大地保险公司

What 大地保险公司 does

中国大地财产保险股份有限公司 (China Continent Property & Casualty Insurance Co., Ltd.) is a Shanghai-headquartered state-owned property and casualty insurer founded in 2003, operating as the only direct P&C insurance subsidiary of China Re Group (中国再保险集团). The company underwrites vehicle, health, accident, property, liability, cargo, hull, aviation, nuclear, energy, agricultural, credit, and short-term health insurance products, with a nationwide footprint spanning all 33 provincial-level administrative divisions in China through over 1,700 service outlets, a 24/7 national hotline (95590), and digital channels including the official website (95590.cn), China Dadi Super APP, and WeChat mini-programs. Gross written premiums exceeded 300 billion RMB for the first time in H1 2025, supported by a comprehensive solvency adequacy ratio of 286% and registered capital of over 15.1 billion RMB.

The company's technology stack centers on a digital insurance platform featuring IVR (Image Video Recognition) for automated vehicle document and ID scanning with claimed 99% accuracy, and a "thousands-of-faces" (千人千面) pricing system built on China Re Group's global data platform that calculates personalized auto insurance premiums based on vehicle parking location and driving habits. Core proprietary service capabilities include the Dadi Gold Service System (全国通赔 nationwide unified claims, one-click claims, phone claims), a value-added roadside rescue network offering free towing within 100 km, and specialized products such as the 2025 Million-Yuan Medical Insurance series (starting from 169 RMB/year individual / 310 RMB/year family) and new energy vehicle-specific coverage (battery decay, three-electric extended warranty). The company integrates with LexisNexis for vehicle data lookup, Amap for location services, 99Bill for payment processing, and MSH China, Youjia Health, and MediTrust for medical and specialty drug services.

Revenue is generated primarily through recurring annual premiums on auto, health, accident, and property insurance policies, with additional income from reinsurance cessions to China Re Group and returns on invested premium assets. The go-to-market combines direct-to-consumer digital self-service (online quote-to-policy in approximately 3 minutes) with a multi-tier offline branch network and inbound telemarketing for renewals. Customer segments span individual vehicle owners (household vehicle premium share 62.1% in H1 2025), families seeking health and accident coverage, small and micro enterprises (128,000 served in 2024), government health insurance projects (covering 130 million people across ~130 projects), green energy providers (over 90,000 customers), and specialized technology enterprises (3,600 served in 2024). Notable risk coverage milestones include nearly 10 trillion RMB for new energy vehicles and over 400 billion RMB for emerging industries in H1 2025.

Name

大地保险公司

Legal name

中国大地财产保险股份有限公司

Website

https://95590.cn

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

China Continent Property & Casualty Insurance Co., Ltd. (大地保险公司) is a Shanghai-headquartered state-owned P&C insurer and sole direct subsidiary of China Re Group, underwriting auto, health, accident, property, and specialty insurance products across all 33 Chinese provinces via a 1,700+ outlet network and digital platform, with H1 2025 premiums exceeding 300 billion RMB.

Ownership category

akta.pro rank

Product category

Property & Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industries

Travel & Accident (Non-Life) Insurance (FSAJAMAN), Commercial Property Insurance (FSAJACAE)

Keywords

• Property casualty insurance
• Auto insurance products
• Health insurance coverage
• Accident insurance services
• Commercial insurance solutions

Headquarters

HQ city

Shanghai

HQ country

China

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. 财产保险保费收入 (Property & Casualty Insurance Premiums): Core revenue from vehicle insurance (auto insurance), property insurance, liability insurance, cargo insurance, hull insurance, aviation insurance, nuclear insurance, energy insurance, statutory liability insurance, guarantee insurance, credit insurance, agricultural insurance, short-term health insurance, and accident insurance. Premium income constitutes the primary revenue stream.
2. 健康险产品 (Health Insurance Products): Short-term health insurance products including million-yuan medical insurance (百万医疗), female-specific disease insurance, critical illness insurance for children, and hospitalization insurance generating recurring annual premiums.
3. 再保险业务 (Reinsurance): As a subsidiary of China Re Group, the company also receives reinsurance support and cedes portions of its business, forming an integrated direct insurance and reinsurance operational model.
4. 投资收入及其他 (Investment Income and Other): Returns on invested assets from insurance premiums, supplementary income from asset management and other financial activities.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

