近日，香港品质保证局"绿色和可持续金融论坛 2025"在香港顺利举行。香港特别行政区财经事务及库务局局长许正宇先生, GBS, JP担任主礼嘉宾，活动共 吸引逾400位高级行政人员出席，与会者分别来自政府部门、中外银行和金融机构、中外企业、商会组织、学术机构等领域。论坛同场举行了"香港绿色和可 持续金融大奖2025"嘉许仪式，水滴公司(WDH.US)凭借其在环境、社会及治理(ESG)领域的实践成果以及在可持续相关信息披露方面的突出表现，荣获"ESG 披露贡献先锋奖"。 据智通财经APP了解，香港品质保证局是香港政府成立的非牟利公营机构，其设立的"香港绿色和可持续金融大奖"旨在表彰在绿色金融、碳中和及ESG披露 等方面作出杰出贡献的机构。今年共有近70家来自香港及内地的企业、银行及金融服务机构获嘉许。水滴公司继2024年之后再获奖项，充分显示香港品质保 证局对水滴长期坚持可持续发展道路、不断完善ESG管治体系和积极开展ESG信息披露与实践的充分认可。香港品质保证局主席黄家和教授, BBS, JP致开幕 词，并表示："期望今天的论坛为区内机构带来更多重要启发，助力各界以创新思维开拓更智慧、更具韧性的可持续发展路径 ...

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 report indicates a rapid growth in China's chronic illness insurance market, with a market size exceeding 12 billion yuan in 2024, reflecting a 50% year-on-year increase [1] - Waterdrop Insurance plans to launch 214 innovative chronic illness insurance products by 2025, leveraging AI technology to promote inclusivity in insurance coverage [1] Group 1: Market Demand and Challenges - The elderly population in China has reached 310 million, accounting for 22% of the total population, with 75% suffering from at least one chronic disease [2] - The prevalence of chronic diseases among the youth is alarming, with rates of sub-health and chronic diseases being twice that of the elderly [2] - The average treatment cost for chronic illness patients is 87,000 yuan, which is 2.1 times the annual disposable income of residents in 2024, indicating a significant protection gap [2] Group 2: Insurance Accessibility Issues - Nearly 30% of chronic illness patients face rejection for insurance due to inability to pass health disclosures [3] - A significant portion of the population expresses a strong willingness to pay extra premiums for coverage of pre-existing conditions, with an average willingness to pay 4,049 yuan annually [3] - The report highlights the need for government and industry collaboration to enhance the development of chronic illness insurance products [3] Group 3: AI and Product Innovation - Waterdrop Insurance has launched 214 chronic illness insurance products, including 34 that are industry-first innovations, and 37 that support no health disclosures [4] - The application of AI technology has significantly reduced the average processing time for health insurance underwriting by 80% [6] - Waterdrop Insurance has initiated a "Universal Product Alliance" with 18 insurance companies to focus on the insurance needs of chronic illness patients and other specific demographics [6]

Core Insights - The report indicates a rapid growth in the chronic illness insurance market in China, with the market size surpassing 12 billion yuan in 2024, reflecting a 50% year-on-year increase [1] - Waterdrop Insurance plans to launch 214 innovative chronic illness insurance products by 2025, leveraging AI technology to promote inclusivity in insurance coverage [1] Group 1: Market Demand and Challenges - The elderly population in China has reached 310 million, accounting for 22% of the total population, with 75% suffering from at least one chronic illness [2] - The prevalence of chronic diseases among the youth is alarming, with their rates being twice that of the elderly, highlighting a significant gap in insurance coverage for this demographic [2] - The average treatment cost for chronic patients is 87,000 yuan, which is 2.1 times the national annual disposable income, indicating a substantial protection gap [2] Group 2: Insurance Accessibility Issues - Nearly 30% of chronic illness patients face rejection due to inability to pass health disclosures, with 52.4% feeling there are limited insurance options available [4] - A strong willingness to pay for coverage exists, with 75.4% of respondents willing to pay extra premiums for coverage of pre-existing conditions, averaging 4,049 yuan annually [4] Group 3: AI and Product Innovation - Waterdrop Insurance has launched 214 chronic illness insurance products, including 34 that are industry-firsts, and 37 that allow for coverage without health disclosures [6] - The use of AI and big data is emphasized as crucial for improving underwriting, pricing, and health management capabilities, making risk assessment more accurate [6][8] - The AI underwriting tool "KEYI.AI" significantly reduces the average processing time for health insurance applications by 80%, enhancing user experience [8] Group 4: Collaborative Efforts for Inclusive Insurance - Waterdrop Insurance has initiated a "Inclusive Product Alliance" with 18 insurance companies to focus on the insurance needs of chronic patients, the elderly, and maternal groups [8] - The goal is to create affordable and accessible insurance products that meet the needs of various demographics, ensuring that insurance serves its fundamental purpose of protection [8]

