Ping An LifeHub-Reimagining Insurance Distribution Through Everyday Health Qorus-NTT DATA Innovation in Insurance Awards 2026

China’s health and wellness industry has surpassed RMB 10 trillion in scale. Over 500 million people use health apps, wearable devices, and fitness trackers on a daily basis—health-conscious consumption has become a deeply ingrained habit. Yet within these high-frequency touchpoints, insurance remains virtually invisible. When consumers manage their diets, track workouts, or purchase wellness products, they never encounter insurance in a natural, contextual way. None of the traditional distribution channels—whether through agents, bancassurance, or community networks—have been able to embed themselves into customers’ daily health routines. The result is an enormous untapped distribution opportunity: 500 million people × 365 days of health engagement, with no insurance presence whatsoever.

Ping An LifeHub was purpose-built to fill this gap. It embeds insurance into customers’ everyday health routines, guided by a core principle: don’t sell insurance—serve health first. When health management is done well, protection needs surface naturally. Upon opening the platform, users see a daily health check-in dashboard featuring walking and running trackers, meal logging, AR-powered workouts, and more. The AI dietary management tool identifies food through photos and automatically analyzes nutritional content, while AR interactive workouts deliver lightweight, gamified fitness experiences that allow office workers to exercise without specialized equipment. Completing tasks earns reward coins redeemable for health-related benefits, keeping users engaged because the experience is genuinely enjoyable.

Behind these daily interactions, four AI Agents operate across the full value chain: they collect multi-dimensional user health data in real time, analyze and identify the right moments for protection needs, and embed insurance recommendations naturally at appropriate health management touchpoints. The AI equips agents with precise customer profiles and tailored communication strategies, completing the shift from “selling products” to “needs surfacing organically.”

LifeHub has successfully bridged the gap from “scene vacuum” to “new distribution frontier.” Over 21 million customers actively use its health management services, with active health service users generating 1.4× the average premiums of non-users and customer satisfaction consistently exceeding 98%. The impact on agent productivity is equally compelling: per-agent New Business Value (NBV) growth reached 43% in 2025, as AI-powered profiling and communication strategies helped agents transform from product salespeople into data-driven health advisory professionals, boosting both professional identity and service effectiveness. The deeper significance lies in a paradigm shift in distribution: LifeHub demonstrates that insurance can evolve from “a product that is pushed” to “a service that is sought.” By converting everyday health interactions into sustained insurance touchpoints, the platform has charted a sustainable growth path for the industry.