The "anti-internal competition" in the property insurance industry has achieved initial results, with all three major property insurance companies in China seeing a significant decrease in their comprehensive cost ratios.

The "anti-overwork" initiative in the property insurance industry has achieved initial results. The semi-annual reports of listed insurance companies in 2025 show a significant decrease in the comprehensive cost ratio of the three major property insurance companies in China, with a particularly noticeable decrease in the expense ratio of car insurance. Currently, the integration of non-auto insurance underwriting and claims processing is being planned for implementation, which is expected to have a positive impact on the profitability of property insurance next year. Industry experts believe that the "anti-overwork" initiative will continue to improve the business quality and underwriting profitability of the property insurance market in the future.