Waterdrop(US:WDH) 智通财经网·2025-09-08 08:36Core Insights - Waterdrop Inc. (WDH.US) reported strong financial performance in Q2 2025, with significant growth in both revenue and profit, driven by the application of AI technology across the insurance value chain [1][4] - The company has invested nearly 300 million yuan annually in R&D, accumulating over 100 technology patents, and is fully advancing its "All in AI" strategy to enhance efficiency and innovate business models [1][4] Financial Performance - In Q2 2025, Waterdrop's net operating revenue reached 838 million yuan, a year-on-year increase of 23.9%, while the net profit attributable to shareholders was 140 million yuan, up 58.7%, marking 14 consecutive quarters of profitability [4] AI Technology Implementation - The AI customer service "Bao Xiaohui" achieved 100% user coverage, with a service resolution rate exceeding 95.5%, improving service efficiency by 50% and reducing issue transfer rates by 50% [2] - In underwriting, the AI assistant "KEYI.AI" reduced average processing time by 80% and achieved a 99.8% accuracy rate, with a response speed increase of 260 times [2] - The AI quality inspection solution covers 100% of scenarios, reducing costs by over 50% compared to manual methods [2] Product Development and Customization - Waterdrop focuses on underrepresented groups such as patients with pre-existing conditions, the elderly, and pregnant women, launching 174 customized insurance products in 2024, with a customization rate of 92% [2] - The product lineup includes 147 elderly-friendly products and 43 products for individuals with pre-existing conditions, effectively lowering barriers to insurance coverage [2] Sales and Marketing Innovations - The "Waterdrop AI Medical Insurance Expert" can independently handle consultations for various insurance types, achieving a 155% increase in premium scale in Q2 [3] - An AI-based insurance product knowledge base supports insurance advisors with real-time access to information on approximately 7,000 insurance products, aiding decision-making 300,000 times [3] - The "Waterdrop Weiying" tool enhances marketing efficiency by 95% through digital avatars and AI-generated videos, improving operational efficiency by 30% [3] Risk Management and Fund Supervision - The AI model is applied in verifying case authenticity and monitoring fund security, covering 15 high-risk fundraising scenarios and significantly improving risk identification accuracy [3] - Waterdrop has implemented dynamic monitoring algorithms for real-time fund verification and developed models to quickly identify and address malicious promotional activities [3]