According to the Statistical Bulletin of Health Development in China, in 2020, there will be 7.74 billion medical and health institutions in China, and residents will visit medical and health institutions 5.5 times on average. Outpatient medical treatment has become a high-frequency demand, but "queuing for two hours and seeing a doctor for five minutes" is a true portrayal of many people seeking medical treatment offline. In addition, the distribution of medical resources in different regions is uneven, which is not available to ordinary users. Repeated outbreaks have also increased the risk of offline medical treatment. Breaking the time and space restrictions and non-contact online clinics on the Internet may help solve this problem.
Based on this, the online outpatient premium of "micro-medical insurance million medical insurance" Internet hospital mainly provides two guarantees for the insured. One is to specify the online outpatient drug fees of Internet hospitals, covering more than 20,000 kinds of commonly used drugs for specific diseases 130, and the reimbursement rate is 70%. The single payment limit is 500 yuan, with a maximum payment of 2 times per natural month and an annual cumulative maximum payment of 1 10,000 yuan; The second is to clarify the cost of special drugs for chronic diseases in Internet hospitals, covering 30 kinds of special drugs for chronic diseases. The reimbursement rate is 50%, and the single payment limit is 2000 yuan. The maximum payment per natural month is 1 time, and the annual cumulative maximum payment is 20,000 yuan.
Micro-insurance has also opened the whole process service of "online consultation+drug direct compensation+drug delivery to home". The insured can enjoy the online consultation service of the designated Internet Hospital (Yinchuan Pinchi Internet Hospital) for an unlimited number of times throughout the year after being diagnosed with a specific disease agreed in the contract by the hospital. For the electronic prescriptions issued online by doctors in designated Internet hospitals and drugs purchased in online pharmacies, the drug expenses within the scope of guarantee responsibility can be directly reimbursed, and individuals do not need to pay in advance; Micro-guarantee can also provide home delivery service for users, and drugs can be delivered to the door in 28 minutes at the earliest.
The launch of online outpatient service in Internet hospitals has opened a closed loop of "online medical treatment, drug purchase, payment and reimbursement", allowing users to obtain efficient and safe outpatient medical treatment and medication services anytime and anywhere, reducing the risk of medical treatment in the current situation of repeated epidemics.
In addition, in order to provide users with high-quality insurance services, Micro-insurance has launched a real-life micro-butler service since 20 19, providing users with professional and worry-free butler services, such as answering questions when purchasing insurance online, using various insurance tools to help users understand the protection needs, and assisting in claims settlement after an accident. Over the past two years, micro-hosting has provided services to nearly 2 million users, of which nearly 300,000 users have made claims. In the first half of 20021,micro-trusteeship helped users to handle disputes and claims, with an amount of 5186,000 yuan.
The person in charge of micro-insurance related products said: "Through value-added services and cost-effective advantages, millions of medical insurance has become diversified and the health insurance value chain has been continuously extended. In the face of repeated outbreaks and potential unknown risks, consumers' demand for health risk protection continues to heat up, and the imagination of health insurance upgrade is also constantly upgrading. Under the guidance of regulatory policies, the industry began to serve the whole life cycle health management such as product matching health promotion and chronic disease management. More scene-based, personalized and high-quality security services will help to build a health protection ecosystem covering the whole life cycle of home users. "
(Editor Zhang Mingfu)