能。

下半年，安盛将持续优化业务结构，提升非车险占比，深化渠道分类与数字化运营，严守风险底线，推动精细化管理和降本增效。希望各机构、各部门紧紧围绕客户中心，强化总分协同与资源共享，将“星火转型”落到实处，共同夯实可持续增长的基础。

这一切都证明，安盛是一支能打仗、能打胜仗的队伍。任务艰巨、挑战仍在，只要保持战略定力，坚守转型信念，同心同德、扎实行动，必能圆满完成全年目标，推动安盛天平在高质量发展道路上续写新篇！

Dear  Colleagues,

The first half of 2025 drew to a close with the successful Mid-Year Work Conference taken place in Guiyang. This pivotal gathering not only provided a platform to review on the efforts and achievements made in the first half of the year but also galvanized collective resolve, charting a strategic course for the endeavors ahead in the second half of the year.

Looking back on the first half of 2025, AXA Tianping delivered highly encouraging business results. The company achieved a net profit of RMB 41 million as per local regulatory standards, representing an improvement of RMB 83 million year-on-year. At the same time, corporate governance capabilities continued to strengthen: as of Q4 2024, the company’s IRR risk rating was upgraded to BBB, and by Q2 2025, the solvency ratio had risen to 229.13%.

As we transition from the past accomplishments to future challenges, this conference served as a catalyst for action, advancing our three strategic pillars: “structure optimization, profits stabalization, and growth acceleration.” Business lines, distributions, and operational units engaged in rigorous reviews of critical levers, including performance excellence, cost optimization, digital transformation, risk control and compliance, and customer experience. The Xinghuo Transformation particularly has galvanized grassroots innovation, collecting over 60 sub-proposals from branches. Branches in Shandong, Jiangsu, Guangxi, and others have made substantial breakthroughs in areas such as new energy auto insurance, health insurance cost control, and used car business expansion, demonstrating a company-wide culture embracing change and innovation, injecting strong momentum into achieving our annual goals.

In the second half of the year, AXA will intensify efforts in optimizing business portfolio, with a strategic focus on expanding non-motor offerings to diversify revenue streams and enhance resilience. We will advance distribution specialization and accelerate digital transformation to elevate operational efficiency and customer experience, while rigorously upholding risk management frameworks.

All of this proves that AXA is a team capable of fighting and winning battles. The tasks are arduous and challenges remain, but as long as we maintain strategic focus, adhere to our transformation beliefs, and work together with solid actions, we will undoubtedly achieve our annual goals and continue writing a new chapter of high-quality development for AXA Tianping!

---

---

安盛天平首席执行官 左伟豪
CEO of AXA Tianping Kevin Chor

亲爱的安盛天平同事，

2025年已悄然过半，此次机构年中工作会议在贵阳圆满召开，既是对上半年奋斗历程的回首，更是为下半年新征程的开启凝聚共识、明确方向。

回顾上半年，安盛天平取得了令人振奋的经营业绩。2025年上半年公司实现监管口径下净利润4100万，同比改善8300万。与此同时，公司治理能力持续提升，截至2024年四季度公司风险评级IRR为BBB，截至2025年二季度公司综合偿付能力充足率达到229.13%。

成绩属于过去，未来更需努力。本次会议务实高效，围绕“调结构、稳利润、促增长”三大目标，各业务条线、渠道及中后台部门从业绩达成、成本优化、数字化转型、风控合规、客户体验等多维度展开深入研讨，进一步统一思想、明确打法。尤其令人振奋的是，“星火转型”项目已累计收集60余项机构子项目，山东、江苏、广西等机构在新能源车险、健康险成本管控、二手车业务拓展等方面取得实质性突破，展现出全员拥抱变革、勇于创新的转型氛围，为全年目标的实现注入强劲动能。

下半年，安盛将持续优化业务结构，提升非车险占比，深化渠道分类与数字化运营，严守风险底线，推动精细化管理和降本增效。希望各机构、各部门紧紧围绕客户中心，强化总分协同与资源共享，将“星火转型”落到实处，共同夯实可持续增长的基础。

