Recently, commercial health insurance has returned to the public’s vision with a high -speed growth attitude.The latest health insurance data released by the State Administration of Finance Supervision shows that in the first two months of 2024, the income of health insurance premiums in property insurance companies increased by 8.83%year -on -year; personal insurance companies’ health insurance premium income increased by 10.55%year -on -year.To the growth rate of double digits.”The health industry has the characteristics of crossing the economic cycle.” At the 2024 molecular insurance technology festival held on April 17, Ji Chunhui, the founder and CEO of Yingshi Health, said that the health insurance as theImportant payment methods of industry have continued to rise in premiums in recent years.
In response to it, as a one -stop solution science and technology platform for deep cultivation of health insurance, since its establishment in 2017, Yingshi Health has reached 79%, showing the strong growth momentum of the industry.”Insurance companies with the top four global premium income are mainly about health insurance.” Ji Chunhui said that as my country’s aging social level gradually deepened, health insurance for medical protection is the most certain, durable and developing in the industry. Just need the track.
Taking value medical insurance as an anchor point
According to the China Banking Regulatory Commission’s “Opinions on Promoting the Development of Commercial Insurance in the Field of Social Services”, the scale of my country’s commercial health insurance market will strive to exceed 2 trillion yuan by 2025.As the development of health insurance has gone through a roller coaster -style blowout and calm period, the return of the essence of health insurance has become an industry consensus.”Payment for value medical care”, in Ji Chunhui’s view, health insurance spans two major majors: “medical care” and “insurance”. The former is the essential demand and the latter is a payment method.”Yingshi Health has established value medical insurance as -oriented since its establishment, and provides high -quality medical security services through product innovation and full -process management.”
Over the years, Yingshi Health has innovated more than 70 health insurance products, more than 10 new products, covering millions of medical insurance, mid -range medical insurance, high -end medical insurance and disease insurance insurance.Reach in -depth cooperation with more than 40 insurance platforms, including China Life, China Insurance, China Taiping, China Ping An, Sunshine Insurance, Meiya Insurance, JD.com, Junlong Life, Mingya Insurance, Big Tong Insurance, Insurance Master, Pan GanHua insurance and so on.
Health insurance products that are developed by Yingshi Health continuously achieve industry innovation and breakthroughs: the first gene precision medical and targeted drug medical insurance in the launch industry in 2017; the first 80 -year -old anti -cancer -proof anti -cancer in the industry in 2018;Insurance; In 2020, the first industry in the industry can underwrite the medical insurance of seven types of diseases such as hypertension, diabetes, liver disease, nephropathy, lung nodule, breast nodules, and thyroid nodules;Long -term mid -range medical insurance … Talking about the principles behind product innovation, Ji Chunhui pointed out that first of all, it is necessary to innovate on the basis of compliance with the industry specifications of the two major fields of medical care and insurance. Secondly, To have the product of continuously leading the market, and finally take into account the risks, and the product is sustainable.”Only in this way can the customer’s compensation be available, the service can be done, the insurance company does not lose it, and the customer can sustain the insurance.”
Create management medical care in PPO mode
On the one hand, how to achieve the continuous innovation of “value medical insurance” products, and how to better land on the other side management medical treatment, and to introduce the commercial insurance mechanism to improve the efficiency of medical resources, improve the value of medical services, and reduce medical expenses expenditure at the same timeThe goal.
In this regard, Yingshi Health adopts the PPO model to achieve the implementation of management medical care.”The medical network is more open. Users to choose a more flexible PPO model are more suitable for the current status of my country’s medical system, which is in line with Chinese people’s diagnosis and treatment habits,” Ji Chunhui said. leading position.”Union Health Group Pass
On the one hand, health insurance technology, medical services and drug benefits, on the one hand, strengthen the control of medical expenses, effectively reduce payment costs, on the other hand, optimize customer experience, enhance customer viscosity, and strengthen effective synergy with medical service providers.”
Yingshi Health has also established a PPO -based service “Iron Triangle”: At the level of health and insurance technology, based on the needs of user full -process service, self -developed intelligent underwriting, intelligent claims, medical service platforms and other systems.Digging, improving the efficiency of medical health pipes and risk control processes, and providing customers with a better service experience; at the medical service level, based on the advantages of medical resources, a medical service network covers domestic and foreign, including more than 1,300 cooperative DTP pharmacies, domestic domestic, domestic domestic, domestic domesticThere are more than 10,000 secondary and third -level comprehensive medical institutions and specialized medical institutions, covering more than 220 cities in China, overseas medical care in Europe, Asia and the United States, and reaching a cooperative relationship with United Health Insurance to share their powerful medical networks in the United StatesResources; at the level of drug welfare, based on the construction of drug supply chain, it provides reasonable medication and accurate medication, and controls the cost of control.
Industry insiders said that my country’s health insurance industry is still in the initial stage of development. In addition to the management of cost claims, management medical care needs to be specialized in the content, form, time, doctors, and service venues of medical services.This puts forward high requirements for professional capabilities, medical resources, system construction, and professional services. To form an integrated medical service platform, it needs to accumulate and precipitate the medical industry for a long time.
Ji Chunhui, the founder of Yingshi Health, graduated from Shanghai Medical University (now Shanghai Medical College) in Shanghai Medical University.Medical background and industrial chain -related resources.More than half of the employees in the company also have related backgrounds such as professional medicine and health insurance, which provides important talent reserves and professional accumulation for the creation of management medical care.
In the future, under the trend of value medical care, Yingshi Health will further take health insurance products as the starting point, open up medical resources channels, integrate medical services ecosystems, realize the collaboration of medical and insurance, and provide more users with high qualityServe.
