水滴公司在8月20日举办的水滴保险商城全球合作伙伴大会上宣布,公司已完成了2.3亿美元的D轮系列融资,由瑞士再保险集团和腾讯公司联合领投,IDG资本、点亮全球基金等老股东跟投。

颉羿资本是水滴最早的投资人之一。2016年5月,水滴获腾讯、美团点评、IDG等5000万元天使轮投资;2017年8月,水滴公司完成1.6亿人民币A轮融资,由腾讯、蓝驰创投联合领投;2019年3月,水滴公司完成了B轮融资,总融资金额近5亿元,由腾讯领投,高榕、IDG等跟投;2019年6月,水滴公司完成超 10 亿元人民币的C轮融资,腾讯继续跟投。

水滴公司由前美团创始团队成员沈鹏在2016年创立,以“用互联网科技助推广大人民群众有保可医,保障亿万家庭”为使命。作为一家围绕大健康和保险科技布局的创业公司,水滴在中国市场创新地建立了“筹+互助+保险”的生态商业模式,帮助中低收入人群建立自己的个人健康保障体系。

最新数据显示,水滴公司旗下的水滴保险商城平台累计保障用户数超1亿,保障家庭数近6000万,覆盖2988个市县,2020年前两个季度年化签单保费近60亿元,接近2019全年金额。调研数据显示,90%的用户通过水滴保险商城完成个人首次在线投保,复购意愿高达73%,成为多数用户在购买保险上的第一选择;水滴筹爱心用户数量已突破3.2亿,超过10亿人次的赠与,赠与总金额超过320亿元,是国内最领先的大病筹款平台;水滴互助平台已经累计救助了超过12819个家庭,划拨超过16.15亿元互助金。

此次瑞士再保险集团对于水滴的投资主体是Swiss Re Principal Investments Company Asia Pte. Ltd.。该公司是Swiss Re Ltd 的全资子公司以及瑞士再保险集团成员之一。瑞士再保险集团是世界领先的再保险、保险和其他保险型风险转移方式的提供商。瑞士再保险集团于1863 年成立,总部位于瑞士苏黎世,通过全球约80个办事处构成的经营网络开展业务。

此次投资完成后,水滴公司将成为瑞士再保险集团在中国投资的第一家保险科技公司。瑞士再保险是2018年平安好医生赴港上市时引入的7家基石投资者之一。此外,2020年6月,中国太平洋保险集团发行的GDR在伦交所正式上市时,也引入瑞士再保险担任基石投资者。

瑞士再保险集团表示,中国是瑞士再保险集团具有战略意义的重要市场。根据瑞士再保险瑞再研究院的预测,到2025年,中国线上健康险市场将以每年平均43%的增速增长。水滴公司是中国领先的保险科技平台,在互联网健康险、医疗险销售中保持了领先地位。对水滴公司的投资体现了瑞士再保险集团对于中国市场的长期看好和支持。

颉羿资本在参与水滴的投资后,一直在水滴的战略发展特别是国际业务发展上为水滴助力。

Tencent and Swiss Re lead insurtech firm Waterdrop’s USD 230 million Series D

Beijing-based insurance tech platform Waterdrop (or Shuidi in Chinese) has raised USD 230 million in its Series D round jointly led by Swiss Re Group and Tencent (HKG: 0700), with participation from earlier investors including IDG Capital and Wisdom Choice Global Fund. Jubilee Capital Management (JCM) is one of Shuidi’s earliest investors.

Founded in 2016, the company boasts Waterdrop Insurance Mall, which is an online trading platform hosting various insurance products, Waterdrop Crowdfunding, a patient-focused crowdfunding platform, and Waterdrop Mutual, a mutual aid platform

The Waterdrop Insurance Mall has reached 120 million users. Via the online platform, USD 865 million were paid to different insurers in the form of written premiums in the first half of this year, close to the total written premium in 2019.

Tencent led or co-led Waterdrop’s Series A and B rounds, and took part in the Series C round.

The Waterdrop Crowdfunding platform has raised USD 4.6 billion by the end of July 2020 from 320 million individual donors for those with critical illness but without commercial insurance to cover them.

Waterdrop Mutual has helped over 12,000 families obtain funds for medical treatment. Mutual aid plans are a common alternative to traditional insurance products in China. Alibaba’s fintech arm Ant Group, ride-hailing platform Didi Chuxing, and retailer Suning all have their mutual aid platforms.

Waterdrop will use the new funds to supply insurance products and services, as well as to accelerate its initiatives in medical and healthcare services.

Peng Shen, founder and CEO of Waterdrop, said, “Our long-term goal is to become a leading online healthcare platform in China with an ecosystem that includes insurers, pharmaceutical companies, hospitals and drug stores, as well as nursing institutions and rehabilitation institutions.”

Since its investment, JCM has been actively aiding Shuidi’s developing strategy, especially its global business development.