这一切都证明，安盛是一支能打仗、能打胜仗的队伍。任务艰巨、挑战仍在，只要保持战略定力，坚守转型信念，同心同德、扎实行动，必能圆满完成全年目标，推动安盛天平在高质量发展道路上续写新篇！

Dear  Colleagues,

The first half of 2025 drew to a close with the successful Mid-Year Work Conference taken place in Guiyang. This pivotal gathering not only provided a platform to review on the efforts and achievements made in the first half of the year but also galvanized collective resolve, charting a strategic course for the endeavors ahead in the second half of the year.

Looking back on the first half of 2025, AXA Tianping delivered highly encouraging business results. The company achieved a net profit of RMB 41 million as per local regulatory standards, representing an improvement of RMB 83 million year-on-year. At the same time, corporate governance capabilities continued to strengthen: as of Q4 2024, the company’s IRR risk rating was upgraded to BBB, and by Q2 2025, the solvency ratio had risen to 229.13%.

As we transition from the past accomplishments to future challenges, this conference served as a catalyst for action, advancing our three strategic pillars: “structure optimization, profits stabalization, and growth acceleration.” Business lines, distributions, and operational units engaged in rigorous reviews of critical levers, including performance excellence, cost optimization, digital transformation, risk control and compliance, and customer experience. The Xinghuo Transformation particularly has galvanized grassroots innovation, collecting over 60 sub-proposals from branches. Branches in Shandong, Jiangsu, Guangxi, and others have made substantial breakthroughs in areas such as new energy auto insurance, health insurance cost control, and used car business expansion, demonstrating a company-wide culture embracing change and innovation, injecting strong momentum into achieving our annual goals.

In the second half of the year, AXA will intensify efforts in optimizing business portfolio, with a strategic focus on expanding non-motor offerings to diversify revenue streams and enhance resilience. We will advance distribution specialization and accelerate digital transformation to elevate operational efficiency and customer experience, while rigorously upholding risk management frameworks.

All of this proves that AXA is a team capable of fighting and winning battles. The tasks are arduous and challenges remain, but as long as we maintain strategic focus, adhere to our transformation beliefs, and work together with solid actions, we will undoubtedly achieve our annual goals and continue writing a new chapter of high-quality development for AXA Tianping!

---

---

安盛天平首席执行官 左伟豪
CEO of AXA Tianping Kevin Chor

安盛天平第三届菁才俱乐部高峰会
-安盛武林大会圆满举行
AXATP 3rd Elite Sales Club Summit successfully convened in Guiyang

2025年7月29日，安盛天平第三届菁才俱乐部高峰会-“安盛武林大会”在筑城贵阳成功举办，本次荣誉盛典共汇聚了90多名全国菁才，既有在前线执掌将印的三级机构负责人、直销部区经理，也有冲锋破阵的各位销售菁才，同时也邀请安盛天平的多位重量级嘉宾莅临见证，包括：安盛天平首席执行官左伟豪、副总经理兼首席渠道管理和销售官周连成、总经理助理兼首席理赔和客服官阳勇、总经理助理兼总精算师兼首席定价官殷兆男、总经理助理兼首席商业险业务官曾翔、首席健康险业务官丁侃、首席人力资源官杜楠、首席运营官兼首席数据官余健光、首席市场营销官兼总经理办公室主任戴思远、A区总经理王辉、B区总经理张晓宇、直销中心总经理曹红菊以及所有二级机构负责人。更有多位总公司、分支机构的领导也出席本次盛典。

旌旗飞扬，盛典启幕

上届菁才俱乐部荣誉会长王祥登台交还会旗的瞬间，全场掌声雷动，将氛围推向第一个高潮。

开场视频同步回顾 2024 年公司经营佳绩与菁才俱乐部发展历程，正式宣告这场荣誉盛宴的开启。​

副总经理周连成在致辞中表示：”年中工作会议已为发展指明方向，在左总带领下，凭借总分联动的战略布局与销售铁军的攻坚能力，安盛必将破浪前行，续写行业传奇。” 铿锵话语中传递出对团队的信任与对未来的笃定。

