Core Insights - Waterdrop Inc. released its 2024 ESG report, showcasing its achievements in governance, technology innovation, product responsibility, talent development, environmental protection, and sustainable ecology, maintaining an A rating in the industry [1] Group 1: Technology Innovation - The company has focused on AI technology innovation, with over 100 AI-related patents and an annual R&D investment of 217 million yuan [1] - The "Waterdrop Water Guardian Model" provides professional and understandable advice for insurance agents and users, capable of natural dialogue for up to 50 minutes and covering over 10,000 medical insurance-related questions [2] - In 2024, the company launched 174 inclusive insurance products, addressing the differentiated needs of elderly, sick, and female groups [2] Group 2: Social Responsibility - Waterdrop has actively participated in building a multi-level medical security system, raising over 67.5 billion yuan in donations to assist 3.4 million patients with severe illnesses [3] - The company has established 30 rural clinics in 2024, benefiting over 500,000 individuals, and has built a comprehensive service system covering insurance protection, severe illness assistance, and medical innovation [4] - The report disclosed greenhouse gas emissions data, showing a reduction of 33.32% in the company's operational emissions to 402.22 tons of CO2 equivalent [4] Group 3: Recognition and Validation - Experts have praised the ESG report for its rich content and detailed data, highlighting the integration of sustainable business strategy and social responsibility [5]

Core Insights - Waterdrop Inc. released its 2024 ESG report, showcasing its achievements in governance, technology innovation, product responsibility, talent development, environmental protection, and sustainable ecology, maintaining an A rating in the industry [1] Group 1: Technology Innovation - Waterdrop has focused on AI technology innovation, with over 100 AI-related patents and an annual R&D investment of 217 million yuan [1] - The "Waterdrop Water Guardian Model" provides professional and understandable advice for insurance brokers and users, capable of natural dialogue for up to 50 minutes and covering over 10,000 medical insurance-related questions [2] Group 2: Social Responsibility - Waterdrop has actively participated in building a multi-level medical security system, raising over 67.5 billion yuan in donations to assist 3.4 million patients with severe illnesses [3] - The company has constructed 30 rural clinics in 2024, benefiting over 500,000 individuals, and has developed a comprehensive service system covering insurance protection, severe illness assistance, and medical innovation [4] Group 3: Environmental Impact - The report disclosed greenhouse gas emissions and waste management data, with the company's operational emissions at 402.22 tons of CO2 equivalent, a 33.32% decrease year-on-year [4] - The report emphasizes the integration of sustainable business strategies with social responsibility, highlighting efforts in technology innovation and ecosystem development [5]

智通财经APP获悉，9月25日，水滴公司(WDH.US)发布《2024年环境、社会及管治(ESG)报告》(以下简称"报告")，全方位披露了水滴公司过去一年在企业 管治、技术创新、产品责任、人才发展、环境保护、可持续生态等方面的科技探索和实践成果。水滴公司ESG的评级分数继续保持A，依然位于行业前列。 水江 2024年12月25日，水滴筹正式成为民政部指定的个人求助网络服务平台，标志着行业进入到更加健康规范发展的新阶段。截至2024年底，在4.7亿爱心人士 的捐助下，水滴筹共筹集救助款项675亿元，帮助了340万大病患者。与此同时，基于大病筹款主要依托患者社交网络传播的特殊属性，水滴筹平台还引入了 公众举报机制，邀请公众一起参与监督，让真正需要帮助的人得到救助。 《报告》显示，一方面，水滴公司持续关注AI技术创新，人工智能专利数量超百件，持续提升用户产品体验;另一方面积极投身公益事业，聚焦特殊困难群 体救助，乡村振兴、教育助学、应急救灾等议题，致力于推动社会问题的改善。水滴公司创始人兼首席执行官沈鹏强调："作为一家以使命与价值观驱动的 创新企业，我们不只将成功的标准局限于短期的经济收益，而是建立在环境、社会和治 ...

