AntSurance
AI-powered online insurance brokerage platform embedded in Alipay, connecting partner insurers with hundreds of millions of users across China.
Overview
Ant Insurance (formerly branded as AntSurance) is Ant Group's internet insurance brokerage and technology platform, operating as the insurance layer within the Alipay super-app ecosystem. Originally focused on insuring e-commerce purchases on Alibaba's platforms, the business evolved into a comprehensive digital insurance marketplace connecting over 90 Chinese partner insurers with hundreds of millions of Alipay users. The platform offers more than 2,000 insurance products spanning health, life, accident, travel, auto, and property lines.
The company serves a dual role: acting as a licensed internet insurance agency for consumers while operating a B2B technology platform -- including the Xingyun digital operations suite and the Ant Bridge open platform -- that enables partner insurers to automate distribution, service, and claims processing. In 2024, AI-powered tools on the platform helped 11 partner insurers process 7.25 million health insurance claims, a 55% year-over-year increase, with total health claim payouts reaching RMB 9.2 billion (approximately USD 1.3 billion).
China's aging demographic -- projected to reach 30% of the population aged 60+ by 2035 -- is a major demand driver. Ant Insurance positions its technology stack to help partner carriers address this growing market at scale through AI-driven automation, personalized recommendations, and streamlined claims settlement.
Products & Services
GoldenChoice (Jinxuan)
AI-powered product comparison and recommendation tool using the Ant Insurance Multi-factor Model (AIMM). Allows users to set up to five criteria to compare competing policies and surface the best-fit products for their profile. Launched in 2022.
Key Features
- Multi-factor AI scoring of insurance products
- Personalized policy ranking for individual users
- Broad product catalog spanning health, life, accident, and travel insurance
Target Users: Individual consumers via Alipay
EasyPick
AI insurance planning assistant that creates personalized coverage recommendations for users. Designed to help users avoid over-buying or selecting coverage mismatched to their needs.
Key Features
- Personalized coverage gap analysis
- Guided product selection workflow
- Integrated with Alipay user profile and health data
Target Users: Individual consumers via Alipay
EasyClaims (Anxinpei)
AI-powered claims settlement service launched in 2022. Users submit claim documentation photos directly through Alipay. AI agents assess eligibility and process claims without human intervention for the majority of requests.
Key Features
- 96% automation rate for claims analysis requests
- Supported 85 health insurance products from 11 partner insurers in 2024
- Processed 7.25 million health claims in 2024 (55% YoY increase)
- RMB 9.2 billion (USD 1.3 billion) in total health claim payouts in 2024
Target Users: Consumers, partner insurance carriers
Ant Bridge
Open platform launched September 2024 that integrates AI models and financial intelligence to enable partner insurers to deliver real-time, personalized customer service. Connects insurer back-office systems to AI-driven front-line interactions.
Key Features
- Real-time AI-powered customer response
- Integration layer for insurer back-office systems
- Personalized service delivery at scale
Target Users: Partner insurance carriers
Xingyun Platform
China's first digital operations platform for insurance companies, launched September 2022. Automates the full insurance business process from sales through operations and customer service. Over 60 insurance companies have adopted Xingyun, including China Pacific Insurance Group, Taiping Life Insurance, and ZhongAn Online P&C Insurance.
Key Features
- Identification of 107 types of verification documents (95%+ accuracy)
- End-to-end automation of sales, operations, and customer service
- Configurable workflows for individual insurer needs
Target Users: Insurance carriers operating in China
AI Healthcare Manager
Integrated within Alipay, provides consumers access to over 30 healthcare services via voice and text interactions, including doctor mapping, medical report interpretation, in-hospital navigation, and personalized medical advice. Connects 800+ million Alipay users with 3,600+ hospital partners.
Target Users: Individual consumers via Alipay
At a Glance
- Founded
- 2014
- Headquarters
- Hangzhou, Zhejiang, China
- Employees
- 1000+
- Funding
- Subsidiary of Ant Group (pre-IPO funded)
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Claims Technology Insurtech Infrastructure Customer Engagement
- Insurance Verticals
- Health Life & Annuity P&C Personal
- Target Customers
- Carriers, Consumers
Customers
- China Pacific Insurance Group
- Taiping Life Insurance
- ZhongAn Online P&C Insurance
- 90+ additional Chinese insurance institutions
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Last updated: 2026-05-11