英雄辈出，荣耀加冕

 Honors and Awards 表彰环节中，系列视频生动再现各 “门派” 菁英的年度战绩。从 “少林” 客户经理的沉稳内功到 “峨眉” 坐席的破局话术，从 “武当” 非车险客户经理的专业积累到 “逍遥” 管理者的领航能力，每段事迹都赢得满堂喝彩。

压轴环节当属揭晓第三届菁才俱乐部会长归属 —— 山东济南中支马春辉历经全年角逐摘得桂冠。与第二届荣誉盟主、现任山东滨州中支总经理王祥共同接受左伟豪首席执行官的颁奖，同时，通过象征着安盛精神、俱乐部最高荣耀的会旗传递，来定格下年度传承的瞬间，成为安盛团队精神的鲜活注脚。​

获奖代表分享环节同样亮点纷呈，包括“少林”柳志鹏、“峨眉”李玉梅、“崆峒”刘树成、“武当”的何毅、“华山”路文鹏、“群侠”殷朋、“天山”蒙欢婷、“全真”顾宗飞、“五绝”袁雯婷、“逍遥”甯林以及“六扇门”曹骏等多位菁才发表获奖感言。他们从不同的角度分享了成功的经验与心得，不仅极大鼓舞了在场的销售精英，更将这些实战智慧转化为驱动公司未来发展的宝贵策略。

展望未来，携手前行

首席执行官左伟豪在闭幕致辞中强调：”安盛的每一步跨越都源于全体同仁的并肩奋斗。未来我们将坚守“以客户为中心”的初心，以创新驱动发展，以卓越铸就品牌，与所有伙伴共赴新征程。”​

颁奖典礼后启幕的荣誉晚宴流光溢彩，举杯同庆的欢声笑语中，幸运抽奖环节不断爆出惊喜。这场融合荣誉表彰与情感联结的盛会，最终在对未来的共同期许中圆满收官。​

荣光见证过往，征途通向远方。带着这份沉甸甸的认可，安盛销售菁才必将以更昂扬的姿态砥砺深耕，在行业浪潮中续写属于安盛的崭新传奇。

On July 29, 2025, “AXA Tianping 3^rd  Elite sales Club Summit – “AXA Wulin Conference” was successfully held in Guiyang, Guizhou Province. This honorary ceremony gathered more than 90 elite talents, including heads of elite sub-branch and elite managers of the direct center departments, as well as various sales elites who charge forward courageously. Distinguished guests from AXA Tianping graced the occasion, including: Kevin CHOR, Chief Executive Officer of AXATP; Liancheng ZHOU, Chief Distribution Officer; Yong Yang, Chief Claim and Customer Service Officer; Scott Yin, Chief Actuarial Officer; Shaw Zeng, Chief Commercial Business Officer; Fred Ding, Chief Health Business Officer; Nan Du, Chief Human Resources Officer; Philip Yu, Chief Operation Officer; Siyuan Dai, Chief Marketing Officer; Hui Wang, General Manager of Cluster A; Xiaoyu Zhang, General Manager of Cluster B; Hongju Cao, General Manager of Direct Center.

Event Opening

At 3:30 PM, as the warm-up music began, the conference officially commenced. Amidst the stirring melody, sales elites formed distinctive ” sets ” based on their business areas and honor systems, entering the venue under the leadership of the “the president of the Elite Sales Club,” flags waving proudly, demonstrating the spirit of a disciplined team.

The moment when Wang Xiang, the honorary president of the previous Elite Club, returned the flag to the stage, the audience erupted into thunderous applause, pushing the atmosphere to its first climax.

The opening video reviewed the company’s excellent performance in 2024 and the development history of the Elite Club, officially marking the beginning of this prestigious event.

