For the first time in Henan province, commercial insurance paid directly, and patients paid immediately after discharge.

For the first time in Henan province, commercial insurance paid directly, and patients paid immediately after discharge. On April 27th, Ping An Medical held a launching ceremony with Zhengzhou Central Hospital and China Ping An Life Insurance Company of China Insurance Company, announcing the official launch of the direct compensation platform for commercial insurance, marking the first realization of the direct compensation model for commercial insurance in our province. Relevant persons in charge of the Provincial Health and Family Planning Commission and Zhengzhou Health and Family Planning Commission attended the event. The following week, many hospitals in our province also signed up to join the platform.

What benefits did you bring to the patient?

On the day of the launching ceremony, Lian Hongkai, president of Zhengzhou Central Hospital, said that by providing patients with commercial insurance direct compensation services, realizing one-stop settlement of hospitalization expenses and building a convenient service system, the work and management efficiency of medical institutions will be greatly improved.

? Zero materials, zero waiting, to achieve rapid claims. ? Li Wenming, assistant general manager of China Ping An Life Insurance Company of China Insurance Company, said that at present, there are more than 1000 Ping 'an customers in Zhengzhou Central Hospital every month. This time, the hospital information is connected with the insurance core system, so that patients can get claims on the spot when they leave the hospital, which saves the trouble of preparing their own medical records, expense lists, discharge summaries and other related claims materials.

According to reports, some patients have experienced this convenient service before.

In April this year, Mr. Zhang, a customer of China Ping An Life Insurance Company of China Insurance Company, was hospitalized in Zhengzhou Central Hospital with his 6-year-old son suffering from acute appendicitis. When he was admitted to the hospital, Mr. Zhang learned that Zhengzhou Central Hospital could handle commercial insurance direct compensation service and came to the hospital window to ask? Direct compensation? Apply. Subsequently, through the direct compensation platform of Ping An Medical Commercial Insurance, Mr. Zhang's son's hospitalization information and claims data were synchronized to the claims system in China Ping An Life Insurance Company of China Insurance Company in real time, and automatic acceptance and entry were completed. It is understood that the commercial insurance direct compensation platform opens up the hospital information system and connects with commercial insurance companies, realizing the real-time transmission of customer hospitalization information and claims data to Ping An's claims system.

At the time of discharge, after medical insurance reimbursement and direct compensation from commercial insurance, Mr. Zhang only needs to pay more than RMB 100 at his own expense. Mr. Zhang said: it's so convenient for the insurance company to settle accounts directly with the hospital and never have to go to the insurance company to apply for claims again! ?

It is understood that at present, Ping An's commercial insurance such as hospitalization, accidental medical treatment and hospitalization days can realize direct compensation on this platform.

What changes have it brought to medical development?

The opening of commercial insurance direct compensation service will help public hospitals optimize their income structure, enable people to obtain diversified comprehensive financial services, increase their ability to pay, and finally effectively improve the level of medical security.

? Commercial insurance direct compensation platform is of great significance to hospital information construction. ? Mao Feng, general manager of Ping An Medical Henan Branch, believes that opening up social security, commercial insurance and out-of-pocket payment channels and realizing a unified payment platform for social security and commercial insurance in medical scenarios can improve efficiency and save costs for social security and commercial insurance institutions, and realize comprehensive financial services such as quick compensation, first diagnosis and then payment.

Mao Feng further elaborated that commercial insurance, as an important supplement and guarantee for residents' medical health management, will play an increasingly important role in the future, including service mode, personnel management and evaluation system, medical credit, and medical association construction. Hospital informatization construction depends on the business development needs of the hospital. With the deepening of cooperation between commercial insurance and medical services, the construction of hospital informatization foundation and data platform is becoming more and more important. Through information construction, hospitals can integrate with various medical products and services, comprehensively improve the comprehensive service level of hospitals and improve residents' satisfaction with medical treatment.

? After Zhengzhou Central Hospital launched the direct compensation platform for the first time, it attracted the attention of many hospitals. At present, many hospitals have signed contracts with us one after another to introduce the direct compensation platform. ? On May 5th, Mao Feng said that the direct compensation platform is an open platform. Except Ping An Insurance, commercial insurance from other insurance companies is not refused. All insurance institutions are welcome to access, enjoy resources and try their best to provide services for more users.

Insurance+medical care opens up new space

The commercial insurance direct compensation platform is only an entrance to the medical business of Ping An Hospital. The reporter also learned that Ping An, which started with insurance, has two major priorities besides the big financial asset strategy, namely the big medical and health strategy.

At the beginning of this year, China Ping An was spun off from Ping An Pension and set up a new subsidiary? Ping An Medical Health Management Co., Ltd. undertakes critical illness medical insurance projects, medical insurance handling services and provision? Smart medical insurance? Management and service system, etc. , plus the already formed mobile Internet consulting platform? Safe and good doctor? , chain clinics? Wanjia clinic? The closed-loop planning map of the entire health care industry path is vividly on the paper.

It is reported that Ping An Medical is committed to becoming? China's largest open management medical service platform? Focus on the key areas of medical reform, and build an accurate, reasonable and convenient one through efficient connection and effective cooperation with all participants in medical and health services (including social security, commercial insurance, medical services and insured persons)? Three medical linkages? New ecosystem.

Not only Ping An in China, but also many insurance companies, such as China Life Insurance, Sunshine Insurance, Taikang Life Insurance and PICC Health Insurance, have also laid out medical and health fields, and the development trend of insurance+medical care has gradually warmed up.

Some experts pointed out that in addition to medical insurance reimbursement, patients only realize real-time settlement of commercial insurance. Insurance+medical care? The first step of the new model. In recent years, the state has been actively encouraging and promoting commercial insurance institutions to participate in medical insurance as a powerful supplement to basic medical insurance. In this situation, commercial insurance is combined with Internet technology, big data, cloud computing and other means through the service mode of Internet medical care and comprehensive finance. Medical insurance, medicine, medical care? Play an important role in linkage and medical insurance reform and become an exploration? Insurance+medical care? The direction of the new model.