An insightful interview with Mr Chen Wei, CTO of TK.cn, which is part of the giant Taikang insurance group, in which Mr Chen highlights how the online-only insurer's strategies of "technology plus insurance" and "technology plus services" have driven premium growth. He also outlines the implications of 5G for the insurance industry and explains why TK.cn needs to continue to invest heavily in IT for at least the next three years even if it has to sacrifice profits.