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In 2020, the epidemic in COVID-19 made people more aware of the value of life and health, and also made people call for Internet medical care to enter every household as soon as possible.

On September 22nd, China Ping An Investors Open Day shared the entire medical ecological construction of Ping An Group for the first time. At the meeting, Ping An not only demonstrated its strong ecological strength, but also painted a broader blueprint for its ecological picture.

First, prescribe ecological prescriptions for the pain points in the medical industry.

Chen Xinying, co-CEO of Ping An Group, said: "We don't just want users to buy more insurance, we really want to solve the medical problems in China."

The medical industry is very complicated. At present, China's population aging process is accelerating, and the pain points of all aspects of medical ecology are still outstanding. For example, there are insufficient primary medical and health personnel and poor professionalism; It is difficult and expensive for residents to see a doctor; Uneven distribution of medical resources in institutions, minor illnesses and minor treatments, and lack of trust among the masses; Many cities have different medical insurance policies, and the data has not been opened.

It can be said that medical problems are interrelated in all aspects of this industry. It is very difficult to treat only the symptoms.

However, in terms of market scale, it is estimated that it will increase from 6 trillion yuan to 65,438+06 trillion yuan from 2065,438+09 to 2030. Whoever can chew this hard bone will get huge benefits and a broad future. With "Healthy China 2030" rising to the national strategy, Ping An of China has accelerated the investment layout in the medical and health field and updated the medical ecosystem strategy.

At present, China Ping An has built an all-round medical and health ecosystem covering "technical foundation, client-service provider-payment end-government end". By the end of June 2020, the medical and health ecosystem has covered more than 370 cities, 65,438+7,000 medical institutions and 346 million users. Take Ping An Good Doctor as the entrance, connect Ping An Life Insurance Company of China, Ping An Pension Insurance, Ping An Health Insurance and other companies to serve the vast number of online and offline individual customers; Empowering government regulatory authorities and medical service participants through Ping An Smart City business; The intelligent medical service platform established through Ping An Medical Insurance Technology empowers payers such as medical insurance bureaus and commercial insurance companies.

On the client side, Ping An Good Doctor provides one-stop medical and health services for more than 346 million users. Relying on its full-time medical team and self-developed artificial intelligence aided diagnosis and treatment system, Dr. Ping An provides users with timely and high-quality online medical services, covering 7 × 24 hours of online consultation, health management, prescription, registration, secondary diagnosis and treatment suggestions and 1 hour drug distribution. By the end of June, 2020, the cumulative number of users served by Dr. Ping An Hao exceeded 346 million, and the cumulative number of online consultations in the first half of the year was nearly 825 million, with its own full-time medical team reaching 1836. In addition, Ping An Good Doctor empowers eco-circle partners with high-quality resources such as AI technology and medical services, and has accumulated more than 3,700 cooperative hospitals, including nearly 2,000 tertiary hospitals; The number of cooperative pharmacies exceeds 1 1. 1 ten thousand, covering 37 1 cities in China.

In terms of service providers, Ping An has built an intelligent integrated platform covering the whole process before, during and after diagnosis for government regulatory authorities and medical service providers. At present, Ping An Smart Medical has covered more than17,000 medical institutions, providing all-round services including comprehensive supervision platform, intelligent disease prediction, intelligent image screening and auxiliary diagnosis and treatment tool AskBob, among which AskBob has been used 22.04 million times in the first half of the year, benefiting about 413,000 doctors.

On the payment side, Ping An Medical Insurance Technology is committed to becoming a smart technology company that fully empowers the medical ecosystem, focusing on medical insurance to achieve empowerment, and promoting the linkage of medical insurance, medical care and medicine by providing its own software and services to achieve the goal of reducing medical costs, improving service experience and improving the level of protection. Ping An Medical Insurance Technology takes the smart medical insurance system as the core to create an integrated platform for smart medical insurance and empower the medical insurance bureau; At the same time, starting from medical insurance, actively extend and construct comprehensive medical management solutions around hospitals, doctors, pharmacies and insured persons; Empower commercial insurance companies in insurance product design, risk control and marketing channels. Up to now, Ping An Medical Insurance Technology has won the bid for platform construction projects in several provinces.

