Document:

EX-10.14

 Exhibit 10.14 

Spousal Consent Letter 

The undersigned, QI Xue, (Identification Card No. [***]), is the lawful spouse of SHEN Peng (Identification Card No. [***]). I hereby confirm
I have understood, and unconditionally and irrevocably issue this Spousal Consent Letter in respect of the equity interest held by SHEN Peng in Beijing Shuidi Hubao Technology Co., Ltd. (“Shuidi Hubao”) as following: 

I have understood: 
  

	 	(1)	 All of the equity interests held by SHEN Peng in Shuidi Hubao will be disposed of in accordance with the
Exclusive Option Agreement executed on November 2, 2018 by and among SHEN Peng and Beijing Absolute Health Ltd. (“WFOE”) and other relevant parties, and such equity interests are subject to the control by WFOE and/or its subsidiaries
through a series of agreement arrangements. 

  

	 	(2)	 All of the equity interests held by SHEN Peng in Shuidi Hubao will be disposed of in accordance with the Equity
Interest Pledge Agreement executed on November 2, 2018 by and among SHEN Peng, WFOE, Shuidi Hubao and other relevant parties. 

  

	 	(3)	 All of the equity interests held by SHEN Peng in Shuidi Hubao will be disposed of in accordance with the Power
of Attorney issued by SHEN Peng to WFOE on November 2, 2018. 

 I hereby confirm I have understood and agree SHEN
Peng to execute the Exclusive Option Agreement, the Equity Interest Pledge Agreement, the Power of Attorney (collectively referred to as the “Transaction Documents”), and to dispose of the corresponding equity and interest attached thereto
in Shuidi Hubao in accordance with the Transaction Documents. I will not take any action at any time to impede the arrangements for the disposal of the aforesaid shareholding. 

I hereby confirm and agree that the equity interests and any rights and interests attached thereto in Shuidi Hubao currently and hereafter
held by my spouse are his individual property, and shall not constitute the jointly owned properties between my spouse and me, which my spouse is entitled to dispose of on his own. I hereby unconditionally and irrevocably waive any right or interest
with respect to such equity interest and its corresponding assets that I may be entitled to under any applicable laws, and undertake not to raise any claim with respect to such equity interest and its corresponding assets, including claiming that
such equity interest and its corresponding assets constitute the jointly owned property between my spouse and me, and thereby claiming to participate in the daily operation and management of Shuidi Hubao or cast vote or in any way impact the
decision of my spouse regarding such equity interests or any rights and interest attached thereto. 

  
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 I further confirm that, no separate authority or consent on my part is required for my
spouse to perform the Transaction Documents, amend or terminate the Transaction Documents. 
 I hereby undertake to execute all necessary
documents and take all necessary actions to ensure appropriate performance of the Transaction Documents (as amended from time to time). 
 I
hereby agree and covenant that, if I acquire any equity interests or any rights or interest attached thereto from Shuidi Hubao for any reason, I shall be bound by the Transaction Documents (as amended from time to time), and comply with the
obligations of shareholders of Shuidi Hubao under the Transaction Documents (as amended from time to time). For such purpose, at the request of WFOE, I will execute a series of written documents with the form and substance substantially the same as
the Transaction Documents (as amended from time to time). 
 I hereby further confirm, covenant and undertake, in all cases, including
without limitation, the occurrence of the divorce between my spouse and me, my spouse shall be entitled to independently dispose the equity interest and the corresponding assets he/she holds in Shuidi Hubao, and I will not take any actions that may
affect or prevent my spouse’s performance of his/her duties under the Transaction Documents, including but not limited to raising any claim for the equity interest in Shuidi Hubao or any rights endowed under the Transaction Documents. 

I hereby agree and covenant that, I will not act in any manner or any claim or file a lawsuit that conflicts with the arrangement contemplated
under the Transaction Documents or this Spousal Consent Letter at any time whether direct or indirect, active or passive. 

 (Signature page to Spousal Consent Letter) 

 

			
	QI Xue
	Signatory:	 	 /s/ QI Xue

	November 2, 2018EX-10.15

 Exhibit 10.15 

Power of Attorney 
 I,
[Name of Shareholder], a citizen of the People’s Republic of China (“China” or the “PRC”) whose Identification Card No. is [Number], and a holder of [Percentage]% of the registered capital of Beijing Shuidi Hulian Technology
Co., Ltd. (“Shuidi Hulian”) as of the date of this Power of Attorney, hereby irrevocably authorize and entrust Beijing Absolute Health Ltd. (“WFOE”) to exercise the following rights and handle the following matters on my behalf
relating to all equity interests held by me now and in the future (“My Shareholding”) in Shuidi Hulian, during the term of this Power of Attorney: 

