{"success":true,"data":{"pressRelease":{"id":"170518","rtpr_id":"nPNAb9KKHa-20261015","ticker":"717Y","exchange":"","all_tickers":["717Y"],"title":"Waterdrop Inc. Releases 2025 ESG Report: Empowering Full-Chain Business with AI and Building an Inclusive, Diverse Healthcare Ecosystem","author":"PR Newswire","published_at":"2026-10-15T13:18:02.077Z","article_body":"Waterdrop Inc. Releases 2025 ESG Report: Empowering Full-Chain Business with\nAI and Building an Inclusive, Diverse Healthcare Ecosystem\nPR Newswire\n\nBEIJING, Oct. 15, 2026\n\nBEIJING, Oct. 15, 2026 /PRNewswire/ -- On October 15, Waterdrop Inc. released\nits 2025 Environmental, Social and Governance (ESG) Report (hereinafter the\n\"Report\"), outlining the Company's practices and achievements over the past\nyear in AI-driven technological innovation, product and service optimization,\ntalent development, and corporate social responsibility. Waterdrop Inc.'s ESG\nrating has been upgraded to A+, consolidating the Company's position at the\nforefront of the industry.\n\n\nAccording to the Report, in 2025, Waterdrop Inc. firmly advanced its \"All in\nAI\" strategy and accelerated its evolution from a technology company that uses\nAI to an AI-native technology company, significantly improving the efficiency\nand user experience of its insurance and healthcare services. Meanwhile,\nleveraging the strengths of its internet platform and digital technologies,\nthe Company focused on medical crowdfunding, rural healthcare, educational\nassistance, and emergency disaster relief, proactively bridging gaps to\naddress critical pain points.\n\nShen Peng, Founder and Chief Executive Officer (CEO) of Waterdrop Inc., said:\n\"Artificial intelligence is reshaping the world at an unprecedented speed. We\nwill continue to embrace the entrepreneurial spirit, adapting Waterdrop's\ntechnology and services to the insurance and healthcare needs of families\naround the world. At the same time, we will remain steadfast in our corporate\nsocial responsibility, harnessing technology to strengthen social protection\nand fulfill our era's mission of making protection more inclusive.\"\n\nAI Empowers End-to-End Business Operations, Technological Innovation and\nCollaborative Development of Industry Standards\n\nAs an insurance technology and healthcare platform, Waterdrop Inc. has\nremained committed to driving integrated innovation across \"AI + insurance\nprotection + healthcare.\" In 2025, the Company firmly advanced its \"All in AI\"\nstrategy and, building on its proprietary Waterdrop Guardian LLM and Waterdrop\nGuardian AI Capability Suite, continued to build a product portfolio spanning\nintelligent underwriting, AI-powered customer service, voice interaction, and\nAI agent collaboration.\n\nTo address pain points in health insurance underwriting, including\nnon-standardized medical records, complex policy terms, and lengthy manual\nreview cycles, Waterdrop Inc. launched KEYI.AI, an AI underwriting expert.\nKEYI.AI responds within seconds to specialized insurance inquiries concerning\nunderwriting risk assessments, underwriting recommendations, interpretations\nof policy terms, and claims procedures. According to the Report, KEYI.AI\nreduced the average processing time for complex health insurance underwriting\nby 80%, achieved an underwriting accuracy rate of 99.8%, and increased\nunderwriting response speed by 260 times the previous speed. The rate at which\ncustomers were matched with suitable insurance products increased to six times\nthe previous rate.\n\nIn 2025, Waterdrop Medical Crowdfunding also introduced AI into its\nrisk-control processes, building an intelligent identification matrix for\nmultiple high-risk scenarios. The platform can accurately identify risk\nindicators, including sensitive identity information of fundraisers and\nabnormal assets, significantly improving the accuracy and efficiency of risk\nidentification and helping ensure the authenticity and reliability of\ncrowdfunding cases. In 2025, Waterdrop Inc. invested RMB 233 million in R&D.\nAs of the end of 2025, the Company had cumulatively filed more than 100\nAI-related patent applications.\n\nIn addition, Waterdrop Inc., as an invited drafting organization, participated\nin developing the association standard Guidelines for Intellectual Property in\nGenerative Artificial Intelligence. The Company shared its practical\nexperience regarding the development and deployment of generative AI,\nintellectual property protection in compliance management, risk\nidentification, and the clarification of responsibilities, supporting\nresponsible innovation and effective risk governance across the generative AI\nindustry.