服务近477万人次、赔付近43亿元：中国人寿发布2025-2026学年学平险理赔服务报告

证券日报网09-15

日前，中国人寿保险股份有限公司（以下简称“中国人寿”，股票代码：601628.SH，2628.HK）发布了《2025-2026学年学平险理赔服务报告》。报告显示，过去一学年，中国人寿学生儿童专项产品累计服务近477万人次，赔付金额近43亿元，理赔时效仅0.12天，获赔率高达99.5%，单笔最高赔付超40万元。学平险是专为学生儿童设计的保险产品组合，以保费亲民、保障多元、覆盖多元的特点，成为万千家庭...

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report.","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"601628":1.5,"02628":1.5},"content_text":"日前，中国人寿保险股份有限公司（以下简称“中国人寿”，股票代码：601628.SH，2628.HK）发布了《2025-2026学年学平险理赔服务报告》。报告显示，过去一学年，中国人寿学生儿童专项产品累计服务近477万人次，赔付金额近43亿元，理赔时效仅0.12天，获赔率高达99.5%，单笔最高赔付超40万元。学平险是专为学生儿童设计的保险产品组合，以保费亲民、保障多元、覆盖多元的特点，成为万千家庭守护孩子健康成长的“第一道防线”。报告所呈现的，不仅是一组组理赔数据，更是中国人寿围绕少年儿童成长风险、以专属保障为成长之路遮风挡雨的生动实践。多维度护航 理赔数据折射学生健康画像报告显示，在各类理赔案件中，医疗类理赔占比最高，理赔件数达472.8万件，理赔金额35.7亿元，充分体现了学平险在日常医疗保障中的基础性作用。身故、重疾、伤残类理赔分别为0.7万件、0.35万件和1.5万件，理赔金额分别为4.0亿元、1.74亿元和0.8亿元。从疾病风险来看，呼吸系统疾病（如流行性感冒、肺炎等）以61.9%的占比位居医疗高频风险首位，消化系统疾病（如阑尾炎等）和传染病及寄生虫病（如手足口病等）紧随其后，占比分别为9.3%和7.2%。在意外风险方面，跌倒摔伤以38.3%的占比成为头号风险因素，猫抓狗咬以36.8%的占比紧随其后。重疾风险中，白血病以26.9%的占比高居榜首，脑恶性肿瘤和淋巴瘤分别占9.6%和8.7%。案例回放：三则故事里的学平险温度医疗理赔：百元保费覆盖近10万元保障。张同学在校投保了中国人寿学平险。2025年8月，其因混合型生殖细胞瘤术后放疗需求，前往北京某医院接受专项治疗，累计产生医疗总费用近14万元。家属整理完整就医资料后提交理赔申请，中国人寿最终赔付医疗费用超9万元，大幅减轻了家庭大额医疗开支压力。这一案例打破了部分家长“学平险只保意外、不保疾病”的认知误区。许多家长认为百元学平险保障范围有限，仅能覆盖摔伤、磕碰等小额意外医疗，实则学平险也包含疾病医疗保障，可覆盖术后治疗等大额医疗支出。意外理赔：近20万元及时到账缓解家庭重负。2025年12月，钟同学在学校吃早餐下楼梯时不慎摔倒导致骨折，住院治疗期间累计花费25万余元。治疗结束后，家人想起了孩子在学校投保了学平险，随即线上提交理赔申请。中国人寿快速核查事故经过，春节前夕仅用2天时间完成赔付，给付医疗保险金19.17万元，有效缓解了家庭的经济负担。一笔及时的理赔款，不仅是保障责任的兑现，更是一份沉甸甸的安心与守护。保险的温度，体现在关键时刻的暖心托举，守护少年儿童健康成长。重疾理赔：白血病患儿获及时救助。陈女士长期关注子女健康保障，为儿子浩浩（化名）投保了国寿“乐学无忧”系列产品，保障范围涵盖重大疾病及住院定额给付等。2026年3月，浩浩不幸被确诊为急性淋巴细胞白血病。保单服务人员主动上门服务，指导客户准备申请材料。经审核，中国人寿迅速向家属给付了10万元重疾保险金及9500元住院定额津贴。学平险的核心价值，在于为家庭构建一道稳固的经济安全防线。确保孩子在患病时能第一时间获得优质治疗，不因经济压力而延误时机，让父母得以卸下焦虑，全心陪伴孩子康复。以数据为镜以守护为责从472.8万件医疗理赔到0.12天的理赔时效，从99.5%的获赔率到单笔超40万元的最高赔付，每一组数字背后，都是一个家庭在风雨中重获安心的真实写照。学平险以百元保费、多维保障，在少年儿童成长的每一个关键时刻，筑起一道看不见却坚实的防线。未来，中国人寿将继续深耕学生儿童保障领域，以更高效、更温暖的服务，守护每一个孩子的成长之路，让每一份保单都成为家庭最可靠的依靠。","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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