ZhongAn is an online-only insuretech company. It develops ecosystem-oriented insurance products and solutions in different consumption scenarios.The Company offers property and casualty insurance products covering accident, bond, health, liability, credit, cargo, household property, and motor insurance, as well as other insurance comprising shipping return policy insurance. It also provides technology development and consulting, bio technology, investment consulting/asset management, and loan services. The Company operates its core insurance system on its proprietary cloud-based platform called Wujieshan. It develops advanced artificial intelligence capabilities to optimize product features to enhance customer experience and strengthen risk management.