Mr. Zhou delivered an affectionate opening speech, in his speech: “The mid-year meeting has set the direction for development. Under the leadership of Kevin, with the strategic layout of headquarters and branches and the strong capabilities of the sales team, AXATP will surely forge ahead and continue to write the legend.” His words conveyed trust in the team and confidence in the future.

 Honors and Awards

During the award ceremony, a series of videos vividly showcased the annual achievements of the elites from various “sets.” From the calm and steady approach of the “Shaolin” motor sales manager to the breakthrough communication skills of the “Emei” customer service representatives, from the professional expertise of the “Wudang” non-motor sales manager to the leadership abilities of the “Xiaoyao” managers, every story received enthusiastic applause.

The highlight of the evening was the announcement of the new president of the third Elite Club – Ma Chunhui from Shandong Jinan, who emerged victorious after a year competition. He received the award alongside the second Elite Club honorary president and current general manager of Shandong Binzhou Branch, Wang Xiang, from Kevin. Through the passing of the club flag, symbolizing the spirit of AXATP and the highest honor of the club, this moment captured the annual succession and became a vivid testament to the spirit of the AXATP team.

The sharing session of outstanding representatives were equally impressive, featuring speeches from “Shaolin” Liu Zhipeng, “Emei” Li Yumei, “Kongtong” Liu Shucheng, “Wudang” He Yi, “Huashan” Lu Wenpeng, “Qunxia” Yin Peng, “Tianshan” Meng Huanting, “Quanzhen” Gu Zongfei, “Five Supreme” Yuan Wenting, “Xiaoyao” Ning Lin, and “SixShanmen” Cao Jun. They shared their success stories and insights from different perspectives, greatly inspiring the attending sales elites and transforming these practical wisdoms into valuable strategies for the future.

Moving Forward Together

At the end of the award ceremony, Mr. Kevin CHOR delivered a closing speech. He emphasized: “Every step forward at AXATP is made possible by the joint efforts of all colleagues. In the future, we will adhere to our mission of ‘customer first,’ drive development through innovation, build a brand with excellence, and embark on a new journey together with all partners.”

Following the award ceremony, the grand dinner was a dazzling affair, filled with joy and laughter. The lucky draw brought continuous surprises. This event, which combined honor recognition and emotional connection, concluded successfully with a shared vision for the future.

Glory witnesses the past, and the journey leads to the future. With this weighty recognition, the sales elites of AXATP will strive harder and deepen their efforts, continuing to write a new chapter of AXA’s legend in the industry.

安盛天平上海分公司乔迁虹口金融高地
十八周年司庆双喜临门启新程
AXA Tianping Shanghai Branch Relocates to Hongkou Financial Hub
Celebrating 18th Anniversary and a New Beginning

8月21日，安盛天平财产保险有限公司（以下简称“安盛天平”）上海分公司正式启用位于虹口区瑞虹企业天地1号楼19层的新职场。当天恰逢分公司成立18周年，虹口区政府相关领导、安盛天平管理层、工银安盛、渠道伙伴等嘉宾应邀出席“18周年暨新址启幕仪式”，共同见证了安盛天平拥抱区域经济新动能的里程碑时刻。

政企共启新章：北外滩金融圈再添国际化引擎

上午10时26分，在礼炮声中，虹口区服务业发展办公室副主任曹洁、虹口区金融服务中心主任解文才，与安盛天平首席执行官左伟豪、副总经理兼首席渠道管理和销售官周连成、工银安盛首席财务官兼网络安全官张涛及上海分公司总经理张晓宇共同为新职场揭幕。

图片说明：虹口区服务业发展办公室副主任曹洁（左三）、虹口区金融服务中心主任解文才（左二）、安盛天平首席执行官左伟豪（右三）、安盛天平副总经理周连成（右一）、工银安盛首席财务官兼网络安全官张涛（左一）及安盛天平上海分公司总经理张晓宇（右二）共同为上分新职场揭幕。

