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Waterdrop Inc. Releases 2025 ESG Report

On October 15, 2026, Waterdrop Inc. unveiled its 2025 Environmental, Social, and Governance (ESG) Report, marking a significant milestone in the company's journey towards a more inclusive and sustainable future. The report underscores Waterdrop's strategic shift from a technology company employing AI to an AI-native entity that enhances the efficiency of insurance and healthcare services across its platform.

Advancements in AI Technology

In the report, Waterdrop highlighted its successful implementation of the "All in AI" strategy in 2025, which encompassed a range of innovative products and services. This included the launch of KEYI.AI, an AI underwriting expert designed to tackle the complexities of health insurance underwriting. With this technology, Waterdrop claims to have reduced processing times for complex cases by up to 80% and increased the accuracy of underwriting decisions to an impressive 99.8%. This approach not only streamlines operations but also significantly improves the customer experience by providing quicker responses to insurance inquiries.

Waterdrop Medical Crowdfunding also integrated AI to enhance its risk management capabilities, developing an intelligent framework for identifying risks associated with crowdfunding campaigns. This will bolster the authenticity of the cases presented and ensure that assistance reaches those truly in need.

Focus on Diverse Healthcare Solutions

The report emphasizes Waterdrop's commitment to catering to diverse health and insurance needs, particularly for vulnerable demographics such as older adults and individuals with pre-existing health conditions. The company launched inclusive products, including maternity and disability insurance plans, to meet these varying requirements. In total, Waterdrop introduced 242 customized insurance products in 2025, with claims paid for pre-existing medical conditions seeing a striking year-on-year increase of approximately 46.83%.

Beyond insurance products, Waterdrop's Medical Crowdfunding service connected users facing financial hardships due to medical issues with an empathetic community, raising a staggering RMB 72.3 billion for 3.68 million patients. This service illustrates how technology can bridge financial gaps in healthcare.

Building a Stronger Community

Waterdrop has actively engaged with local governments to contribute to multi-level social assistance networks. Initiatives like "Jin Qing Bang" and "Hai Hui Bang" have proven effective, providing substantial monetary support to patients in need. Collectively, these community-focused programs assisted thousands, mobilizing nearly RMB 75 million in funding for medical and social services.

The company's commitment to rural healthcare is also noteworthy. By establishing 191 Waterdrop Rural Clinics across 20 provinces in China, Waterdrop has improved access to healthcare for over 500,000 people. This program is crucial for enhancing medical infrastructure in under-served regions, demonstrating how corporate initiatives can effect meaningful change in society.

Waterdrop's philanthropic efforts extend to disaster response as well, where it has shown agility in mobilizing resources in the aftermath of crises, such as earthquakes and floods. Through these initiatives, Waterdrop has established itself as a reliable partner in social welfare, showcasing the positive impact corporate responsibility can achieve when technology and compassion intersect.

Conclusion

Shen Peng, the Founder and CEO of Waterdrop, encapsulated the company's ethos, stating: "Artificial intelligence is reshaping the world at an unprecedented speed. We will continue to embrace the entrepreneurial spirit, adapting Waterdrop's technology and services to the insurance and healthcare needs of families around the world." With an upgraded ESG rating of A+, Waterdrop's commitment to innovation, inclusivity, and community support is evident and sets a benchmark for others in the industry.

The 2025 ESG Report signifies a pivotal step in the company’s journey and reflects broader trends in the insurance and healthcare sectors, where technology and social responsibility are increasingly intertwined.