ZhongAn Online P&C Insurance Co., Ltd. (ZhongAn) released its 2025 Environmental, Social and Governance Report, detailing operational progress and sustainability performance for the year ended 31 December 2025.
Gross written premiums reached RMB 35.74 billion, up 6.9% year-on-year, while insurance revenue rose 5.5% to RMB 33.49 billion. Investment in research and development totalled RMB 745 million, accounting for 20.85% of GWP, and the company deployed about 220 active robots that triggered more than 2 billion large-model calls.
Climate metrics improved: Scope 1 and Scope 2 greenhouse-gas emissions fell 9.7% from 2024, and ZhongAn reiterated its goal of achieving operational carbon neutrality by 2030. Paper-saving initiatives cut annual consumption by roughly 36,000 sheets.
Green insurance expanded. The insurer underwrote over 10.8 million green policies and issued 50 green insurance clauses, generating RMB 860 million in premiums. Premiums from new-energy-vehicle (NEV) cover surged 206.2% year-on-year, lifting NEV insurance to 28.3% of the auto portfolio. ZhongAn also completed its first overseas NEV insurance transaction during the period.
Governance indicators strengthened. Independent directors occupy 36.4% of board seats; anti-corruption and business-ethics training covered all employees and suppliers, each achieving 100% pledge-signing rates. No corruption cases were reported.
Recognition of sustainability practices improved. MSCI upgraded ZhongAn’s ESG rating from “BBB” to “A”, and S&P Global raised the company’s ESG score to 36. Wind’s ESG rating also advanced to “A”.
The report confirms ZhongAn’s commitment to embed technology-driven insurance solutions in health, digital lifestyle, consumer finance and auto ecosystems, while aligning with the UN Principles for Sustainable Insurance and China’s dual-carbon targets.
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