目前，虹口区已构建起“北外滩-瑞虹”双核金融生态圈，安盛天平的入驻将进一步强化区域国际化保险服务能级。区服务业发展办公室副主任曹洁在致辞中对安盛天平上海分公司搬迁至虹口表示热烈欢迎，并高度肯定了安盛天平的发展举措，希望未来双方深化合作，“同向而行”。

图片说明：虹口区服务业发展办公室副主任曹洁致辞

安盛天平首席执行官左伟豪表示，上海分公司迁址是结合集团战略与国家政策的重要决定。深度融入上海国际金融中心建设的同时，也深刻感受到了虹口区优越的营商环境。区内不仅产业基础深厚，企业云集，是保险创新和服务客户的沃土；各级政府部门更是给予企业全方位的周到服务，从最初的选址沟通到落地推进，每一步都体现了虹口效率与温度。

图片说明：安盛天平首席执行官左伟豪致辞

此次乔迁既是上海分公司新征程的起点，也是与虹口区域经济共赢发展的良好开端。安盛天平将充分发挥集团在全球再保险和风险减量方面的资源优势，持续践行“风险守护者”角色，通过产品创新与服务升级，为区内企业提供风险保障支持，赋能区域产业升级，为上海国际金融中心建设贡献力量。

图片说明：虹口区服务业发展办公室副主任曹洁（右）、安盛天平首席执行官左伟豪（左）及安盛天平上海分公司总经理张晓宇（中）共切纪念蛋糕，见证“甜蜜新起点”

On August 21, the Shanghai Branch of AXA Tianping Property & Casualty Insurance Co., Ltd. (hereinafter referred to as “AXA Tianping”) officially opened its new office located on the 19th floor of Building 1, Ruihong Enterprise World in Hongkou District. The day also marked the branch’s 18th anniversary. Government officials from Hongkou District, members of AXA Tianping’s management team, representatives from ICBC-AXA, and channel partners attended the “18th Anniversary & New Office Opening Ceremony,” witnessing this milestone moment as AXA Tianping embraces new regional economic opportunities.

North Bund，new Financial Avenue for the Government and Enterprise

At 10:26 a.m., amidst the sound of ceremonial firecrackers, Cao Jie, Deputy Director of the Hongkou District Service Industry Development Office, Xie Wencai, Director of the Hongkou District Financial Service Center, along with AXA Tianping Mr. Kevin CHOR, Deputy General Manager and Chief Channel Management & Sales Officer Zhou Liancheng, ICBC-AXA CFO and Cybersecurity Officer Zhang Tao, and Shanghai Branch General Manager Zhang Xiaoyu jointly unveiled the new office.

Caption: Cao Jie (third from left), Deputy Director of the Hongkou District Service Industry Development Office; Xie Wencai (second from left), Director of the Hongkou District Financial Service Center; Kevin CHOR,(third from right), CEO of AXA Tianping; Zhou Liancheng (first from right), Deputy General Manager of AXA Tianping; Zhang Tao (first from left), CFO and Cybersecurity Officer of ICBC-AXA; and Zhang Xiaoyu (second from right), General Manager of AXA Tianping Shanghai Branch, jointly unveil the new office.

Hongkou District has established a dual-core financial ecosystem centered on the “North Bund-Ruihong” area. The entry of AXA Tianping will further enhance the district’s capacity for international insurance services. In her speech, Cao Jie, Deputy Director of the Hongkou District Service Industry Development Office, warmly welcomed AXA Tianping Shanghai Branch’s relocation to Hongkou and highly commended the company’s development initiatives. She expressed hope for deeper collaboration in the future, stating that both parties should “move forward together.”

Caption: Cao Jie, Deputy Director of the Hongkou District Service Industry Development Office, delivering a speech

AXA Tianping CEO Kevin CHOR stated that the relocation of the Shanghai Branch was a significant decision aligned with the group’s strategy and national policies. While deeply integrating into the development of Shanghai as an international financial center, the company has also experienced Hongkou District’s excellent business environment. The district boasts a solid industrial foundation and a concentration of enterprises, making it fertile ground for insurance innovation and customer service. Government departments at all levels have provided comprehensive and thoughtful support, from initial site selection discussions to implementation, reflecting Hongkou’s efficiency and warmth at every step.

