水滴保举办2025服务生态大会 携手18家保司成立“普惠产品联盟”

Core Insights - The second "Gathering Strength, Achieving Common Good" Waterdrop Insurance Service Ecosystem Conference was successfully held, where a report on the innovation of insurance for individuals with pre-existing conditions was released, highlighting the current protection status and demand pain points for this demographic [1][9] - Waterdrop Insurance established the "Inclusive Product Alliance" with 18 insurance companies to focus on the protection needs of specific groups such as individuals with pre-existing conditions, the elderly, and mothers and infants, aiming to promote inclusive insurance services through AI empowerment and product co-creation [1][16] Group 1 - The average annual medical expenditure for individuals with pre-existing conditions is nearly 90,000 yuan, indicating a significant protection gap that needs to be addressed [3][9] - The development of insurance for individuals with pre-existing conditions aligns with the national "14th Five-Year Plan" principles of prioritizing people's needs and high-quality development, and is essential for expanding coverage and improving service in the insurance industry [3][5] - The report indicates that over 60% of critical illness patients incur out-of-pocket expenses exceeding 100,000 yuan, and the prevalence of chronic diseases is increasing among younger populations, necessitating innovation in insurance products [9][10] Group 2 - Waterdrop Insurance has launched 214 insurance products for individuals with pre-existing conditions, with 34 being industry firsts, and has introduced innovative products such as a medical insurance plan that does not require health declarations [10][12] - The "Three Good Services" initiative, focusing on "Good Products," "Good Services," and "Good Claims," aims to enhance the overall service experience through AI and big data technology [13][14] - The establishment of the "Inclusive Product Alliance" aims to develop affordable and accessible insurance products for the public, with participation from various insurance companies to strengthen collaboration and trust within the industry [16]