持续深化AI技术创新，人工智能专利数量超百件。水滴公司自2019年就开始尝试用AI解决保险供 给端不足的问题。依托领先的研发实力，围绕用户需求、高效运营等业务重点，水滴公司自主研发"水 滴水守大模型"，于2024年通过国家网信办算法备案，并获得多项大模型研发专利授权。截至2024年底 大模型相关专利累计申请数量48件，人工智能相关专利累计授权数量超百件。《报告》显示，2024年水 滴公司持续深化科技创新，年度研发投入达2.17亿元。 《报告》显示，水滴公司自2021年起陆续在浙江缙云、海南、广州与各地医保、民政部门开展政社 救助衔接与协同。截至2024年底，通过浙江缙云"缙情帮"医保防贫应用共计救助632人，动员社会参与 金额达1387.96万元；通过海南"海惠帮"多层次医疗救助信息平台共计救助1929人，累计救助总金额超 过3900万元。 聚焦特殊困难群体救助，乡村医务室覆盖50万余受益人。水滴公司始终以"用互联网科技助推广大 人民群众有保可医，保障亿万家庭"为使命，将社会责任融入企业发展内核。截至目前，公司已形成覆 盖保险保障、大病救助、医药创新的全链条服务体系。《报告》显示，水滴公司积极投身社会公益事 ...

北京民营企业专精特新百强以企业年度经营情况、研发创新能力、产业发展定位等为核心指标，综合考 量企业依法合规经营、诚实守信等方面情况，根据核心指标和辅助指标的量化赋值确定入围榜单企业， 入围企业均在科技创新方面取得重大成果。 作为北京民营企业专精特新百强榜的入选者，水滴公司始终将科技创新作为核心竞争力，并搭建"All in AI"的科技发展战略，依托数字化建设与自主研发的AI大模型，深度赋能保险服务全流程，实现业务流 程的线上化、标准化、数智化，在为用户提供更便捷、更普惠的保险服务的同时，显著提升业务效益， 驱动公司高质量发展。 （原标题：水滴公司(WDH.US)入选2025"北京民营企业专精特新百强榜"） 9月19日，北京市工商联、北京市通州区人民政府联合召开2025北京民营企业百强发布会，公布了2025 北京民营企业"1+3"百强榜单。凭借在科技创新方面的丰硕成果，水滴公司(WDH.US)入选2025年"北京 民营企业专精特新百强榜"。 基于"水滴水守大模型"技术底座，水滴持续提升服务效率与质量，优化用户体验。在辅助销售环节，公 司已形成AI驱动的增长引擎，自研的"水滴水守"AI保险专家凭借多模态交互能力， ...

Group 1 - The core viewpoint of the news is the recognition of Waterdrop Company as a leading private enterprise in Beijing, emphasizing its achievements in technological innovation and its inclusion in the 2025 Beijing Private Enterprises "Specialized, Refined, Unique, and Innovative" Top 100 list [1][4] - Waterdrop Company has established an "All in AI" technology development strategy, leveraging digital construction and self-developed AI models to enhance the entire insurance service process, resulting in improved efficiency and user experience [3] - The company has developed the "Waterdrop Water Guardian Model," which has received multiple patent authorizations and is expected to drive high-quality growth through enhanced service efficiency and quality [3] Group 2 - The Beijing Private Enterprises Top 100 list has been conducted annually since 2018, aiming to identify high-quality private enterprises that align with the capital's functional positioning and contribute to the high-quality development of the private economy [4] - Waterdrop Company has also been recognized for its social responsibility initiatives, marking its continuous inclusion in the Beijing Private Enterprises Top 100 as both a responsibility and an acknowledgment of its technological innovations [4] - The company aims to maintain a user-centered approach and continue investing in technology and service innovation to create greater social value in the future [4]