On the government side, Ping An has built a digital governance system such as "medical insurance control fees" and "smart medical care" for the regulatory authorities by building a medical and health big data platform. In this epidemic situation, the "AskBob Wei Jian" COVID-19 epidemic situation prediction and analysis system of Ping An Smart Medical can provide real-time information monitoring and epidemic situation prediction with an accuracy rate of 99% for more than 200 local governments in Wuhan, Beijing, Chongqing and Shenzhen.

In the future, China Ping An will continue to build a medical ecological closed loop from five aspects: government, users, service providers, payers and technology, seize the huge development opportunity of the medical and health market, and create a new engine for the company's future value growth. Specifically, the Ping An medical ecosystem will focus on three major directions: First, it will open horizontally, seize user traffic from the user side, manage institutions from the payment side, and empower service providers to maximize value; The second is to open up vertically, incite the core resources of hospitals, doctors and medicines by serving the government, empower the members of the ecological circle with the help of science and technology, and establish competitive barriers; Third, it has synergistic value with the main business of Ping An Finance in obtaining customers, enhancing customer stickiness and improving the average value of customers.

Among them, Ping An Smart Medical Service Government, Ping An Good Doctors occupy users and online medical services, Ping An Smart Medical Services occupy offline medical services, China Ping An Life Insurance Company of China Insurance Company, Ping An Pension Insurance, Ping An Medical Insurance Technology, Ping An Health Insurance Service Payment, and Ping An Medical Science and Technology Research Institute provide technical research support. Ping An Medical Ecosphere includes a number of online and offline medical and health-related companies, and their businesses are effectively complementary. Ping An is prepared to use the medical ecological circle as a prescription to get through the closed situation of domestic medical care.

Second, technology empowers ecology and drives synergy.

Although the medical ecology is not only for the growth of insurance policies, the main financial business of medical care and Ping An Group itself has natural scene synergy. From a strategic perspective, the medical ecology and financial ecology of the whole group can present a form of mutual assistance.

The growing medical ecosystem has achieved remarkable results in empowering the main business of Ping An Finance. This open day revealed for the first time that 15% to 20% of Ping An's new financial customers come from the medical ecosystem every year. The average number of financial customers who use medical ecosystem services is 3. 1 (2.0 for those who don't use it), and the AUM of financial customers who use medical ecosystem services is about 1 10,000 yuan (5,600 yuan for those who don't use it). In the future, the synergy between the medical ecosystem and the main financial industry will be further reflected in products, flows, services, technologies, costs and many other aspects.

Ma Mingzhe used "three empowerment" to describe the three stages of safety development: technology-enabled finance, technology-enabled ecology and ecological-enabled finance.

Nowadays, the rapid rise of medical ecology is due to the empowerment of science and technology, and the rising medical ecology empowers the main financial industry. I may not have fully understood the meaning before, but now its meaning is self-evident.

Today, China Ping An also demonstrated the world's leading medical technology for the first time, and its core advantage is leading data and knowledge. Xie, chief medical scientist of Ping An Group, introduced that relying on the group's five huge medical databases (disease database, medical product database, prescription treatment database, medical resource database and personal health database), the world's leading medical data center has been established, in which the disease database contains about 6,543,800 disease concepts and 420,000 disease terms. The library of pharmaceutical products contains 6.5438+0.8 million drug instructions and 84,000 cases of traditional Chinese medicine. Prescription treatment database contains 6.5438+0.5 million prescription information and 30 million medical documents. The medical resource database contains 500,000 doctors' information and 2.2 million researchers in China. The personal health database contains 654.38 billion pieces of medical information.

Xie also introduced that Ping An's leading data and knowledge are already the largest medical knowledge base with the most advanced technology, the most comprehensive dimensions and the most abundant applications. These knowledge base information are widely used to support artificial intelligence decision-making by "treating the brain safely". At present, China Ping An has the world's largest intelligent diagnosis assistance platform, the world's largest chronic disease management platform, the world's largest medical database, and the world's second largest number of medical technology patent applications, leading the world in scientific and technological strength.

China Ping An spends 65,438+0% of its operating income on the research and development of innovative technologies every year, and a large part of it will be invested in the medical ecosystem. Ping An was originally an insurance company and later transformed into a technology company. Judging from today's strategy, Ping An may become a medical technology company in the future.

Third, the key position of medical ecology: safe and good doctors

Ping An Good Doctor has become an important member of users and service providers in the strategy of Ping An Medical Ecosphere. It is the leading Internet medical service platform in China and occupies a key position in Ping An Medical Ecosphere.