Core Insights - The third "Management Change and Corporate Sustainable Development" international academic conference was held, focusing on "AI Development and Corporate Continuous Innovation" with nearly 300 experts and representatives attending [1] - Waterdrop Company won the Global Best Case Brand Award for its contributions in the field of inclusive protection, with 11 companies recognized out of over 100 nominees [1][4] - Waterdrop Company is a leading insurance technology and healthcare platform in China, established in 2016, aiming to provide health protection solutions [2] Company Overview - Waterdrop Company operates multiple businesses including Waterdrop Fundraising, Waterdrop Insurance, Yifan Medicine, Waterdrop Finance, and Luhang Wuyou, creating a diverse service ecosystem [2] - Since 2019, Waterdrop has invested nearly 300 million yuan annually in technology research and development to address supply-side issues in insurance using AI [2] - By the end of 2024, Waterdrop had applied for 48 patents related to its self-developed "Waterdrop Water Guardian Model" and had over 100 authorized patents in AI [2] Product Innovation - The "Waterdrop Water Guardian Model" enhances the insurance service chain by providing professional, accurate, and easy-to-understand advice for insurance agents and users [3] - Waterdrop has launched inclusive products like "Good Pregnancy" and "Medical Insurance" to meet the differentiated protection needs of elderly, sick, and pregnant groups [3] - As of 2025, Waterdrop Insurance had launched 214 sick body insurance products, with 34 being domestic firsts, and an average of 1.14 days to launch a new product [3] Social Impact - Waterdrop Fundraising has facilitated medical assistance, with approximately 4.8 billion people donating around 70 billion yuan to over 3.54 million patients by June 2025 [3] - The company aims to create user value through inclusive protection and plans to focus more on this area while leveraging AI technology [4]

Core Insights - The report highlights the growing challenge of providing insurance for individuals with pre-existing conditions in the context of an aging population and increasing chronic diseases among younger people [1][2] - The average treatment cost for this group is approximately 90,000 yuan, which is 2.1 times the annual disposable income of residents, indicating a significant financial burden [1] - The insurance industry is viewing insurance for individuals with pre-existing conditions as a key area for innovation and inclusive health insurance solutions [1][6] Group 1: Market Demand and Challenges - Nearly 30% of individuals with pre-existing conditions are denied coverage due to health disclosures, and many are unaware that they can obtain insurance despite their conditions [2][3] - Over 75% of this group desires insurance products that cover their existing conditions and are willing to pay extra premiums for such targeted coverage, indicating a substantial unmet demand in the market [2] - Medical insurance has become a necessity for 44.5% of individuals with pre-existing conditions, with specialized products for cancer recurrence and disability risks emerging as important supplements [2][3] Group 2: Differentiated Needs Among Subgroups - Older individuals with pre-existing conditions have a stronger demand for long-term stable coverage due to higher treatment costs and longer illness duration [3] - Younger individuals are more affected by sub-health and chronic diseases, preferring insurance products with lower entry barriers and flexible coverage [3] - There is a significant demand for insurance that covers pregnancy-related health issues among the mother and baby demographic [3] Group 3: Role of AI in Insurance Innovation - AI is driving systemic changes across the insurance service chain, addressing the challenges faced by individuals with pre-existing conditions [4][5] - Waterdrop Insurance has launched 214 insurance products for individuals with pre-existing conditions, with 34 being first-of-their-kind in China, and an average of 1.14 days to launch a new product [4] - AI has improved user experience and operational efficiency, with AI customer service achieving an average response time of 1.5 seconds and significantly reducing underwriting processing time [4][5] Group 4: Industry Collaboration and Ecosystem Development - Waterdrop Insurance has initiated a "Universal Product Alliance" with 18 insurance companies to scale up inclusive insurance solutions through industry collaboration [6] - The former vice-chairman of the China Insurance Regulatory Commission emphasized the need for policy, industry, and technology to work together to promote high-quality development of insurance for individuals with pre-existing conditions [6] - The insurance service chain requires enhanced collaboration among institutions to build a more robust and open insurance future, ensuring that inclusive coverage reaches all who need it [6] Group 5: Future Development Path - The development path for insurance for individuals with pre-existing conditions is becoming clearer, representing a new growth curve for the insurance industry and a commitment to inclusive and technology-driven values [7]

