Innovation of health insurance products in the era of big data

The Fifth Plenary Session of the 18th CPC Central Committee, proceeding from the coordinated promotion of the "four comprehensive" strategic layout, put forward the grand goal of "promoting the construction of a healthy China", which showed the country's great attention and firm determination to safeguard national health. The reporter learned from the Health Planning Commission that according to the requirements of the central authorities, the National Health and Family Planning Commission is studying and compiling.

The 13th Five-Year Plan for the Construction of Healthy China will be a programmatic document to promote the construction of healthy China in the next five years. With the implementation of the "Healthy China" strategy, the medical and health industry focusing on big health, big hygiene and big medicine during the "Thirteenth Five-Year Plan" period is expected to break through the market scale of 10 trillion. The medical and health industry will also lead a new wave of economic development, and medical services, health insurance, innovative drugs, precision medical care and Internet medical care will advance by leaps and bounds.

The application of big data in China medical industry needs to be promoted urgently.

However, with the deepening and penetration of internet plus Thought in various fields of society, how to adapt medical services to this era of big data, make full use of all kinds of useful data, and establish an efficient and efficient service platform is the most urgent thing at present.

There are many successful applications of medical big data in developed countries that are worth learning from. For example, the Centers for Disease Control and Prevention in the United States published medical data, telling patients about different medical programs, so that patients can choose more cost-effective treatment programs. In addition, the perfect combination of precision medicine and big data has made personalized treatment applications achieve a new leap. For the treatment of cancer, through the analysis of large data sets such as genome, we can study gene variation, realize individualized medical treatment and adjust drug dosage. McCarthy once estimated that in some cases, by reducing prescription drugs, medical costs were reduced by 30% to 70%. In addition, the cost of treatment and surgery for early detection of tumors is half of that for later detection.

Medical internet plus calls for innovation.

Recently, the first Internet hospital in China settled in Wuzhen. Wuzhen Internet Hospital opened a new medical model of "internet plus". Doctors and doctors, doctors and patients can complete the diagnosis and treatment process through online video without face-to-face, including electronic prescription and dispensing. This will greatly save the time of doctors and patients. In addition to the innovation of hospital medical model, the technological innovation of medical equipment and the development and utilization of technical platform will also greatly promote the development of China's medical industry. For example, the EPIQ color ultrasound diagnosis system launched by Philips, relying on the big data platform, realizes the intelligence of individual examination, simplifies the analysis steps with one key, and quickly presents accurate examination results, which can make the doctor's diagnosis process get twice the result with half the effort.

The "Cardiovascular Chronic Disease Management Solution" jointly developed by Philips and Peking University No.1 People's Hospital is also an innovative solution for health self-management in the "internet plus" environment. The system helps hospitals to expand the care of discharged patients by connecting senior hospitals, primary hospitals and families. For hospitals, the system will help doctors to better manage out-of-hospital patients, monitor the symptoms and related physiological signs of discharged patients, make diagnosis and adjust prescriptions in time, and avoid the aggravation of patients' conditions. For patients, the system can make patients get professional health guidance in time after discharge, and mobilize the enthusiasm of patients to implement self-management of chronic diseases. As Mr. Chen, vice president of Philips and general manager of medical information solution business department in Greater China, said, "This solution is one of the important innovative practices to explore how to use medical information to realize the health management of chronic diseases, thus alleviating the pressure of the current medical system. Our purpose is not only to provide solutions, but to build an ecosystem of continuous medical services. "

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.