AI now decides your insurance plan? Huize’s DeepSeek integration redefines the industry

Huize Holding Limited has taken a bold step in reshaping China’s insurance industry by integrating the advanced DeepSeek AI model into its consumer-facing services. This move marks a significant milestone for the company as it becomes the first in the sector to embed artificial intelligence into insurance consultation at such a deep level. By incorporating AI-driven insurance consultation into its Huize App, the platform now offers real-time, automated, and personalized insurance advice, fundamentally changing how consumers interact with insurance products.

As digital transformation accelerates across financial services, the application of artificial intelligence in insurance technology solutions is set to redefine customer experiences. Huize’s latest innovation enables AI-driven insurance consultation to operate with 300% greater efficiency compared to traditional models. The system boasts a 91% accuracy rate in matching insurance products to customer needs, ensuring a more seamless and effective approach to policy selection.

Unlike conventional insurance services constrained by human limitations and business hours, Huize’s integration of DeepSeek offers 24/7 real-time insurance guidance. Consumers can now access automated consultations at any time, reducing delays in decision-making and enhancing overall accessibility. The AI system also allows users to create a customized virtual advisor, adapting to their evolving needs and offering an experience free from the complexities of technical jargon or sales pressure.

What makes Huize’s AI-powered insurance model unique?

The key differentiator in Huize’s approach is its ability to blend AI-driven insurance consultation with a user-centric model. This innovation aligns with the company’s broader AI+ strategy, an initiative aimed at integrating artificial intelligence into various aspects of insurance technology solutions, from customer engagement to policy management.

According to Huize’s Chairman and CEO, Cunjun Ma, AI is redefining consumer expectations in the insurance sector. He highlighted that the DeepSeek model integration in the Huize App enables customers to navigate complex insurance products with ease, making personalized insurance advice more accessible than ever. By leveraging artificial intelligence, Huize aims to bridge the knowledge gap between customers and insurance policies, empowering users with data-driven insights to make informed decisions.

This latest advancement builds upon Huize’s history of AI adoption. In 2023, the company launched an AI marketing assistant, a tool widely used by its consultants and agents to enhance customer interactions. The following year, it introduced a large language model to support business development initiatives. The integration of DeepSeek represents the next logical step in this trajectory, reinforcing Huize’s position as a leader in AI-driven insurance consultation.

How does AI improve efficiency in insurance recommendations?

One of the primary challenges in the insurance sector has been matching customers with the right policies efficiently. Traditionally, this process relied on manual assessments by human agents, which could be time-consuming and prone to inconsistencies. The introduction of AI-driven insurance consultation changes this paradigm by leveraging deep learning and natural language processing to generate instant, precise recommendations.

The DeepSeek model integration in the Huize App enhances efficiency by analyzing vast amounts of data in real-time. The AI system considers multiple variables, such as a customer’s financial background, lifestyle preferences, and long-term goals, to offer tailored suggestions. This level of automation significantly reduces the risk of mismatched policies and improves customer satisfaction.

Moreover, AI-driven insights ensure that recommendations remain dynamic. Unlike traditional models that rely on static criteria, Huize’s AI-driven insurance consultation continuously learns from user interactions, refining its suggestions over time. This adaptability enhances the platform’s ability to meet individual needs, ensuring that policy recommendations evolve as a customer’s circumstances change.

What does this mean for the future of insurance in China?

Huize’s embrace of artificial intelligence signals a broader shift in the Chinese insurance sector, where digital innovation is rapidly reshaping traditional business models. The adoption of AI-driven insurance consultation is expected to set a new benchmark for the industry, encouraging other market players to invest in similar technologies.

Beyond China, Huize’s international expansion under the Poni Insurtech brand is further evidence of AI’s growing influence in insurance markets worldwide. The company’s acquisition of Global Care in Vietnam in 2024 reflects its ambition to replicate its AI-driven success across Southeast Asia. With future plans to expand into high-growth markets such as Indonesia and the Philippines, Huize is positioning itself as a pioneer in AI-powered insurance technology solutions beyond its domestic market.

The implications of this transformation extend beyond consumer convenience. The integration of AI also enhances risk assessment capabilities, allowing insurers to refine their underwriting processes with data-driven insurance insights. By improving accuracy in risk profiling, AI-driven models can contribute to more precise premium calculations, ultimately benefiting both consumers and insurance providers.

Can AI fully replace human insurance agents?

While artificial intelligence significantly enhances insurance technology solutions, it is unlikely to replace human agents entirely. Instead, AI acts as a complement to human expertise, streamlining administrative tasks and improving efficiency in AI-driven insurance consultation.

The role of human advisors remains crucial in complex policy decisions that require personalized discussions. However, with the introduction of customized virtual advisors, AI can handle a vast portion of initial inquiries, freeing up human agents to focus on more nuanced consultations. This hybrid model creates a balance where technology handles routine tasks while human professionals provide specialized insights.

As Huize continues to expand its AI capabilities, the synergy between artificial intelligence and human expertise will likely become the industry standard. By embracing personalized insurance advice through AI, the company is setting a precedent for how digital transformation can redefine customer experiences in the insurance sector.

The future of AI-driven insurance solutions

Huize Holding Limited’s decision to integrate DeepSeek AI into its insurance platform marks a transformative moment in the industry. By pioneering AI-driven insurance consultation, the company is not only enhancing customer experiences but also setting new standards for insurance technology solutions.

As AI continues to evolve, its role in shaping the future of insurance will only expand. With Huize leading the charge, the integration of personalized insurance advice through artificial intelligence is poised to become a defining trend in global insurance markets. Whether in China or across Southeast Asia through Poni Insurtech, the company’s commitment to AI innovation ensures that consumers will benefit from faster, more efficient, and more personalized insurance services.