Core Insights - The core message emphasizes the transformation of the insurance industry from a supply-driven model to a demand-driven model, focusing on understanding user needs and providing tailored services [1][4][14] Group 1: Service Ecosystem Development - Waterdrop Insurance has launched the "Three Good Service Alliance" with 18 insurance companies to address the protection gaps for underrepresented groups such as those with pre-existing conditions, the elderly, and mothers [2][5] - The "Three Good Service" framework focuses on providing good products, good services, and good claims processes, aiming to enhance user experience and satisfaction [1][11] Group 2: Focus on Pre-existing Conditions - A report released at the conference highlights that the average treatment cost for individuals with pre-existing conditions is 87,000 yuan, which is 2.1 times the average disposable income, indicating a significant protection gap [4][5] - The report also notes that over 60% of critical illness patients face out-of-pocket expenses exceeding 100,000 yuan, underscoring the urgent need for better insurance products tailored to this demographic [4][5] Group 3: Product Innovation and AI Integration - Waterdrop has introduced 214 insurance products for individuals with pre-existing conditions, with 34 being first-of-their-kind in China, and an average of 1.14 days to launch a new product [5][12] - The company invests 300 million yuan annually in AI research, resulting in over 100 technology patents and the development of a proprietary AI model to enhance product customization, underwriting, and claims processing [8][9] Group 4: Claims Processing Enhancement - The "Help Help Claim" service has processed over 200,000 claims, with a nearly 98% success rate for first-time submissions, demonstrating the effectiveness of integrating AI with human support in claims management [11][12] - The average processing time for general claims has been reduced by 43.3% through the AI and human collaboration model, improving overall efficiency in claims handling [12][13]

Core Insights - The report highlights the growing challenge of providing insurance for individuals with pre-existing conditions in the context of an aging population and increasing chronic diseases among younger people [1][2] - The average treatment cost for this group is approximately 90,000 yuan, which is 2.1 times the annual disposable income of residents, indicating a significant financial burden [1] - The insurance industry is viewing the development of insurance products for individuals with pre-existing conditions as a key area for innovation and inclusive coverage [1][4] Group 1: Market Demand and Challenges - Nearly 30% of individuals with pre-existing conditions are denied coverage due to health disclosures, while others face exclusions or significantly higher premiums [2] - Over 75% of this group desires insurance that covers their existing conditions and is willing to pay extra for such targeted coverage, indicating a substantial unmet demand in the market [2] - Medical insurance has become a necessity for 44.5% of individuals with pre-existing conditions, with specialized products for cancer recurrence and disability risks emerging rapidly [2] Group 2: Differentiated Needs Among Subgroups - The elderly with pre-existing conditions have a stronger demand for long-term stable coverage due to higher treatment costs and longer illness duration [3] - Younger individuals are more affected by sub-health and chronic diseases, preferring insurance products with lower entry barriers and flexible coverage [3] - There is a significant need for insurance covering pregnancy-related health issues among certain segments of the mother and baby demographic [3] Group 3: Role of AI in Insurance Innovation - AI is driving systemic changes across the insurance service chain, addressing the challenges faced by individuals with pre-existing conditions [4][6] - The integration of AI and big data has accelerated product innovation, with 214 insurance products for individuals with pre-existing conditions launched by Waterdrop Insurance by 2025, including 34 first-of-their-kind products [4] - AI has improved user experience and operational efficiency, with AI-driven customer service and underwriting processes significantly reducing response times and increasing accuracy [6] Group 4: Industry Collaboration and Future Directions - The establishment of the "Inclusive Product Alliance" by Waterdrop Insurance and 18 other insurance companies aims to transform isolated innovations into scalable inclusive coverage [7] - The collaboration emphasizes the need for policy, industry, and technology to work together to enhance the quality of insurance for individuals with pre-existing conditions [7] - The insurance sector is encouraged to expand from mere compensation to comprehensive risk management, integrating prevention and recovery services [7][8]

