水滴的AI决心：“三好服务”让“带病体保险”不再遥远

Core Insights - The core message emphasizes the transformation of the insurance industry from a supply-driven model to a demand-driven model, focusing on understanding user needs and providing tailored services [1][4][14] Group 1: Service Ecosystem Development - Waterdrop Insurance has launched the "Three Good Service Alliance" with 18 insurance companies to address the protection gaps for underrepresented groups such as those with pre-existing conditions, the elderly, and mothers [2][5] - The "Three Good Service" framework focuses on providing good products, good services, and good claims processes, aiming to enhance user experience and satisfaction [1][11] Group 2: Focus on Pre-existing Conditions - A report released at the conference highlights that the average treatment cost for individuals with pre-existing conditions is 87,000 yuan, which is 2.1 times the average disposable income, indicating a significant protection gap [4][5] - The report also notes that over 60% of critical illness patients face out-of-pocket expenses exceeding 100,000 yuan, underscoring the urgent need for better insurance products tailored to this demographic [4][5] Group 3: Product Innovation and AI Integration - Waterdrop has introduced 214 insurance products for individuals with pre-existing conditions, with 34 being first-of-their-kind in China, and an average of 1.14 days to launch a new product [5][12] - The company invests 300 million yuan annually in AI research, resulting in over 100 technology patents and the development of a proprietary AI model to enhance product customization, underwriting, and claims processing [8][9] Group 4: Claims Processing Enhancement - The "Help Help Claim" service has processed over 200,000 claims, with a nearly 98% success rate for first-time submissions, demonstrating the effectiveness of integrating AI with human support in claims management [11][12] - The average processing time for general claims has been reduced by 43.3% through the AI and human collaboration model, improving overall efficiency in claims handling [12][13]