Waterdrop Inc. (WDH.US) released its 2025 Environmental, Social and Governance (ESG) Report on October 15, systematically disclosing the company's practices and achievements over the past year in AI-driven technological innovation, product and service optimization, talent development, and social responsibility fulfillment.
The report reveals that Waterdrop's ESG rating has been upgraded to A+, placing it among the industry leaders. In 2025, the company firmly advanced its "All in AI" strategy, proposing to evolve from "a tech company that uses AI" into "an AI-native tech company," significantly improving the efficiency and user experience of insurance and medical health services.
Meanwhile, leveraging its internet platform and digital technology advantages, the company focused on areas including critical illness fundraising, rural healthcare, educational assistance, and emergency disaster relief, actively addressing unmet needs.
Waterdrop founder and CEO Shen Peng stated: "Artificial intelligence is reshaping the world at an unprecedented pace. We must continue to uphold our entrepreneurial spirit, enabling Waterdrop's technology and services to adapt to the protection needs of families around the world, while remaining committed to corporate social responsibility, using technological strength to support social security and fulfilling the era's mission of inclusive protection."
AI Empowers Full Business Chain, Technological Innovation Collaborates with Industry Standards
As an insurance technology and medical health platform, Waterdrop has always been committed to promoting integrated innovation across "AI + insurance protection + medical health." In 2025, the company firmly advanced its "All in AI" strategy, building a complete product matrix covering intelligent underwriting, intelligent customer service, voice interaction, and AI Agent collaboration, powered by its self-developed Waterdrop Shoushou large model and Shoushou AI capability system.
To address pain points in health insurance underwriting such as non-standardized medical records, complex policy interpretation, and lengthy manual review cycles, Waterdrop launched its AI underwriting expert "KEYI.AI," which can provide second-level responses to professional questions regarding underwriting risk assessment, coverage recommendations, insurance policy interpretation, and claims process inquiries.
According to the report, KEYI.AI reduced the average processing time for complex health insurance underwriting by 80%, achieved an underwriting accuracy rate of 99.8%, increased underwriting response speed by 260 times, and improved the rate at which customers are matched with suitable insurance products by 6 times.
In terms of risk control for its fundraising business, the Waterdrop fundraising platform introduced AI technology in 2025, building intelligent identification matrices for multiple high-risk scenarios. It conducts precise identification of sensitive identity information and abnormal assets of fundraisers, greatly improving the accuracy and efficiency of platform risk identification and ensuring the authenticity and reliability of fundraising cases on the platform.
It is understood that in 2025, Waterdrop invested 233 million yuan in research and development, with over 100 cumulative AI-related patent applications. Additionally, as a specially invited drafting unit, Waterdrop participated in the compilation of the group standard "Generative Artificial Intelligence Intellectual Property Guidelines," contributing corporate practical experience in generative AI development and deployment, intellectual property protection in compliance management, risk identification, and responsibility definition, helping to promote standardized innovation and risk governance in the generative AI industry.
Building a Diversified Medical and Health Assistance System, Insurance, Rescue, and Pharmaceutical Services Adapted to Differentiated Protection Needs
Waterdrop has consistently focused on the differentiated protection needs of elderly, ill, and female groups, launching diversified inclusive products such as "Jiehaoyun" and "disability insurance," promoting insurance product innovation and enhancing the accessibility and inclusiveness of insurance products. In 2025, under the "Three Good Services" system of "good service, good products, good claims," the company launched 242 customized insurance products throughout the year.
According to the report, Waterdrop Insurance's claims for insurance for the ill reached 55.9852 million yuan, a year-on-year increase of 46.83%. Meanwhile, as a personal fundraising online service platform designated by the Ministry of Civil Affairs, Waterdrop Fundraising continues to leverage mobile internet technology to play its "emergency relief" role, connecting help-seekers with caring individuals through social networks and helping critically ill patients and their families obtain medical assistance.
According to the report, as of the end of 2025, a total of 490 million users had donated 72.3 billion yuan through Waterdrop Fundraising to 3.68 million critically ill patients. In the health services sector, Yifan Pharma provides professional subject recruitment and management services for pharmaceutical research and development, and integrates resources including health consultation, physical examination screening, and medical assistance to enhance comprehensive health life service capabilities.
In 2025, Yifan Pharma enrolled a cumulative total of 14,555 patients, with 1,611 clinical trial projects enrolled, providing patients with more treatment options and hope.
Deepening Government-Enterprise Collaboration and Public Welfare Practices, Improving the Multi-Level Social Assistance and Support Network
Waterdrop is also actively participating in the construction of a multi-level medical security system, jointly building critical illness assistance service platforms such as "Jinqingbang" and "Haihuibang" with local government departments, serving as a beneficial supplement to the current social assistance system and medical security system.
As of December 2025, "Jinqingbang" had cumulatively assisted 724 patients in difficult circumstances in Jinyun County, with total assistance amounting to 16.2428 million yuan; "Haihuibang" had cumulatively assisted 2,915 patients in difficult circumstances, with multi-level medical assistance funds reaching 58.5686 million yuan. The two platforms together mobilized nearly 75 million yuan in social assistance funds.
Focusing on the challenge of weak rural grassroots medical resources, Waterdrop has continued to implement its rural clinic public welfare project, addressing shortcomings in grassroots medical facilities, enabling rural residents to access basic medical services nearby, and consolidating the health foundation for rural revitalization.
As of the end of 2025, the Waterdrop rural clinic project covered 20 provinces, municipalities, and autonomous regions across the country, with 191 clinics cumulatively built, benefiting over 500,000 people, effectively improving grassroots medical conditions and enhancing the accessibility of rural medical services.
Furthermore, Waterdrop has continued to expand its assistance boundaries, balancing routine social assistance with emergency disaster response, becoming a stable and reliable assistance force interface in the social assistance system. When facing various sudden disasters and special group assistance needs, the company proactively takes responsibility and responds quickly. For example, in rescue and reconstruction efforts for the Tibet earthquake, North China floods, and Hong Kong fire, it was able to rapidly mobilize social compassion forces to support frontline rescue operations.
According to the report, as of the end of 2025, the Waterdrop public welfare platform had cumulatively raised 1.389 billion yuan, cooperated with 119 public fundraising charitable organizations, and launched over 15,500 public welfare projects.
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