Pharmacy impact geometry
For retail pharmacies, the biggest impact of this reform is that the employee health insurance individual account pool of funds shrinks, the individual account of the annual intake of direct about half.
Currently, pharmacy income? Half a life? Dependent on employee health insurance individual account. National Health Insurance Bureau data show that in 2019, the employee health insurance personal account in the pharmacy spending costs 202.9 billion yuan. This figure, nearly half of the size of the drug retail market. Zhongkang CMH data shows that in 2019, the overall scale of China's drug retail terminal is about 455.5 billion yuan.
In addition, employee health insurance individual accounts are also one of the driving factors for pharmacy revenue growth. Zhongkang data show that in terms of customer groups and payment methods, the young customer base and health insurance payment drive the sales growth of retail pharmacies in 2019.
Employee health insurance personal account shrinkage, alone, there is a certain degree of shortcomings in the health insurance designated pharmacy revenue, and will also constitute an impact on the drugstore customer flow, the pharmacy needs to make an early response.
However, it's not all bad for pharmacies. Although the individual account of the money less, but the use of the individual account of the scope of relaxation. After the reform, the personal account can not only be used by themselves, but also their spouses, parents and children can also be used to buy drugs and medical supplies in the pharmacy.
In addition, the employee's personal account has not been canceled, the personal account has been accumulated part of the personal account is still owned by the individual, unaffected, but only the cumulative balance of the pool will gradually shrink, but there is a process, which also provides a buffer for the pharmacy.
Guoxin Pharmaceuticals research report that the employee health insurance outpatient ****ji and personal account reform is essentially a manifestation of the integration of the retail pharmacy industry, the pros and cons of each other. On the one hand, the personal account reform may lead to this part of the source of funds narrowed, outpatient into the integrated may produce a certain diversion, health insurance designated pharmacy diversion role has been weakened, the demand side may be affected to a certain extent; on the other hand, with the outpatient into the integrated process to promote the drugstore into the integrated expected to enhance the same time, the Internet, the settlement of the medical insurance of the different places of the reform of the retail drugstore is expected to bring good.
It is not difficult to foresee that, with the shrinking of individual accounts and the enhancement of outpatient integrated treatment, the importance of outpatient integrated qualification for pharmacies will be further emphasized.
A listed chain data show that the co-ordinated account health insurance is mainly for special diseases, chronic diseases, major diseases, its health insurance co-ordination stores are mainly for chronic diseases, store unit price is higher, the company's average unit price of drugs is about 70 yuan, while the health insurance co-ordination store unit price of more than 450 yuan, and customer stickiness is higher.
The listed chain also revealed that the general health insurance stores to get the integrated payment qualification, the first year of revenue growth of about 20-30%, the second year close to the average growth level. If the store directly into a chronic disease pharmacy, often the first year sales can grow 2-3 times, subsequent growth rate is also higher than the average growth level.
In this regard, some industry insiders believe that the path of individual account reform has been clear, the pharmacy either to fight for access to the co-ordination, to strengthen the prescription drug-based specialty pharmacy; either get rid of the health insurance dependency, upgraded to a large health pharmacy; or double cross or specialize in one of its own, should be as early as possible to find their own positioning and value in the new health care reform.