Waterdrop Inc. has recently had its ESG rating upgraded from 'A' to 'A+' following a professional assessment. The company demonstrated superior performance compared to the industry average across all three core areas: Environmental, Social, and Governance. Concurrently, its score in the S&P Global Corporate Sustainability Assessment also improved. This advancement signifies that Waterdrop Inc.'s sustainable development efforts are solidly progressing from foundational construction to refined operations.
For years, Waterdrop Inc. has adhered to its core corporate principle of "harnessing technology for good and walking hand-in-hand with responsibility." The company has deeply integrated sustainable development concepts into its strategic planning, operational management, and business practices. It consistently publishes standardized ESG reports and continuously improves its ESG governance framework, leading to a steady enhancement in ESG management performance. These actions concretely fulfill the corporate mission of "using internet technology to help the broad public access medical protection and safeguard hundreds of millions of families."
Since 2019, Waterdrop Inc. has been pioneering innovation on the supply side of its Waterdrop Bao insurance business through the application of AI. Leveraging strong R&D capabilities and focusing on key business areas like user needs and operational efficiency, the company independently developed the "Waterdrop Shou Large Model." The "Waterdrop Shou AI Insurance Expert" component of this model can engage in natural conversations for up to 50 minutes and comprehend details—such as health declarations, coverage scope, and claim terms—for over 7,000 different insurance products, providing users with high-quality, full-process insurance services.
Furthermore, Waterdrop Bao continuously addresses the distinct protection needs of specific groups, including the elderly, individuals with pre-existing conditions, and expectant or new mothers. It has launched inclusive products like "Jie Hao Yun" and "Kan Bing Bao" to drive insurance product innovation and enhance the accessibility and inclusivity of insurance offerings.
Simultaneously, Waterdrop Inc. maintains a strong focus on aiding vulnerable groups and contributing to rural revitalization, educational support, and disaster relief, striving to help ameliorate social issues. As of September 2025, the company's Waterdrop Chou platform had assisted 3.61 million patients with serious illnesses, raising 71.2 billion yuan in aid donations with support from 485 million donors. The Waterdrop Juhui Foundation's "Waterdrop Rural Clinic" project has established 188 rural clinics, benefiting over 500,000 people. The Waterdrop Gongyi platform has partnered with 119 public fundraising charities, launched more than 15,500 public welfare projects, attracted over 73.57 million compassionate netizens, and raised funds exceeding 1.383 billion yuan.
In environmental management, Waterdrop Inc. has progressed from advocating concepts to implementing quantitative management and systematic practices. The company has conducted a comprehensive greenhouse gas inventory covering Scope 1, Scope 2, and Scope 3 emissions. Notably, its proactive calculation and disclosure of Scope 3 emissions indicate that its environmental management scope now extends beyond its own operations to encompass broader ecological impacts. Additionally, through initiatives promoting green office practices and energy efficiency improvements, the company has achieved a significant year-on-year reduction in its operational greenhouse gas emissions. These efforts fully demonstrate the scientific rigor and effectiveness of Waterdrop Inc.'s environmental management, setting a practical benchmark for the industry's green and low-carbon transformation.
Looking ahead, Waterdrop Inc. will continue to be driven by its commitment to leveraging technology for good and acting responsibly. The company is dedicated to further elevating its ESG governance standards and steadily advancing towards its goal of becoming a benchmark enterprise renowned for both its social compassion and resilient governance.
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