Waterdrop(US:WDH) 2 1 Shi Ji Jing Ji Bao Dao·2025-08-28 06:38Core Insights - Waterdrop Company has launched the first AI underwriting expert "KEYI.AI" in the insurance industry to address complexities in insurance products and improve user experience [1][2][4] - The AI system significantly reduces the average processing time for health insurance underwriting by 80% and increases response speed by 260 times, achieving a 99.8% accuracy rate in underwriting [2][3] - "KEYI" is designed to assist both insurance professionals and ordinary users, providing quick responses to inquiries and enhancing the overall insurance service experience [3][4] Group 1 - 48% of respondents find insurance products overly complex, leading to decision-making difficulties [1] - Traditional underwriting processes are slow and fragmented, negatively impacting user experience [1] - "KEYI.AI" enables 24/7 user service with instant responses and precise replies [1][2] Group 2 - The AI underwriting system helps insurance companies quickly identify clients who do not meet health criteria, reducing the risk of adverse selection [2] - "KEYI" covers thousands of insurance product terms and utilizes a vast database for risk assessment and claims processing [2][3] - The system can be integrated within three days, enhancing onboarding speed for new insurance agents by 300% [3] Group 3 - Waterdrop invests nearly 300 million yuan annually in R&D and holds over 100 technology patents [4] - The company has developed multiple AI products, including AI agents and intelligent customer service solutions, to improve service efficiency [4] - The founder emphasizes that the future competition in the industry will focus on algorithm precision and data quality rather than just manpower and capital [4]