近日，"财经中国2025年会暨第23届财经风云榜"正式发布，该榜单是中国财经领域极具公信力的评选之 一，在"公平、公正、公开"的评选原则下，邀请业内权威专家、学者组成评审团，结合线上大众投票， 对参评企业进行多维度的筛选和评估，旨在挖掘并表彰在创新、服务与社会价值方面等方面取得显著成 绩的机构及个人。其中，水滴保凭借其在保险产品创新方面的探索和成果，荣获"2025年度普惠先锋产 品"奖。 此外，为推动普惠保险落地，水滴保联合18家保险公司共同发起"普惠产品联盟"，共同聚焦带病人群、 银发人群、母婴群体等细分人群保障需求，通过AI赋能与产品共创，推动保险服务普惠化，让保险回 归保障本源，合力开发出更多让老百姓"买得起、用得上"的优质保险产品。 在AI、大数据的深度赋能下，水滴保通过智能风控模型和精准需求分析，为保险产品的创新定制提供 了更多样的可能性，推出"行业首款免健告且保证续保5年的医疗险"看病保、"行业首款免健告母婴 险"接好孕、"行业首款70周岁也可投保的长期收入补偿险"无忧守护等具有行业创新意义的产品，实现 保障可及性的实质性拓宽。 数据显示，水滴保2025年累计上线214款带病体保险产品，其中34款 ...

Core Insights - The collaboration between 德华安顾人寿 and 水滴公司 focuses on product innovation, AI digital collaboration, health management, and customer service enhancement to provide richer products and better service experiences for users [1][2][8] Group 1: Product Innovation and Development - 德华安顾人寿 has launched several health insurance products such as 孝亲宝2号, 无忧守护, and 易生守护, which reflect a deep understanding of customer needs and integrate health insurance with health management [2][5] - Since 2019, the partnership has resulted in the launch of 25 products and over 70 technical integrations, significantly reducing product launch cycles to an average of 2 weeks [5][8] Group 2: AI and Technology Integration - 水滴公司 is investing in AI technologies, including the development of its own AI underwriting expert "KEYI.AI" and various AI-driven customer service solutions, enhancing service efficiency and user experience [3][5] - In 2024, 水滴保 plans to launch 174 customized insurance products, with over 92% being tailored offerings, including 147 senior-friendly products and 43 products for individuals with pre-existing conditions [5] Group 3: Market Demand and Strategic Collaboration - Both companies recognize the significant demand in the aging population and the need for insurance products catering to seniors, disabled individuals, and non-standard health conditions [8] - The establishment of the "三好服务联盟" aims to enhance user service experience through innovation in product supply, claims service collaboration, and technology empowerment [6][8] Group 4: Social Impact and Customer Reach - The partnership has provided disease insurance coverage amounting to 360 billion yuan for nearly 450,000 customers, creating a valuable commercial health protection service matrix for the elderly [5][8] - The companies aim to deepen their strategic collaboration in risk control, health management services, and joint marketing efforts to provide more inclusive and intelligent insurance services [8]

Core Insights - The strategic partnership between Waterdrop and Deutsche Bank AnGu Life has been fruitful since its inception in 2019, focusing on elderly insurance, disability insurance, and non-standard body insurance [3][4][9] - Both companies aim to deepen their collaboration and innovate in life insurance product supply-side reforms, addressing the significant market demand in the aging population and health insurance sectors [7][9] Company Achievements - Deutsche Bank AnGu Life has served 490,000 elderly clients, providing insurance coverage amounting to 60.962 billion yuan and total claims of 253 million yuan as of July 2025 [3] - The company leads the internet disability insurance sector, having provided 11.8 billion yuan in risk coverage to 64,000 clients as of June 2025 [3] - Waterdrop has launched 25 products in collaboration with Deutsche Bank AnGu Life, providing 360 billion yuan in disease insurance coverage to nearly 450,000 clients [4] Product Innovations - The "XiaoQinBao" series of products has evolved to cover 10 common severe diseases among the elderly, with "XiaoQinBao 2" recognized as a leading product in the elderly insurance market [6] - The "Wuyou Guardian" is the first long-term disability insurance available for clients aged 70 and above, offering comprehensive support and innovative features [6] - The "Yisheng Guardian" targets non-standard body individuals, providing tailored coverage for chronic diseases, particularly benefiting the elderly [6] Future Directions - Both companies plan to enhance their strategic collaboration by leveraging their strengths in risk control, health management services, AI applications, and joint marketing efforts [7][9] - The focus will be on expanding their market presence in the elderly, disability, and non-standard insurance sectors, aiming to create a comprehensive ecosystem of services [9]