Doctor Ping An can provide diagnosis and treatment for more than 3,000 common diseases for 346 million users, with an average daily consultation volume of 830,000. At the same time, Dr. Ping An Hao has the largest self-built doctor service group in China, with a resident medical team of more than 1.800 people and nearly 10,000 experts from all over the country. It has also established the largest offline service network, including1.654,38+0.000 cooperative pharmacies, 49,000 cooperative clinics and more than 2,000 physical examination centers. In the first half of 2020, the operating income of Doctor Ping An increased by 265,438+0% year-on-year to 2.75 billion yuan, of which online medical income increased by 65,438+007% year-on-year to 695 million yuan.

In addition to serving individual users, at the B end, Dr. Ping An has created a professional, convenient and safe enterprise clinic for enterprise users, covering more than 500 enterprises; At the H end, Ping An Good Doctor has been online 14 Internet hospitals, and 3 have opened medical insurance.

At the peak of this year's epidemic, the number of new users registered in APP main station reached 10 times before the epidemic, and the average daily consultation volume of new users reached 9 times before the epidemic. On May 15, Dr. China Ping An Hao announced that the Board of Directors had appointed Mr. Fang as executive director, interim chairman and CEO.

Whether the ecological operation is smooth or not, it is very important for the CEO of Ping An Good Doctor to be a position to connect the ecology.

Such a key position has been given to Fang, which means that this is definitely not an ordinary person. Because of its efforts and achievements in the field of business innovation, it was awarded "Shanghai Leading Talent" by the Organization Department of Shanghai Municipal Committee and the Financial Working Committee.

Fang, 47, Ph.D. in Applied Economics, Xi Jiaotong University. He is currently the co-chairman and CEO of Ping An Medical Insurance Technology and the chairman and CEO of Ping An Leasing. He has rich experience in enterprise management, finance, especially medical technology, excellent strategic leadership and outstanding performance contribution.

Important people go to important positions, which shows that Ping An attaches importance to medical ecology.

This appointment will help to seize the major development opportunities of the Internet medical industry and further open up the closed loop of Ping An Medical Health Ecosystem.

In line with the strategic upgrade, Ping An Good Doctor launched a brand-new service brand "Ping An Doctor" on the Open Day. According to Fang, its mission is to build a professional communication bridge between doctors and patients, strive to build the largest Internet medical service platform with the most advanced model and the strongest competitive barriers in China, and strive to improve the existing doctor system and launch innovative products.

Since mid-2020, Ping An Good Doctor will focus on channels, services and capabilities for a comprehensive strategic upgrade, gather patients through four channels: individual users, insurance services, enterprise services and Internet hospitals, provide medical and health services of "medical plus health" and "private doctors plus family doctors", continuously strengthen and expand the network of self-built and external doctors, focus on online medical care, and continuously open up offline services.

Four. conclusion

Although this year's epidemic has had a great impact on social economy and people's lives, it has also greatly promoted the demand for Internet medical services, and recognized that there are many shortcomings in the medical industry that need to be solved as soon as possible.

In the past 30 years, the only one who has experienced financial turmoil and epidemic is the medical industry. Recently, it ranked second in 10, and the only one that surpassed it was a technology company. Because it has been a steady return in recent years, in the past 30 years, the global medical industry investment has ranked first.

Because medical care is people's livelihood, it is just needed. But to make this money, you must solve the pain point of the ecosystem. And with the scale of Ping An Group, only by solving big problems can there be big returns.

It's hard to say how much share Ping An can win in the 16 trillion market. However, Ping An's share in the trillion-dollar life insurance market is about 17%. Suppose that Ping An Medical Ecology can only achieve 10% of the market with the help of the synergistic effect of financial ecology. Even if only the net interest rate of 10% and PE of 10 times are given, the valuation level is10.6 trillion. In the future, the medical ecology is expected to become a new growth engine of Ping An Group.

The construction of medical ecology also embodies Spider-Man's sentence "The greater the ability, the greater the responsibility". Chen Xinying said, "The medical ecosystem is one of the long-term strategic cores of Ping An Group. After more than 20 years of hard work in the medical and health field, Ping An has become a leading medical and health enterprise in China. We hope to build a closed loop of medical ecological services, build strong technical barriers, actively contribute to the construction of a healthy China, improve people's health, seize market development opportunities, and create greater value. "