China Continent Property & Casualty Insurance Company sells property and casualty insurance products including auto insurance (compulsory traffic insurance plus commercial coverage for vehicle damage, third-party liability, theft, glass breakage, and new energy vehicle specialty products), short-term health insurance (million-yuan medical plans, hospitalization insurance, critical illness), accident insurance, property insurance, liability insurance, cargo insurance, and specialty commercial coverage for technology enterprises and green energy projects. The company operates a digital-first sales model through official website, app, WeChat, and 95590 hotline alongside 1,700+ offline service outlets, distributing both individual consumer policies and enterprise/团体 coverage.

Product overview

中国大地保险官方商城是一个综合性的互联网保险销售和服务平台，提供涵盖车险、健康险、意外险、财产险等多个品类的保险产品。车险业务为核心产品线，提供交强险、商业险（含车辆损失险、第三者责任险、玻璃破碎险、全车盗抢险、不计免赔险等）以及新能源车专属产品（电池衰减险、三电延保险）。健康险产品包括百万医疗2025个人版/家庭版、欣享易生个人住院医疗保险、女性特定疾病保险等，其中百万医疗2025系列为核心产品，最高保额600万元。意外险产品线涵盖旅行险（e行大地系列）、公共交通意外险、少儿全能保、新冠疫苗接种意外险等。此外还提供家财险、账户安全险、光伏保单、保险卡激活查询、个人贷款保证保险等细分产品，以及大地金服务体系和全国通赔等增值服务。平台支持官网、APP、微信公众号、小程序等多渠道投保，提供电子保单和线上理赔服务。

Differentiator

Problem solved

Functional benefit

Brands

• 大地金服务体系: 理赔服务品牌，包括全国通赔、一键理赔、电话理赔等线上化服务，实现自主理赔、当场赔付等四种场景即时到账。
• 大地臻选
• 暖阳八个一
• 大地礼赔

Products and services

• Auto Insurance (车险)

Named customers5 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability3 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• 优加健保健康科技（北京）有限公司 (Youjia Health)coreStrategic or Co-development Partner · 1 January 2024Provides green hospital access services for Dadi insurance policyholders including expert appointments, hospitalization arrangements, and surgery scheduling at Level 3 Grade A hospitals across China. Services triggered upon diagnosis of 120 specified critical illnesses under the 百万医疗2025 product.
• 上海镁信健康科技集团股份有限公司 (MediTrust)coreStrategic or Co-development Partner · 1 January 2024Third-party service provider for cancer outpatient special drug coverage (恶性肿瘤院外特种药品费用医疗保险) under the 百万医疗2025 product. Manages the special drug catalog and provides pharmaceutical benefit management services.
• 万欣和（上海）企业服务有限公司 (MSH China)coreStrategic or Co-development PartnerAppointed service provider for the 欣享易生个人住院医疗保险 product, providing second opinion, medical consultation, health consultation, network hospital lookup, hospitalization direct payment/advance, and claims assistance services.
• 快钱支付清算信息有限公司 (99Bill)coreTechnology or IntegrationSelected as online payment platform partner for Dadi insurance's online payment system, connecting with multiple banks for secure online transactions. 99Bill's payment platform uses 128-bit SSL encryption, has obtained ISO/IEC27001 certification, PCI DSS certification, and UnionPay card account information security compliance certification.

Scale indicators19 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• PICC Property and Casualty Company Limited: The largest state-owned P&C insurer in China and Dadi's most direct state-owned peer. Both serve household and commercial auto, property, and accident lines nationwide; PICC operates at materially larger scale and broader product breadth, making it the dominant incumbent benchmark.
• Ping An Property & Casualty Insurance Company of China:

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/%E5%A4%A7%E5%9C%B0%E4%BF%9D%E9%99%A9%E5%85%AC%E5%8F%B8

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 大地保险公司