On December 18th, New Century Medical held a press conference in Beijing to jointly launch the “Panda Kangbao Health Benefit Plan†with Ping An Property Insurance and Zhongnuopu Hui, aiming to create a pediatric HMO health management service model.
The "Panda Kangbao Health Welfare Plan" launched by the tripartite cooperation is a member protection plan for the HMO model of children's groups. The price is 18,800 yuan, targeting high-end people, with high insurance coverage, breaking through the national social security drug restrictions, and direct compensation. .
"Service + Insurance + Staging" work together to establish a membership system
"In the context of the state encouraging social education, private medical institutions should have been better developed, but in the actual advancement, there have always been two problems." Zhou Jun, founder, chairman and CEO of New Century Medical, pointed out that One is quality medical resources, and the second is payment. As a “early adopter†of the PPP public-private partnership model, New Century Medical has stood in the position of high-quality medical resources and is constantly exploring the innovation of payment models.
The "Panda Kangbao Health Benefit Plan" released this time is born out of the Panda membership system of the New Century Medical. As early as 2007, New Century Medical launched the “Panda Doctors Club†in its hospitals. Each member will be equipped with general practitioners and health care doctors. In addition to receiving disease treatment, members also include health management services such as feeding, growth and development, and vaccines. .
The three parties to the cooperation represent the role of “service + insurance + stagingâ€. According to reports, New Century Medical will provide members with health management and disease diagnosis and treatment services based on its coverage of women's and children's health care services across the country, including Panda doctors, registered green channels, surgery and critical illness VIP services; The organization provides child protection plans for insured members, including 5 million insured amount, covering health care, outpatient, inpatient, referral and other services; Zhongnuopuhui serves as a bridge between the two parties through the combination of medical and financial technology. A zero-pay interest-free installment plan for members to reduce the “threshold†of participating in the benefit plan.
Prior to this, New Century Medical had cooperated with Zhongnuopuhui to launch high-end maternity package staging services, and also incorporated commercial insurance cooperation into medical services. "But this is the exploration of the combination of pediatric medical services and insurance in the new century. In the field of non-public medical care, the data sharing and fee-cooperation cooperation between medical institutions and insurance institutions is not very sufficient. We hope to be a pathfinder." Jun said.
In addition, the "Panda Health Care Plan" will also introduce the relevant technical support of Ping An Technology in AI and cloud computing, including disease prediction system, perioperative intelligent management platform and CDSS smart medication support.
Create a pediatric HMO to pave the way for “big health†and “big data control feesâ€
Prior to this, there were early days of safe medical doctors, micro-medicine, and clove gardens to develop HMO medical service models. “In the field of pediatric HMO, there are few attempts in the industry.†Co-founder and Strategic Development Department of Zhongnuopu Hui Director Cong Guofan expressed his concern for the health of Yiou.
HMO is called “Health Maintenance Organization†and is usually translated into a health management organization. It is a representative of the managed medical insurance model. The general service provider collects fixed prepaid expenses and provides comprehensive medical services for active participants in specific regions.
Chen Chen, director of the Ping An Property & Casualty Medical and Health Care Department, mentioned that the medical system and the insurance system are particularly related to commercial insurance. Although the two sides have a combination, the situation has always been “hotâ€: insurance companies develop various The products have never been effectively integrated with medical institutions.
Different from the ordinary HMO model, this pediatric HMO can first rationalize the medical-risk cooperative interest relationship, Ping An Property Insurance and New Century Medical, and jointly responsible for the treatment costs. In this kind of cooperation, hospitals and doctors will not increase profits due to multiple visits and treatments, and achieve a balance of interests between hospitals, doctors and insurance, and patients can be cured more quickly. Coupled with the deepening of the concept of prevention, health care and nursing in medical services, the actual orientation of this plan is “great healthâ€.
Zhou Jun also mentioned that the ultimate goal of launching this plan is to realize the transition from “passive treatment†to “pursuit of healthâ€. Members can receive follow-up and intensive care through preventive health management.
If you zoom into the non-public medical industry , this model will also provide a model for future insurance cooperation with private medical institutions. In addition, there are more than 160 million Ping An Group, more than 60 million customers in Ping An Property Insurance, and more than 7,000 members of New Century Medical. Once the insurance data and medical health big data are opened, the future is based on big data, in AI. Innovations in medical insurance control driven by emerging technologies such as cloud computing will make the imagination space quite impressive.
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