Caption: AXA Tianping CEO Kevin CHOR delivering a speech

This relocation marks not only the beginning of a new journey for the Shanghai Branch but also a promising start for mutually beneficial development with Hongkou’s regional economy. AXA Tianping will leverage its group’s resources in global reinsurance and risk reduction to fulfill its role as a “risk guardian.” Through product innovation and service upgrades, the company will provide risk protection support for local enterprises, empower regional industrial upgrading, and contribute to the development of Shanghai as an international financial center.

Caption: Cao Jie (right), Deputy Director of the Hongkou District Service Industry Development Office; Kevin CHOR,(left), CEO of AXA Tianping; and Zhang Xiaoyu (center), General Manager of AXA Tianping Shanghai Branch, cut a commemorative cake together, symbolizing a “sweet new beginning.”

四度加冕！安盛天平摘得 “卓越保险数字化营销企业奖”
Four-Time Champion! AXA Tianping Wins “Outstanding Digital Marketing Enterprise in Insurance” Award

2025 年 7月18日， “第七届金保奖中国保险业数字化与人工智能发展大会”在上海举行。安盛天平财产保险有限公司（以下简称：安盛天平）凭借卓越的数字化转型成果，从众多竞争者中脱颖而出，荣膺”年度保险业数字化转型突破奖”。这已是安盛天平连续第四年斩获保险科技领域重要奖项，充分彰显了其在行业数字化变革中的标杆地位。

作为一家将保险科技创新深植于发展基因的企业，安盛天平始终将数字化转型作为企业发展的核心战略。通过持续的技术创新和场景应用，公司不仅重构了保险服务生态，更打造了以客户为中心的数字化服务体系，为行业树立了可借鉴的典范。

大会现场，安盛天平数字化营销总监黄蓓莹女士受邀发表主题演讲《数字化破局 半步领先：安盛天平数字化转型案例分享》。她从运营创新、营销创新和AI创新三大战略维度，深入解析了安盛天平的数字化转型路径，生动展示了公司在数字化平台建设、智能应用场景落地等方面的创新实践，为行业数字化转型提供了极具价值的参考范本。

从连续四年的荣誉加冕，到持续迭代的数字化实践，安盛天平正在用行动证明：保险的数字化不是冰冷的技术堆砌，而是让 “保障” 更懂人、更贴心的温暖进化。未来，这份对创新的坚持，还将继续驱动着安盛天平在数字化之路上稳步前行，为行业发展注入更多活力。

On July 18, 2025, The “7th Golden Insurance Awards China Insurance Industry Digitalization and AI Development Conference” was held in Shanghai. AXA Tianping Property & Casualty Insurance Co., Ltd. (hereinafter referred to as AXA Tianping) stood out among numerous competitors and was honored with the “Annual Breakthrough in Digital Transformation Award in the Insurance Industry” for its outstanding achievements in digital transformation. This marks the fourth consecutive year that AXA Tianping has received a major award in the field of insurance technology, fully demonstrating its benchmark status in the industry’s digital transformation.

As a company deeply rooted in insurance technology innovation, AXA Tianping has always regarded digital transformation as a core pillar for its development. Through continuous technological innovation and scenario applications, the company has not only reshaped the insurance service ecosystem but also built a customer-centric digital service system, setting an exemplary model for the industry.

At the conference, Ms. Catherine Huang, Digital Marketing Director of AXA Tianping, was invited to deliver a keynote speech titled “Breaking Through with Digitalization: Half a Step Ahead – A Case Study of AXA Tianping’s Digital Transformation.” From the three strategic dimensions of operational innovation, marketing innovation, and AI innovation, she provided an in-depth analysis of AXA Tianping’s digital transformation journey. She vividly showcased the company’s innovative practices in digital platform construction and the implementation of intelligent application scenarios, offering a valuable reference model for the industry’s digital transformation.

