Xinmin Evening News (Reporter Tan Ying) On February 27, MediTrust Health launched the commercial insurance medical payment platform "One Code Direct Payment" in Shanghai. This platform provides an integrated medical expense payment and claims service solution, allowing commercial insurance customers to experience a new high-quality insurance payment experience of "pay at any time, worry-free medical treatment, and easy claim settlement".
Wang Rundong, President of MediTrust Health, said that the current mainstream payment model of medical insurance is "self-payment first, then claim", which cannot effectively solve the current financial pressure of patients. A more humane service method than post-event claims is advance payment, but this model is limited by complex processes and procrastinating timeliness, and the coverage is limited; At present, the most time-efficient insurance direct payment service can only be realized in the high-end medical field, and the high premiums are difficult for ordinary people to reach. If you want to apply for advance payment for medical treatment, you need to upload an average of 7 documents such as medical records, and 40% of customers need to make up the documents again. After that, the insurance company and the advance payer need to communicate about 6 times, and it takes about 8 days from the customer's application to the advance payment to the hospital. The average length of stay in medical care in China is now 37 days, which resulted in 98% of the customers of commercial medical insurance with the advance payment function, still pay their own money.
Wang Rundong introduced that the innovation of one-code direct payment products has achieved three major breakthroughs: first, the medical network is wide, and users can enjoy direct payment services when they seek medical treatment in public hospitals at their doorsteps; The second is the ultimate commercial insurance payment experience, whether the patient is in the pharmacy or hospital, outpatient or inpatient, only need to show a code of direct payment at the time of settlement*** can be directly settled; Third, the insurance risk control has been comprehensively upgraded, based on the intelligent and efficient risk control system of one-code direct payment, which can effectively simplify the cumbersome process of direct payment and subsequent claims, and greatly improve the user experience. He said: "One-code direct payment will change the medical payment ecology of China's medical insurance, realize the wide coverage of medical institutions, the full access of hospital pharmacy scenarios, and the ultimate improvement of commercial insurance customer experience." MediTrust Health looks forward to cooperating with more insurance companies, taking customer needs as the guide and customer experience as the journey, and opening a new era of insurance payment. ”
Taikang** "Medical Worry-free" medical insurance became the first product to include the one-code direct payment service. Gong Qiao, deputy general manager of Taikang** Health Insurance Division, introduced that the "Pharmaceutical Worry-free" product series launched by Taikang ** focuses on the core medical needs of middle-class people and families with "good hospitals, big experts, and imported medicines", and helps customers achieve comprehensive "freedom of medical treatment", that is, "freedom of medical information", "freedom of hospital choice", "freedom of advanced medicines and equipment" and "freedom of medical expenses".
According to the National Health Commission, it is estimated that around 2035, the elderly population aged 60 and above will exceed 400 million, accounting for more than 30% of the total population. The aging population has given rise to a huge demand for health, medical care, and pension, bringing a broad market space for commercial health insurance, and it is imperative to upgrade and drive insurance payment services for the elderly by digital means. As an industry-leading innovative medical service and security platform, MediTrust Health provides a solid underlying technical guarantee and operational support for one-code direct paymenti.The X intelligent platform integrates full-link intelligent collection, intelligent calculation, and intelligent payment throughout the entire medical treatment and claims process, realizes process innovation, efficiently connects pharmaceutical companies, insurance companies, hospitals and patients, and promotes industrial collaboration. One-code direct payment minimizes the time, energy and economic pressure of customers' medical treatment, which helps insurance companies to boldly carry out product innovation, promote the upgrading of insurance consumption with "medical treatment first, pay later", and seize the opportunity of the silver economy.