Everyone has seen the opportunity, but it is still the social security family that is in front of everyone, and the commercial health insurance is still difficult to get angry... How to change this pattern, what should we start from?
"I don't hold BAT's thighs, I am holding the insurance thighs." This is a famous saying when Chun Yu, a doctor in the spring of January 2016, discussed the business model of Dr. Chun Yu. Insurance is not only regarded as the payer of mobile medical care . With the development of China's medical reform, the current medical insurance fund has the danger of breakdown from the national level; from the perspective of public hospitals, it faces the pressure of medical insurance control. In the face of opportunities, how commercial health insurance and their "playing well" have become a hot topic.
From the perspective of some countries with perfect medical security systems in the world, commercial health insurance is an integrator and an important component of the industrial chain in the medical health industry chain. However, in China, although commercial medical insurance has been developed for more than a decade, it is still outside the basic medical insurance and exists as a “beneficial supplementâ€.
Under the circumstance of the expansion of the national medical security system and the increasing proportion of reimbursement, the aging of the population and the rejuvenation of chronic diseases, China's medical expenses are running at a high rate of 20% per year, while the growth rate of GDP is maintained at about 7%. Running around, so the national basic medical insurance fund is facing greater pressure. In some places, the new rural cooperative medical insurance has appeared in the bottom of the medical insurance fund. As a result, everyone has turned their attention to commercial medical insurance that has been freed from basic medical insurance. Commercial medical insurance has been placed on the hope of inciting medical reform.
At the “Pujiang Jiangjian†2016 International Health Risk Management Forum held on April 21, Li Hang, director of the Health Insurance Department of the China Insurance Regulatory Commission’s life insurance supervision department, pointed out that “the country develops commercial health insurance, a relatively core The purpose is to control the rapid growth of medical expenses. In the 'three medical linkages', medical insurance is the leader, and the reform of medicine and medical care is promoted."
Therefore, although the current health insurance is still in its infancy in China, as the largest possible medical payment party in the future, whether at the national level, mobile medical companies and venture capital institutions, we want to look for bright prospects here. Insurance companies are also actively preparing for a health insurance business model suitable for development in China.
According to the information released by the China Insurance Regulatory Commission, there are five professional health insurance companies in China, including Ping An Health, PICC Health, Kunlun Health, Harmony Health, and Taibao Security. There are more than 100 insurance companies that carry out commercial health insurance business. Mao Weibiao is the general manager of Ping An Health Insurance Co., Ltd. He has always been optimistic about China's health insurance in the future, and believes that a trend in China's insurance industry in the future is to return to health insurance and other security products.
Zhang Feng, a partner of Yingxin Ruifeng Capital, is also optimistic about commercial health insurance. He said that the value of doctors' services in the medical industry that provide the highest value service is underestimated, which leads to the value of doctors from the profits of medicines. Subsidize them. However, the situation will change in the future. As the final payer, medical insurance will form a huge profit value to control the transfer of this profit to all parties.
Soba Noodle,Tartary Buckwheat,Sesame Soba Noodles,Soba Cup Noodles
Huantai Biotechnology Co., Ltd. , https://www.huantaifds.com