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 - Waterdrop Company has launched the first AI underwriting expert "KEYI.AI" in the insurance industry to address complexities in insurance products and improve user experience [1][2][4] - The AI system significantly reduces the average processing time for health insurance underwriting by 80% and increases response speed by 260 times, achieving a 99.8% accuracy rate in underwriting [2][3] - "KEYI" is designed to assist both insurance professionals and ordinary users, providing quick responses to inquiries and enhancing the overall insurance service experience [3][4] Group 1 - 48% of respondents find insurance products overly complex, leading to decision-making difficulties [1] - Traditional underwriting processes are slow and fragmented, negatively impacting user experience [1] - "KEYI.AI" enables 24/7 user service with instant responses and precise replies [1][2] Group 2 - The AI underwriting system helps insurance companies quickly identify clients who do not meet health criteria, reducing the risk of adverse selection [2] - "KEYI" covers thousands of insurance product terms and utilizes a vast database for risk assessment and claims processing [2][3] - The system can be integrated within three days, enhancing onboarding speed for new insurance agents by 300% [3] Group 3 - Waterdrop invests nearly 300 million yuan annually in R&D and holds over 100 technology patents [4] - The company has developed multiple AI products, including AI agents and intelligent customer service solutions, to improve service efficiency [4] - The founder emphasizes that the future competition in the industry will focus on algorithm precision and data quality rather than just manpower and capital [4]

Group 1 - The core viewpoint of the article highlights the recognition of Shen Peng, founder and CEO of Waterdrop, for his contributions to technological innovation and talent cultivation in the context of the 2025 Innovation Initiative by the Beijing Association for Science and Technology [1][3] - Waterdrop is recognized as a pioneer in applying AI large models in the insurance and healthcare sectors, investing nearly 300 million yuan annually in R&D and holding over 100 technology patents [3][4] - The company has developed its own insurance industry large model, the Waterdrop Water Guardian Model, which has received dual registrations for generative AI services and deep synthesis service algorithms, significantly enhancing efficiency in sales processes [3][4] Group 2 - Shen Peng has been acknowledged for his extensive experience and expertise in the technology and internet sectors, leading Waterdrop to become a leading technology platform in insurance and health services in China [4] - The company actively promotes an "All in AI" strategy, encouraging employees to explore AI application scenarios to enhance business efficiency and expand global reach [5] - Shen Peng has received numerous accolades for his contributions to the industry, including recognition as an advanced individual in employment and entrepreneurship in Beijing, and has been listed in prestigious rankings such as Forbes' "30 Under 30 Asia" [4]

在此背景下，水滴公司（ WDH.US ）交出了一份亮眼的成绩单：全年净利润同比激增 119.8% ，连续 12 个季度盈利， AI 技术对业务的全场景 赋能效果显著。 从 "流量平台"到"科技驱动型服务商"，水滴的转型路径不仅折射出保险行业的变革方向，更成为观察 AI 产业化落地的典型案例。 来源 | 美股研究社 2025 年，保险科技领域迎来新一轮竞争洗牌。随着 AI 大模型技术加速渗透，行业从"流量争夺"转向"效率革命"，头部企业的技术壁垒成为核 心竞争力。 基于对用户需求的深度洞察，以及强大的数据分析和精算能力，水滴保所上线的产品，大部分都是与保险公司联合定制的专属产品。 2024 年，水滴筹持续发挥其"救急难"的重要社会价值，积极助力多层次医疗保障体系建设。截至 2024 年 12 月 31 日，累计约 4.7 亿用户通 过水滴筹平台，向超过 340 万名患者捐赠了总额达 675 亿元的善款。 2024 年 12 月，水滴筹迎来了具有里程碑意义的时刻，正式成为民政部首批指定的个人求助网络服务平台。 财 务 亮 眼 背 后 ， 保 险 科 技 正 在 破 解 盈 利 难 题 ？ 财报数据显示， 2024 ...