On October 15th, Shuidi Company released the "2025 Environmental, Social, and Governance (ESG) Report" (hereinafter referred to as the "Report"), which systematically disclosed the company's practices and achievements in AI driven technological innovation, product and service optimization, talent development focus, and social responsibility over the past year. At present, Shuidi Company's ESG rating has been upgraded to A+, ranking among the top in the industry.

The report shows that by 2025, Shuidi Company will firmly promote the "All in AI" strategy and propose to evolve from a "technology company that uses AI" to an "AI native technology company", significantly improving the efficiency and user experience of insurance and healthcare services. At the same time, relying on the advantages of Internet platform and digital technology, the company focuses on areas such as serious illness help, rural medical care, education assistance and emergency disaster relief, and actively fills the pain points of demand.

Shen Peng, founder and CEO of Shuidi Company, said, "Artificial intelligence is reshaping the world at an unprecedented speed. We must continue to uphold the entrepreneurial spirit, adapt Shuidi's technology and services to meet the security needs of different families around the world, and adhere to corporate social responsibility. We will use technological strength to support social security and fulfill the mission of universal security in the era

AI empowers business, full chain technology innovation, collaborative industry standard construction

As an insurance technology and healthcare platform, Shuidi Company has always been committed to promoting the integration and innovation of "AI+insurance protection+healthcare". In 2025, the company will firmly promote the "All in AI" strategy, relying on its self-developed water droplet water conservation model and water conservation AI capability system, to build a complete product matrix covering intelligent underwriting, intelligent customer service, voice interaction, and AI agent collaboration.

In response to pain points such as non-standard medical records, complex understanding of terms, and long manual review cycles in health insurance underwriting, Shuidi Company has launched the AI underwriting expert "KEYI.AI", which can provide instant responses to professional questions such as underwriting risk assessment, underwriting recommendations, interpretation of insurance terms, and claims process Q&A. The report shows that, KEYI. AI has reduced the average processing time of complex health insurance underwriting by 80%, achieved underwriting accuracy of 99.8%, increased underwriting response speed by 260 times, and helped customers match suitable insurance products by 6 times.

In terms of risk control in fundraising business, the Waterdrop Fundraising Platform will also introduce AI technology in risk management by 2025. It has built intelligent recognition matrices for multiple high-risk scenarios, accurately identifying sensitive identities and abnormal assets of fundraisers, greatly improving the accuracy and efficiency of platform risk identification, and ensuring the authenticity and reliability of platform fundraising cases. It is reported that by 2025, Shuidi Company will invest 233 million yuan in research and development, and have applied for over 100 artificial intelligence related patents.

In addition, Shuidi Company, as a specially invited drafting unit, participated in the preparation of the group standard "Guidelines for Intellectual Property of Generative Artificial Intelligence", focusing on the implementation of generative AI development, intellectual property protection in compliance management, risk identification, and responsibility definition to output practical experience of enterprises, and to assist in the standardization, innovation, and risk governance of the generative artificial intelligence industry.

Building a diversified medical and health assistance system with differentiated guarantees for insurance, assistance, and medical services adaptation

Shuidi Company has been continuously focusing on the differentiated protection needs of the elderly, sick, and female groups, launching diversified universal products such as "Good Pregnancy" and "Disability Insurance", promoting insurance product innovation, and enhancing the accessibility and universality of insurance products. In 2025, based on the "three good services" system of "good service, good product, and good claims", 242 customized insurance products will be launched throughout the year. According to the report, the claims for Shuidi Health Insurance were 55.9852 million yuan, a year-on-year increase of 46.83%.

At the same time, as a personal help seeking network service platform designated by the Ministry of Civil Affairs, Shuidiqian continues to play the role of "emergency assistance" by relying on mobile Internet technology, and helps seriously ill patients and their families to obtain medical assistance by connecting people for help and caring people through social networks. According to the report, as of the end of 2025, a total of 490 million users have donated 72.3 billion yuan in donations to 3.68 million seriously ill patients through Shuidi Fundraising.

In the field of health services, Yifan Pharmaceutical provides professional subject recruitment and management services for pharmaceutical research and development, and integrates resources such as health consultation, physical examination screening, and medical assistance to enhance comprehensive health and lifestyle service capabilities. By 2025, Yifan Pharmaceutical has enrolled a total of 14555 patients and 1611 clinical trial projects, providing patients with more treatment options and hope.

Deepen the collaboration between government and enterprises and improve the multi-level social assistance and support network through public welfare practices

Shuidi Company is also actively participating in the construction of a multi-level medical security system, jointly building major illness relief service platforms such as "Jinqing Help" and "Haihui Help" with local government departments, becoming a useful supplement to the current social assistance system and medical security system. As of December 2025, the "Jinqing Help" has provided assistance to 724 disadvantaged patients in Jinyun County, with a total assistance amount of 16.2428 million yuan; Haihui Gang has provided assistance to 2915 patients in need, with multi-level medical assistance funds reaching 58.5686 million yuan. The two platforms have leveraged nearly 75 million yuan in social assistance funds.

Focusing on the problem of weak primary healthcare resources in rural areas, Shuidi Company continues to implement public welfare projects in rural medical clinics, filling the gaps in primary healthcare facilities, allowing rural residents to enjoy basic medical services nearby, and consolidating the foundation of rural revitalization and health. By the end of 2025, the Shuidi Rural Medical Room Project will cover 20 provinces, municipalities, and autonomous regions across the country, with a total of 191 medical rooms built, benefiting over 500000 people, effectively improving grassroots medical conditions, and enhancing the accessibility of rural medical services.

In addition, Shuidi Company continues to expand its assistance boundaries, taking into account both regular social assistance and emergency response to sudden disasters, becoming a stable and reliable interface for rescue forces in the social assistance system. In the face of all kinds of sudden disasters and the needs of special groups for assistance, the company takes the initiative and responds quickly. For example, in the rescue and reconstruction of Xizang earthquake, North China rainstorm, Hong Kong fire and other disasters, the company can quickly gather social love forces to help first-line rescue. According to the report, as of the end of 2025, the Shuidi Public Welfare Platform has raised a total of 1.389 billion yuan in funds, collaborated with 119 public charity organizations, and launched over 15500 public welfare projects.