Core Insights - The second "Gathering Strength, Achieving Common Good" Waterdrop Insurance Service Ecosystem Conference was successfully held, where the "Research Report on Innovative Insurance for People with Pre-existing Conditions (2025)" was released, highlighting the protection status and demand pain points of the pre-existing condition population in China [1][5][12] - Waterdrop Insurance, in collaboration with 18 insurance companies, established the "Inclusive Product Alliance" to focus on the insurance needs of specific groups such as those with pre-existing conditions, the elderly, and mothers and infants, aiming to promote inclusive insurance services through AI empowerment and product co-creation [1][18] Group 1: Conference Highlights - The conference featured notable figures from the insurance industry, including former officials from the China Insurance Regulatory Commission and representatives from various insurance companies and media [4] - The development of insurance for people with pre-existing conditions is seen as a key measure for expanding coverage and serving public welfare, aligning with national development goals [5][7] Group 2: Research Findings - The average annual medical expenditure for individuals with pre-existing conditions is approximately 87,000 yuan, which is 2.1 times the average disposable income of residents, indicating a significant protection gap [12] - Over 60% of severe disease patients incur out-of-pocket expenses exceeding 100,000 yuan, highlighting the urgent need for better insurance solutions [12] - Young adults are experiencing a rising prevalence of sub-health and chronic diseases, with rates twice that of the elderly, necessitating innovative insurance products [12] Group 3: Product and Service Innovations - Waterdrop Insurance has launched 214 innovative insurance products for people with pre-existing conditions, with 34 being first-of-their-kind in the country, and an average of 1.14 days to launch a new product [14] - The introduction of AI-driven services, such as the AI customer service "Bao Xiaohui," has significantly improved service efficiency, achieving a response time of 1.5 seconds and a 40-fold increase in service capacity [17] - The establishment of the "Inclusive Product Alliance" aims to create affordable and accessible insurance products for the public, with participation from 18 insurance companies [18]

Core Insights - The second "Gathering Strength, Achieving Common Good" Waterdrop Insurance Service Ecosystem Conference was successfully held, where a report on the innovation of insurance for individuals with pre-existing conditions was released, highlighting the current protection status and demand pain points for this demographic [1][9] - Waterdrop Insurance established the "Inclusive Product Alliance" with 18 insurance companies to focus on the protection needs of specific groups such as individuals with pre-existing conditions, the elderly, and mothers and infants, aiming to promote inclusive insurance services through AI empowerment and product co-creation [1][16] Group 1 - The average annual medical expenditure for individuals with pre-existing conditions is nearly 90,000 yuan, indicating a significant protection gap that needs to be addressed [3][9] - The development of insurance for individuals with pre-existing conditions aligns with the national "14th Five-Year Plan" principles of prioritizing people's needs and high-quality development, and is essential for expanding coverage and improving service in the insurance industry [3][5] - The report indicates that over 60% of critical illness patients incur out-of-pocket expenses exceeding 100,000 yuan, and the prevalence of chronic diseases is increasing among younger populations, necessitating innovation in insurance products [9][10] Group 2 - Waterdrop Insurance has launched 214 insurance products for individuals with pre-existing conditions, with 34 being industry firsts, and has introduced innovative products such as a medical insurance plan that does not require health declarations [10][12] - The "Three Good Services" initiative, focusing on "Good Products," "Good Services," and "Good Claims," aims to enhance the overall service experience through AI and big data technology [13][14] - The establishment of the "Inclusive Product Alliance" aims to develop affordable and accessible insurance products for the public, with participation from various insurance companies to strengthen collaboration and trust within the industry [16]