\n\nBuilding a Diversified Healthcare Assistance System, Tailoring Insurance,\nMedical Assistance, and Pharmaceutical Services to Differentiated Protection\nNeeds\n\nWaterdrop Inc. continues to focus on the differentiated protection needs of\nolder adults, individuals with pre-existing conditions, and women. The Company\nhas launched a range of inclusive products, including the \"Jiehaoyun\" (a\nmaternity protection plan) and disability insurance, to drive product\ninnovation and enhance the accessibility and inclusiveness of insurance\nproducts. In 2025, under its \"Three Good Services\" system centered on \"quality\nservice, tailored products and responsive claims,\" Waterdrop Insurance\nMarketplace launched 242 customized insurance products. According to the\nReport, claims paid for pre-existing medical condition insurance through\nWaterdrop Insurance Marketplace totaled RMB 55.9852 million, representing a\nyear-on-year increase of 46.83%.\n\nMeanwhile, as an Online Personal Help-seeking Service Platform designated by\nthe Ministry of Civil Affairs of China, Waterdrop Medical Crowdfunding\ncontinues to leverage mobile internet technology to provide assistance to\npeople facing urgent difficulties. Through social networks, the platform\nconnects help-seekers with caring individuals, enabling patients with critical\nillnesses and their families to raise funds for medical treatment. According\nto the Report, as of the end of 2025, 490 million users had donated RMB 72.3\nbillion to 3.68 million patients with critical illnesses through Waterdrop\nMedical Crowdfunding.\n\nIn healthcare services, E-Find Patient Recruitment provides professional\nsubject recruitment and management services for pharmaceutical R&D. It also\nintegrates health consultations, medical check-ups and screenings, and medical\nassistance to strengthen its comprehensive health and wellness service\ncapabilities. As of the end of 2025, E-Find Patient Recruitment had enrolled\n14,555 patients across 1,611 clinical trial projects, bringing patients more\ntreatment options and renewed hope.\n\nDeepening Government-Enterprise Collaboration and Public Welfare Practices,\nImproving the Multi-level Social Assistance and Support Network\n\nWaterdrop Inc. has also actively participated in building a multi-level\nmedical protection system, working with local government departments to\ndevelop critical illness assistance service platforms such as \"Jin Qing Bang\"\nand \"Hai Hui Bang.\" These platforms provide a valuable complement to existing\nsocial assistance and medical protection systems. As of December 2025, Jin\nQing Bang had provided assistance to 724 patients in financial hardship in\nJinyun County, with total assistance amounting to RMB 16.2428 million. Hai Hui\nBang had assisted a cumulative total of 2,915 patients in financial hardship,\nand the total amount of multi-level medical assistance reached RMB 58.5686\nmillion. Together, the two platforms mobilized nearly RMB 75 million in social\nassistance funding.\n\nTo address gaps in primary healthcare resources in rural areas, Waterdrop Inc.\nhas continued to implement the charitable Waterdrop Rural Clinics program,\nhelping improve local medical infrastructure, enabling rural residents to\naccess basic medical services close to home, and strengthening the health\nfoundation for rural revitalization. As of the end of 2025, the program had\ncovered 20 provinces, municipalities, and autonomous regions across China,\ncumulatively established 191 Waterdrop Rural Clinics, and benefited more than\n500,000 people. The program has tangibly improved local healthcare conditions\nand increased access to medical services in rural communities.\n\nIn addition, Waterdrop Inc. has continued to expand the scope of its\nassistance, supporting both regular social assistance and emergency disaster\nresponse. Through these efforts, Waterdrop Inc. has served as a stable and\nreliable connector for aid capacity within the broader social assistance\nsystem. In responding to sudden disasters and the needs of vulnerable groups,\nthe Company has acted proactively and responded swiftly. This is demonstrated\nby its ability to rapidly mobilize public compassion to support front-line\nefforts during rescue and reconstruction operations, such as after the Xizang\nearthquake, heavy rainstorms in North China, and the Hong Kong fire. According\nto the Report, as of the end of 2025, Waterdrop Charity had raised a\ncumulative total of RMB 1.389 billion, partnered with 119 public fundraising\ncharitable organizations, and launched more than 15,500 public welfare\nprojects.\n\nView original content to download\nmultimedia:https://www.prnewswire.com/apac/news-releases/waterdrop-inc-releases-2025-esg-report-empowering-full-chain-business-with-ai-and-building-an-inclusive-diverse-healthcare-ecosystem-302910130.html\n\nSOURCE Waterdrop Inc.