水滴保线上经纪人升级：聚焦用户价值，AI驱动服务体验全面提升

Core Viewpoint - The recent strategic upgrade of Waterdrop Insurance's online brokerage signifies a shift from a "marketing-oriented" approach to a "user-oriented" model, aiming to enhance user experience through resource integration and AI technology [1][4] Strategic Transformation - The essence of the upgrade is to return to the core of insurance services and reshape the relationship between users and the platform, focusing on internal efficiency and external innovation by 2026 [3][4] - The service model has transitioned from "one-time communication" to "long-term companionship," positioning online brokers as dedicated insurance advisors throughout the entire service cycle [4][6] Marketing Logic Change - The marketing approach has evolved from broad information dissemination to precise value delivery, utilizing deep data analysis to understand user needs and risks better [4][5] Technology Empowerment - The upgrade includes a robust AI empowerment system that allows online brokers to focus on providing personalized consultations by automating routine tasks [5][6] - The proprietary "Waterdrop Guardian Model" aids brokers in analyzing user needs and translating complex insurance terms into understandable guidance [5] Ecosystem Collaboration - The new model serves as a "value connector" between insurance companies and users, facilitating a shift from product-driven to demand-driven development, thus fostering innovation in insurance offerings [6][7] Future Development - The upgrade is part of Waterdrop's ongoing commitment to service excellence, with plans for a "Quality Service Upgrade Year" in 2024 and a revamped membership system by 2025 [7][8] - By 2025, the online brokerage has already provided coverage to over 130,000 families, maintaining a service satisfaction rate of over 95% [7][8]