TacticScaleWhat ZhongAn Online P & C Insurance Does & How It Makes Money (6060.HK)
Updated October 2026 · reflects ZhongAn Online P & C Insurance's latest reported financials
Chinese online-only insurer selling digital insurance, plus tech and banking services. It earns most of its revenue from insurance premiums on policies sold through online channels and partner platforms.
How ZhongAn Online P & C Insurance makes money
It earns most of its revenue from insurance premiums on policies sold through online channels and partner platforms. Further income comes from IT and consulting fees, banking, brokerage, and medical and pharmacy services.
What ZhongAn Online P & C Insurance does
ZhongAn Online P&C Insurance, founded in 2013 and based in Shanghai, is an internet-based insurtech company in China. It reports four segments: Insurance, Technology, Banking and Others. Its insurance business covers a wide range of everyday, scenario-based products: health, critical illness and outpatient cover; e-commerce and shipping return insurance; travel accident and trip cancellation; motor, cargo, credit and bond insurance; liability, drone and household property; and a large pet insurance line. Beyond insurance, ZhongAn sells IT and international consulting services and offers banking and Fintech services. It also runs online life insurance, insurance brokerage, asset management, and healthcare services including an internet hospital and pharmacy. This makes it a digital financial services platform with insurance at its core.
Products & services
- Health, critical illness and outpatient insurance
- E-commerce and shipping return insurance
- Travel accident and flight/hotel cancellation insurance
- Pet insurance suite
- Motor, credit and bond insurance
- Insurtech IT consulting and Fintech services
For insurers, premiums and claims reserves (the float) drive the cash flows, so free cash flow doesn't measure what owners earn — and TacticScale's fair value is built on it, so it doesn't publish a number here.
We show a fair value only when the method is trustworthy. See ZhongAn Online P & C Insurance on TacticScale →
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