借助互联网和AI科技能力，每53秒就有一个家庭在水滴筹发起筹款，累计4.75 亿人通过水滴筹帮助超 过347万大病患者。水滴筹于2024年12月成为首批民政部指定的个人求助网络平台；水滴保用科技推动 产品供给侧创新，上线千余款带病人群、老年人群、母婴人群也能买得到、买得起的普惠保险产品，为 3.8万个家庭提供了深度的保险规划服务，用户满意度超过95%。AI赋能下，翼帆医药经营效率大幅提 升，优质项目量增长超30%，与全球TOP10药企中的80%建立合作，受试者招募人效提升45%，为医疗 健康领域贡献了水滴的科技力量。水滴金融在香港形成了有竞争力的保险产品供给和服务体系，借助完 备的销售体系实现了规模的快速突破。 近日，水滴公司的商业创新案例《水滴公司：AI驱动的保险和医疗健康平台》，入选哈佛商学院案例 库，获得国际顶级学术机构认可。该案例由香港中文大学（深圳）经管学院李琦教授主持开发，深入探 讨了在人工智能时代保险与健康服务行业面临深刻变革大背景下，水滴公司如何通过深度应用AI技术 进行系统性创新与战略升级，推动多元化健康保障生态的构建与效率跃升，实现社会价值与商业价值的 统一，为全球保险科技的发展提供了可借 ...

Core Insights - The insurance industry is experiencing a pivotal moment with the integration of AI, which is expected to drive significant growth and transformation [1][2] - Waterdrop Inc. is at the forefront of this AI revolution, with a projected nearly 120% increase in net profit for 2024, driven by its "All in AI" strategy [1][5] Group 1: AI Integration in Insurance - The vast data assets accumulated over the past decade in internet insurance provide a solid foundation for building large AI models, which will catalyze the AI + insurance explosion [2] - AI technology is reshaping the insurance value chain, with the potential impact of this transformation expected to surpass the total changes seen in the past decade [2] - Waterdrop is one of the earliest companies to apply AI large models in the insurance sector, investing nearly 300 million yuan annually in R&D and holding over 100 technology patents [2] Group 2: Service Enhancements through AI - Waterdrop's self-developed "Waterdrop AI Insurance Expert" can communicate with users via voice, handling inquiries about various insurance products with an average response time of around 2 seconds [3] - The newly launched "AI Customer Service" named "Bao Xiao Hui" can accurately identify user emotions and respond 24/7, expected to reduce issue transfer rates by 50% and improve service efficiency by 50% [3][5] Group 3: Cost Reduction and Efficiency - The implementation of AI quality inspection solutions has significantly reduced the costs of manual inspections by over 50% while covering all communication scenarios [5] - Waterdrop's commitment to the "All in AI" strategy aims to enhance AI capabilities continuously, focusing on cost reduction and efficiency improvements for both the company and its insurance partners [5]