Mobile medical development to today, whether it is the BAT giant, or the good doctor, Chun Yu doctor and other latecomers are competing into this market, the "Internet + medical " model is trying to reconstruct the traditional medical ecosystem and change all aspects of medical treatment.
Recently, Zhongan Insurance, the first Internet insurance company in China, announced that it will provide a series of guarantee services such as medical insurance and insurance for the online diagnosis and treatment of the first electronic prescription. A one-stop solution for individuals to provide customized skin health treatments, allowing users to complete diagnosis and treatment without leaving home. In the future, Zhongan Health will use this as an entrance to provide full-process guarantee services for o2o medical ecology consultation, prescription, drug distribution, and treatment.
In foreign countries, telemedicine , online diagnosis, mobile phone management of chronic diseases, and data collected by wearable devices have begun to prevail. Relevant research data show that by 2017, the domestic mobile medical market will reach a scale of 12.5 billion yuan, and currently there are as many as 200 mobile medical apps in China, but because of the complexity of the disease and supervision, etc., most of them focus on online medical care. consultation service. In the field of skin health, as one of the few types of diseases that can be diagnosed according to the external morphology of the skin, it is possible to solve all the needs of patient consultation, online prescription, and drug distribution in one stop. As an online hospital for dermatology, Skinbao cooperates with nearly 100 large-scale dermatology specialist hospitals and professional skin disciplines in China, so it can issue authoritative electronic prescriptions for users, and the pharmaceutical group distributes medicines offline.
Zhongan Insurance has fully escorted this new attempt in the field of smart medical care, providing a series of guarantee services including doctors' personal occupational liability insurance and accidental injury insurance for online doctors to maintain the relevant rights of platform doctors.
In this cooperation, Zhongan Health strives to use this as an entry point to make a good last pass for O2O treatment. Zhong An Product Manager Xu Yilu believes that this cooperation with Skin Bao is a test of Zhongan Health in the O2O online medical field. In the future, O2O online medical field will be embedded with more customized insurance to meet various links. Derived new demand.
"Active management of user health" is the consistent logic of public health. In fact, this is the first time that Zhongan Health has entered the online medical treatment platform. It is a test in the smart medical layout after cooperation with wearable devices and mobile medical hardware. “The cooperation on doctors' liability insurance is only the first step.†Xu Yulu said, “In the future, we will not only protect the rights of doctors, but also actively manage user health from the source. In the whole process of consultation, prescription, drug delivery and treatment. In-depth cooperation will be launched to provide more and better protection services for the O2O medical ecosystem."
It can be seen that health insurance is not only the protection that occurs when users “lose healthâ€. The “Internet + health insurance†model is trying to rebuild the traditional medical ecosystem and change the way of health management, medical treatment, medical experience and drug purchase. And the doctor-patient relationship and other aspects. It is understood that Zhongan Health began to be formed at the beginning of last year, completing system construction, team equipment and product preparation in three months, and began to conduct external business. Among them, relying on the user experience innovation brought by technology - the small case online claims can be completed within 3 working days, and the health insurance products with Internet genes have also changed the low-frequency mode of the previous insurance products. High frequency interaction with users.
Actively managing user health from the source, using smart medical hardware such as wearable devices as the entrance, using big data to customize insurance services, and upgrading health insurance to health management services is the consistent logic of public health. Previously, Zhong An Insurance launched a health insurance product based on the sports factor as a pricing basis – step by step, the user is through the wearable device, a certain amount of exercise steps per day, you can deduct the corresponding premium. Another product, the sugar baker, is directly linked to the blood glucose measurement of the blood glucose meter, and urges the user to manage their own blood sugar health.
According to industry insiders, the future combination of the Internet and health will have more imagination, especially the health management services, and the future will be a new growth point for the industry. In this respect, Zhongan Health has many resources and has been deployed in the O2O medical field. Zhongan Health said that it will continue to explore in the field of smart medical care and innovate insurance with medical institutions partners.
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