From four consecutive years of accolades to continuously evolving digital practices, AXA Tianping is proving through action that digitalization in insurance is not about cold technological accumulation but a warm evolution that makes “protection” more understanding and caring. In the future, this commitment to innovation will continue to drive AXA Tianping steadily forward on its digital journey, injecting more vitality into the industry’s development.

安盛天平受邀参加第八届进博会开幕倒计时100天媒体集中采访活动
AXA Tianping Invited to Participate in Media Interview Event Marking 100-Day Countdown to the Opening of the 8th CIIE

2025年7月24日下午，第八届进博会开幕倒计时100天企业宣介会活动在洋山国贸中心举办。本次活动由中国国际进口博览会城市服务保障领导小组办公室主办的，临港管委会、临港集团、市委宣传部、市商务委、市政府新闻办等相关领导及40余家媒体参加了本次活动。

安盛天平财产保险有限公司公共事务及可持续发展助理总经理李思韬谈到，作为1999年进入中国的法国安盛集团在华全资子公司，安盛天平2023年首批入驻临港再保险功能区，已三次参与进博会，发展成为中国规模最大、业务最多元的外资财险公司之一，“深耕中国26年，我们一直坚定看好中国市场。” 作为中国金融业高水平对外开放的见证者、参与者和受益者，安盛天平始终不渝地担当桥梁与纽带，链接集团全球网络资源，深刻践行深耕中国的庄重承诺，全力服务国家发展大计。“携手”彰显我们合作共赢的赤诚姿态，“共创”定义我们擘画未来的坚实步伐。

未来，安盛天平仍将以赤子之心发挥深厚的国际化优势，依托进博会的广阔舞台与强劲纽带，成为中国对外开放进程中保驾护航的关键力量。我们将把握进博机遇，向全球同业热忱宣介上海国际再保险中心建设成果，携手各方同道，引金融活水精准浇灌实体经济沃土，充分彰显保险业作为经济“减震器”与社会“稳定器”的中流砥柱作用，为“稳外贸、稳外资”注入安盛担当，为中国高质量发展贡献安盛力量。

On the afternoon of July 24, 2025, the Enterprise Promotion Event for the 100-day countdown to the opening of the 8th China International Import Expo (CIIE) was held at the Yangshan International Trade Center. The event was hosted by the Office of the City Service Guarantee Leading Group for the China International Import Expo. Relevant leaders from the Lingang Administration Committee, Lingang Group, Municipal Publicity Department, Municipal Commission of Commerce, Municipal Government Information Office, as well as over 40 media outlets, attended the event.

Stephen, Assistant General Manager of Public Affairs and Sustainable Development at AXA Tianping Property & Casualty Insurance Co., Ltd., stated that as the wholly-owned subsidiary in China of the French AXA Group, which entered the Chinese market in 1999, AXA Tianping was among the first batch of companies to establish a presence in the Lingang Reinsurance Functional Zone in 2023. Having participated in the CIIE three times, the company has grown into one of China’s largest and most diversified foreign-funded property and casualty insurance companies. “With 26 years of deep cultivation in China, we have always maintained strong confidence in the Chinese market.”

Moving forward, AXA Tianping will continue to leverage its profound international advantages with unwavering dedication. By utilizing the broad platform and strong connections of the CIIE, the company aims to become a key force in safeguarding and facilitating China’s opening-up process. We will seize the opportunities presented by the CIIE to enthusiastically introduce the achievements of the Shanghai International Reinsurance Center to global industry peers. Joining hands with all parties, we will channel financial resources to precisely nurture the real economy, fully demonstrating the insurance industry’s role as an economic “shock absorber” and a social “stabilizer.” We will commit to “stabilizing foreign trade and foreign investment,” contributing AXA’s strength to China’s high-quality development.