\n\n\n\nPhoto: \nhttps://mmx.prnewswire.com/media/MS2014125/20261015040723EDT_image_1.jpg?id=OA3021102\n\nCopyright (c) 2026 PR Newswire Association,LLC. All Rights Reserved.","article_body_html":"","raw_payload":{"data":{"id":"nPNAb9KKHa-20261015","title":"Waterdrop Inc. Releases 2025 ESG Report: Empowering Full-Chain Business with AI and Building an Inclusive, Diverse Healthcare Ecosystem","author":"PR Newswire","ticker":"717Y","created":"2026-10-15T13:18:02.077Z","tickers":["717Y"],"exchange":"","article_body":"Waterdrop Inc. Releases 2025 ESG Report: Empowering Full-Chain Business with\nAI and Building an Inclusive, Diverse Healthcare Ecosystem\nPR Newswire\n\nBEIJING, Oct. 15, 2026\n\nBEIJING, Oct. 15, 2026 /PRNewswire/ -- On October 15, Waterdrop Inc. released\nits 2025 Environmental, Social and Governance (ESG) Report (hereinafter the\n\"Report\"), outlining the Company's practices and achievements over the past\nyear in AI-driven technological innovation, product and service optimization,\ntalent development, and corporate social responsibility. Waterdrop Inc.'s ESG\nrating has been upgraded to A+, consolidating the Company's position at the\nforefront of the industry.\n\n\nAccording to the Report, in 2025, Waterdrop Inc. firmly advanced its \"All in\nAI\" strategy and accelerated its evolution from a technology company that uses\nAI to an AI-native technology company, significantly improving the efficiency\nand user experience of its insurance and healthcare services. Meanwhile,\nleveraging the strengths of its internet platform and digital technologies,\nthe Company focused on medical crowdfunding, rural healthcare, educational\nassistance, and emergency disaster relief, proactively bridging gaps to\naddress critical pain points.\n\nShen Peng, Founder and Chief Executive Officer (CEO) of Waterdrop Inc., said:\n\"Artificial intelligence is reshaping the world at an unprecedented speed. We\nwill continue to embrace the entrepreneurial spirit, adapting Waterdrop's\ntechnology and services to the insurance and healthcare needs of families\naround the world. At the same time, we will remain steadfast in our corporate\nsocial responsibility, harnessing technology to strengthen social protection\nand fulfill our era's mission of making protection more inclusive.\"\n\nAI Empowers End-to-End Business Operations, Technological Innovation and\nCollaborative Development of Industry Standards\n\nAs an insurance technology and healthcare platform, Waterdrop Inc. has\nremained committed to driving integrated innovation across \"AI + insurance\nprotection + healthcare.\" In 2025, the Company firmly advanced its \"All in AI\"\nstrategy and, building on its proprietary Waterdrop Guardian LLM and Waterdrop\nGuardian AI Capability Suite, continued to build a product portfolio spanning\nintelligent underwriting, AI-powered customer service, voice interaction, and\nAI agent collaboration.\n\nTo address pain points in health insurance underwriting, including\nnon-standardized medical records, complex policy terms, and lengthy manual\nreview cycles, Waterdrop Inc. launched KEYI.AI, an AI underwriting expert.\nKEYI.AI responds within seconds to specialized insurance inquiries concerning\nunderwriting risk assessments, underwriting recommendations, interpretations\nof policy terms, and claims procedures. According to the Report, KEYI.AI\nreduced the average processing time for complex health insurance underwriting\nby 80%, achieved an underwriting accuracy rate of 99.8%, and increased\nunderwriting response speed by 260 times the previous speed. The rate at which\ncustomers were matched with suitable insurance products increased to six times\nthe previous rate.\n\nIn 2025, Waterdrop Medical Crowdfunding also introduced AI into its\nrisk-control processes, building an intelligent identification matrix for\nmultiple high-risk scenarios. The platform can accurately identify risk\nindicators, including sensitive identity information of fundraisers and\nabnormal assets, significantly improving the accuracy and efficiency of risk\nidentification and helping ensure the authenticity and reliability of\ncrowdfunding cases. In 2025, Waterdrop Inc. invested RMB 233 million in R&D.\nAs of the end of 2025, the Company had cumulatively filed more than 100\nAI-related patent applications.\n\nIn addition, Waterdrop Inc., as an invited drafting organization, participated\nin developing the association standard Guidelines for Intellectual Property in\nGenerative Artificial Intelligence. The Company shared its practical\nexperience regarding the development and deployment of generative AI,\nintellectual property protection in compliance management, risk\nidentification, and the clarification of responsibilities, supporting\nresponsible innovation and effective risk governance across the generative AI\nindustry.