WFOE or any person(s) designated by WFOE (including but not limited to directors of WFOE’s parent company Waterdrop Group HK Limited,
successors of such directors and liquidators in replacement of such directors, excluding any non-independent persons or persons who may result in the conflicts of interest) (“Agent”) is hereby
authorized to act on my behalf as my sole and exclusive agent to exercise the rights with respect to all matters concerning My Shareholding, including without limitation to: (1) as the shareholder’s proxy, convening and attending
shareholders’ meetings of Shuidi Hulian according to the company’s articles of association, (2) exercising all of the shareholder’s rights and shareholder’s voting rights that I am entitled to under the laws of China and the
articles of association of Shuidi Hulian (including any other shareholder voting rights stipulated after the amendments to the articles of association), including without limitation handling the sale, transfer, pledge or disposition of My
Shareholding in part or in whole, (3) designating and appointing legal representatives, directors, supervisors, general managers and other senior management personnel of Shuidi Hulian as my authorized representative, and (4) signing the
notice of the shareholders meeting, the meeting minutes and resolutions on behalf of the shareholders, and submitting the documents required for the approval, registration and filing related to the company’s operation to the relevant government
departments (including the company registration management department) on behalf of the shareholders. 
 Without limiting the generality of
the powers granted hereunder, the Agent shall have the power and authority to, on behalf of myself, execute all and any supplementary agreements, ancillary documents, modifications, and/or amended and restated versions in relation to: (1) the
Exclusive Option Agreement executed on July 31, 2019 by and among me, WFOE, Shuidi Hulian and other related parties, (2) the Equity Interest Pledge Agreement executed on July 31, 2019 by and among me, WFOE, Shuidi Hulian and other
related parties and other related parties (in each case, including any modification, amendment or restatement to the aforementioned documents, collectively referred to as the “Transaction Documents”), and any documents and
agreements I shall sign as required in the aforesaid agreements (including without limitation the “Share Transfer Contract” as described under the Exclusive Option Agreement). 

All the actions associated with My Shareholding conducted by the Agent shall be deemed as my own actions, and all the documents related to My
Shareholding executed by the Agent shall be deemed to be executed by me. I hereby acknowledge and ratify the actions taken by the Agent and the documents executed by the Agent in relation to My Shareholding. 

  
 1 

 The Agent has the right to re-authorize or assign
one or multiple matters and its rights related to such matters under this Power of Attorney to any other person or entity at its own discretion and without obtaining my prior consent. If required by PRC laws, the Agent shall designate a qualified
PRC citizen to handle such matters and exercise such rights as set forth in this Power of Attorney. 
 During the period that I am a
shareholder of Shuidi Hulian, This Power of Attorney shall be irrevocable and continuously effective and valid from the date of execution of this Power of Attorney. This Power of Attorney takes effect as of the date hereof and shall become effective
until all equity or all assets of Shuidi Hulian have been transferred to the WFOE and/or other entities or individuals designated by it in accordance with the Exclusive Option Agreement signed by the parties on the date of execution of this Power of
Attorney. 
 I hereby declare and covenant the following: (1) I am a Chinese citizen with full capacity and a registered lawful
shareholder of Shuidi Hulian. I have full and independent legal status and legal capacity, and have been duly authorized to sign, deliver and perform this Power of Attorney. I can independently act as a party of litigation, (2) there is no
litigation, arbitration or other judicial or administrative action that has arisen and is pending that will affect my ability to perform the obligations under this Power of Attorney, (3) natural person shareholders have made proper arrangements
and signed necessary documents to ensure that in the event of his or her death, incapacity, bankruptcy, divorce or other events that may affect their exercise of equity, the heirs, guardians, creditors, spouses and other persons who may acquire
equity or related rights as a result, shall not affect or hinder the performance of this Power of Attorney. 
 During the term of this Power
of Attorney, I hereby waive all the rights associated with My Shareholding, which have been authorized to the Agent through this Power of Attorney, and shall not exercise such rights by myself. 

This Power of Attorney is dated on July 31, 2019. 

The Remainder of this page is intentionally left blank 

  
 2 

 Principal: 

[Name of Shareholder] 
 Signed by: /s/ [Name of
Shareholder]                      
 Accepted by:

 Beijing Absolute Health Ltd. (seal) 
 [Company
seal is affixed] 
 Signed by: /s / SHEN
Peng                      
 Name: SHEN Peng 

Title: Authorized Representative 
 Signature Page
to Power of Attorney 

 Schedule of Material Differences 

One or more persons executed Power of Attorney using this form. Pursuant to Instruction ii to Item 601 of Regulation
S-K, the Registrant may only file this form as an exhibit with a schedule setting forth the material details in which the executed agreements differ from this form: 

 

							
	 No.
	  	 Name of Shareholder
	  	% of Shareholder’s Equity
Interest in the VIE	 
	 1.
	  	SHEN Peng	  	 	99	% 
	 2.
	  	RAN Wei	  	 	1	%

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