收割老人钱包？水滴保陷“乱扣费”质疑

Core Viewpoint - Waterdrop Insurance is facing significant public backlash due to complaints about unauthorized charges, particularly affecting elderly users, raising questions about its business practices and customer trust [1][3][15] Group 1: Customer Complaints - A viral post on social media highlighted that an elderly individual was charged multiple insurance fees after accidentally activating a payment feature on the Waterdrop app [1] - The complaints are not isolated, with over 2,200 reports on consumer platforms regarding issues like unauthorized charges and automatic renewals [5] - Many users reported similar experiences, often linked to accidental clicks on marketing links or ads while using other services [10][11] Group 2: Business Performance - Waterdrop Insurance, part of Waterdrop Inc., generated 1.397 billion RMB in revenue from its insurance segment in the first half of 2025, contributing 87.74% to the company's total revenue [11] - The operating profit for the insurance business reached 322 million RMB, reflecting a year-on-year growth of 27.85% [11] - Despite the financial success, the company faces challenges in maintaining customer trust due to increasing complaints and regulatory scrutiny [15] Group 3: Regulatory and Operational Challenges - Waterdrop Insurance has been criticized for its marketing practices, including misleading promotional claims that led to regulatory fines [15] - The operational costs for the company were reported at 1.418 billion RMB in the first half of 2025, with insurance costs accounting for 75.73% of total expenses [15] - The company has seen a decline in user satisfaction, dropping from 95% in 2020 to 60% in 2024, indicating a growing disconnect between its charitable image and business operations [15]