\n\nBuilding a Diversified Healthcare Assistance System, Tailoring Insurance,\nMedical Assistance, and Pharmaceutical Services to Differentiated Protection\nNeeds\n\nWaterdrop Inc. continues to focus on the differentiated protection needs of\nolder adults, individuals with pre-existing conditions, and women. The Company\nhas launched a range of inclusive products, including the \"Jiehaoyun\" (a\nmaternity protection plan) and disability insurance, to drive product\ninnovation and enhance the accessibility and inclusiveness of insurance\nproducts. In 2025, under its \"Three Good Services\" system centered on \"quality\nservice, tailored products and responsive claims,\" Waterdrop Insurance\nMarketplace launched 242 customized insurance products. According to the\nReport, claims paid for pre-existing medical condition insurance through\nWaterdrop Insurance Marketplace totaled RMB 55.9852 million, representing a\nyear-on-year increase of 46.83%.\n\nMeanwhile, as an Online Personal Help-seeking Service Platform designated by\nthe Ministry of Civil Affairs of China, Waterdrop Medical Crowdfunding\ncontinues to leverage mobile internet technology to provide assistance to\npeople facing urgent difficulties. Through social networks, the platform\nconnects help-seekers with caring individuals, enabling patients with critical\nillnesses and their families to raise funds for medical treatment. According\nto the Report, as of the end of 2025, 490 million users had donated RMB 72.3\nbillion to 3.68 million patients with critical illnesses through Waterdrop\nMedical Crowdfunding.\n\nIn healthcare services, E-Find Patient Recruitment provides professional\nsubject recruitment and management services for pharmaceutical R&D. It also\nintegrates health consultations, medical check-ups and screenings, and medical\nassistance to strengthen its comprehensive health and wellness service\ncapabilities. As of the end of 2025, E-Find Patient Recruitment had enrolled\n14,555 patients across 1,611 clinical trial projects, bringing patients more\ntreatment options and renewed hope.\n\nDeepening Government-Enterprise Collaboration and Public Welfare Practices,\nImproving the Multi-level Social Assistance and Support Network\n\nWaterdrop Inc. has also actively participated in building a multi-level\nmedical protection system, working with local government departments to\ndevelop critical illness assistance service platforms such as \"Jin Qing Bang\"\nand \"Hai Hui Bang.\" These platforms provide a valuable complement to existing\nsocial assistance and medical protection systems. As of December 2025, Jin\nQing Bang had provided assistance to 724 patients in financial hardship in\nJinyun County, with total assistance amounting to RMB 16.2428 million. Hai Hui\nBang had assisted a cumulative total of 2,915 patients in financial hardship,\nand the total amount of multi-level medical assistance reached RMB 58.5686\nmillion. Together, the two platforms mobilized nearly RMB 75 million in social\nassistance funding.\n\nTo address gaps in primary healthcare resources in rural areas, Waterdrop Inc.\nhas continued to implement the charitable Waterdrop Rural Clinics program,\nhelping improve local medical infrastructure, enabling rural residents to\naccess basic medical services close to home, and strengthening the health\nfoundation for rural revitalization. As of the end of 2025, the program had\ncovered 20 provinces, municipalities, and autonomous regions across China,\ncumulatively established 191 Waterdrop Rural Clinics, and benefited more than\n500,000 people. The program has tangibly improved local healthcare conditions\nand increased access to medical services in rural communities.\n\nIn addition, Waterdrop Inc. has continued to expand the scope of its\nassistance, supporting both regular social assistance and emergency disaster\nresponse. Through these efforts, Waterdrop Inc. has served as a stable and\nreliable connector for aid capacity within the broader social assistance\nsystem. In responding to sudden disasters and the needs of vulnerable groups,\nthe Company has acted proactively and responded swiftly. This is demonstrated\nby its ability to rapidly mobilize public compassion to support front-line\nefforts during rescue and reconstruction operations, such as after the Xizang\nearthquake, heavy rainstorms in North China, and the Hong Kong fire. According\nto the Report, as of the end of 2025, Waterdrop Charity had raised a\ncumulative total of RMB 1.389 billion, partnered with 119 public fundraising\ncharitable organizations, and launched more than 15,500 public welfare\nprojects.\n\nView original content to download\nmultimedia:https://www.prnewswire.com/apac/news-releases/waterdrop-inc-releases-2025-esg-report-empowering-full-chain-business-with-ai-and-building-an-inclusive-diverse-healthcare-ecosystem-302910130.html\n\nSOURCE Waterdrop Inc.\n\n\n\nPhoto: \nhttps://mmx.prnewswire.com/media/MS2014125/20261015040723EDT_image_1.jpg?id=OA3021102\n\nCopyright (c) 2026 PR Newswire Association,LLC. All Rights Reserved."},"type":"article","timestamp":"2026-10-15T13:18:02.121973775Z","server_sent_at_ms":1792070282121},"received_at":"2026-10-15T13:18:02.174Z","source_url":null},"analysis":null,"durationMs":null,"modelName":null}}