Waterdrop releases 2025 ESG report
WDH•Waterdrop released its 2025 ESG report on Oct. 15, 2026, reporting an A+ ESG rating and RMB 233 million in R&D investment. Its AI underwriting tool cut complex health insurance processing time by 80%, with 99.8% accuracy.
1. ESG report and investment
Waterdrop released its 2025 ESG report on Oct. 15, 2026, and said its ESG rating was upgraded to A+. R&D investment totaled RMB 233 million as the company advanced its strategy to become an AI-native insurance and healthcare platform.
2. Insurance and AI metrics
Waterdrop said its AI underwriting tool reduced processing time for complex health insurance by 80% and achieved 99.8% underwriting accuracy. Claims paid for insurance covering pre-existing medical conditions rose 46.83% to RMB 55.99 million through its insurance marketplace.
3. Crowdfunding donations
Medical crowdfunding donations reached a cumulative RMB 72.3 billion by year-end, supporting 3,680,000 patients with critical illnesses.
