China Life Insurance Company Limited (SSE: 601628, SEHK: 2628) has officially unveiled its claims service report for the 2025-2026 academic year student accident and health insurance program, a comprehensive review that underscores the company's extensive reach and operational efficiency in safeguarding young students. The report indicates that over the past academic year, the company's dedicated student and children's product line has served nearly 4.77 million individuals, with total claim payments approaching RMB 4.3 billion.

The average claims settlement time was remarkably swift at just 0.12 days, and the claims approval rate hit an impressive 99.5%. Notably, the highest single claim payout exceeded RMB 400,000. Student accident and health insurance, designed as a specialized portfolio for students, stands out for its affordable premiums, diverse coverage options, and broad applicability, positioning itself as the "first line of defense" for countless families in protecting their children's well-being. Beyond the raw data, this report illustrates how the company translates its commitment into tangible action, addressing the unique risk profiles of minors and providing robust financial shields throughout their growth journeys.

Comprehensive Data Analysis Reveals Student Health Insights

According to the report, medical claims dominate the landscape, accounting for 4.728 million cases with total payouts of RMB 3.57 billion, clearly demonstrating the foundational role of this insurance in day-to-day healthcare. In contrast, death, critical illness, and disability claims numbered 7,000, 3,500, and 15,000 cases respectively, with corresponding payouts of RMB 400 million, RMB 174 million, and RMB 80 million. When examining disease-related risks, respiratory system ailments—such as influenza and pneumonia—emerged as the most frequent medical concern, comprising 61.9% of all high-frequency medical cases. Digestive system conditions, like appendicitis, and infectious or parasitic diseases, including hand-foot-and-mouth disease, followed with shares of 9.3% and 7.2%, respectively.

In the realm of accidental injuries, falls and slips were identified as the leading risk factor at 38.3%, closely followed by animal bites or scratches from cats and dogs at 36.8%. For critical illnesses, leukemia topped the list at 26.9%, with brain malignancies and lymphoma accounting for 9.6% and 8.7% of cases, respectively.

Real-Life Cases Highlight the Human Impact of Coverage

Medical Claim: A Nominal Premium Yields Substantial Coverage. A student named Zhang, insured under the school's plan, required specialized treatment at a Beijing hospital in August 2025 following surgery for a mixed germ cell tumor. With total medical expenses reaching nearly RMB 140,000, the family submitted a claim with all necessary documentation. The company ultimately disbursed over RMB 90,000 in medical reimbursements, significantly alleviating the substantial out-of-pocket burden. This case effectively challenges the common misconception among parents that such policies only address accidental injuries. While a premium of around RMB 100 might seem modest, the policy includes medical protection for illnesses, covering major expenses like post-operative care.

Accident Claim: A Timely Disbursement of Nearly RMB 200,000 Offers Crucial Relief. In December 2025, a student named Zhong fractured a bone after falling on stairs while having breakfast at school, incurring hospitalization costs exceeding RMB 250,000. After treatment, the family recalled the school-purchased policy and filed a claim online. The company promptly verified the incident and, in just two days—right before the Spring Festival—approved and paid out RMB 191,700 in medical insurance benefits, easing the family's immediate financial strain. This swift resolution exemplifies the insurance promise in action, offering not just monetary support but a profound sense of security and care during pivotal moments.

Critical Illness Claim: Prompt Aid for a Young Leukemia Patient. Ms. Chen, who had long prioritized her children's health, secured coverage for her son, Haohao, through the company's "Lexue Wuyou" product series, which includes major illness and hospitalization allowance benefits. In March 2026, Haohao was diagnosed with acute lymphoblastic leukemia. The designated service representative proactively visited the family to help prepare the necessary paperwork. Following review, the company quickly remitted RMB 100,000 in critical illness coverage along with RMB 9,500 in hospitalization daily allowances. The fundamental value of student insurance lies in constructing a stable financial safety net for families, ensuring children receive timely, high-quality medical care without delays caused by economic pressures, thereby allowing parents to focus on their child's recovery rather than financial worries.

Turning Data Into a Commitment to Protection

From 4.728 million medical claims processed to an average settlement time of 0.12 days, from a 99.5% approval rate to individual payouts exceeding RMB 400,000, each statistic represents a family finding renewed reassurance during challenging periods. With its modest premium and extensive coverage, student accident and health insurance builds an invisible yet resilient barrier at every critical juncture of a child's development. Looking ahead, the company plans to deepen its focus on student and children's protection, delivering more efficient and compassionate services to safeguard the growth of every young person, ensuring that each policy serves as a dependable pillar of support for families.