"Enjoy the economy" is a hot topic. Starting from the formats of online car ride, hotel in short rent and bicycle ride, new terms such as "washing machine", "gym" and "playground" have appeared. But the industry generally believes that,
The label "exclusive economy" should not be mislabeled, and "short-term/short-term lease" and "exclusive economy" should not be confused, because the core of "exclusive economy" is to improve the utilization rate of resources, especially the utilization rate of idle resources.
The reporter of Liberation Daily noticed that a new concept named "* * * enjoys medical care" appeared recently. At a time when many patients think that medical resources are in short supply, is "* * * enjoying medical care" an innovation or a gimmick?
What is "* * * access to medical care"?
Panther Chen, director of the Market and Patient Experience Department of Shanghai No.1 Maternal and Infant Health Hospital, said that at present, the medical treatment enjoyed by * * includes online consultation, multi-point practice, doctor group and so on, which are allowed by the current policy. Medical products based on knowledge surplus, patients just need and artificial intelligence technology are expected to release doctors' repeated work and solve the problems of uneven medical resources and cross-spatial and cross-regional contradictions between doctors and patients.
However, in addition to these ways of enjoying medical care, some entrepreneurs are exploring more logic of "enjoying medical care".
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Jock, founder and CEO of Tuobang, said that their goal is to provide a low-threshold, cost-effective solution for critical illness medical expenses. Specifically through "mutual assistance * * * to enjoy medical expenses", "mutual assistance * * * to enjoy medical resources" and "big health management"
Manage ",solve the problems of serious illness medical expenses, medical efficiency, pre-illness prevention and health care. For example, in terms of "helping each other to enjoy medical expenses", users can enjoy the risks of * * * by paying risk compensation in advance and sharing funds to join the platform.
Ability to take risks.
For example, on 20 17, 171late October, Zheng of Fuqing, Fujian was first diagnosed as a malignant tumor in the First Affiliated Hospital of Fujian Medical University. Second half of Zheng 20 16
One participated in the mutual medical expenses program. According to the project regulations, Zheng's malignant tumor incident was verified by several steps, such as investigation by a third-party audit institution and case publicity, and 30% of the contributions shared by other members on the platform could be obtained.
Ten thousand yuan mutual fund. This mutual aid came from 5.476 million people who participated in the * * * medical plan, and each person shared 0.06 yuan equally.
"If there are more members who are willing to * * *, then the amount shared by everyone in each mutual assistance event will be less." Jock said that this is the application of mutual insurance in the medical field, that is, "if a person is sick, everyone will share it and members will benefit from it", and its essence is also a * * * economy.
Be innovative, but insist on "goodwill"
Then, is it reliable to advocate "* * * to enjoy medical care" in the form of mutual insurance?
Professor Wei Li, director of China Insurance Research Institute and director of the Insurance Department of China Renmin University, thinks that this can be regarded as a supplementary social security method.
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It is pointed out that with the change of social structure and the sharp increase of social security demand, the traditional social security model can no longer meet the needs of modern society, and it is urgent to reform the social security system and build a social security system that matches the market economy system.
Social security system. At present, in addition to the basic social security system led by the government, supplementary social security needs to be solved by the people and the market with the support of the government, which generally includes enterprise annuity, charity and mutual assistance.
Security and other forms.
Wei Li believes that "* * * enjoying the economy" provides a new way of thinking for expanding the forms of social security. Through * * * enjoying security and * * enjoying medical care, social welfare can be improved and the innovation of security cause can be promoted.
Exhibition, solve social anxiety. In this process, we should make full use of new technologies in the information age such as big data and blockchain, integrate and allocate resources more effectively, reduce the cost of people enjoying resources and services, and explore.
Areas where insurance has not been paid attention to or is not easy to realize have become insurance partners and a useful supplement to the multi-level social security system.
Wu Xiaobo, a financial writer, thinks that the innovation of "* * * enjoying medical care" depends first on whether there is "goodwill": "The reconstruction of the world is essentially driven by human goodwill".
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It is said that the essence of enjoying the economy lies in "sharing the remaining time and resources of society and creating new business models". In this process, information and capital leverage are used to integrate resources and improve efficiency through decentralization.
High, realize the fair docking of personnel and resources; Using big data to calculate the possibility is predictive for the construction of social public resources. Starting from this essence, the progressive significance of * * * enjoying the economy to business model innovation lies in the embodiment.
The "goodwill" of an enterprise.
Formally, the business model of * * * enjoying economy can be said to be rich and colorful, involving many fields. However, the medical industry has its particularity, which is related to people's lives and beneficial to patients' individuals or families.
It is of great significance, so any innovation must first meet one condition, that is, there is enough "goodwill." The idea of "* * * enjoying medical care" is very good, but in practice, we must adhere to the basic principle of "goodwill" and not because
Get on the "enjoy the economy" express train and only talk about the business model.
Where is the future of "access to medical care"?
* * * enjoying medical care is different from other * * enjoying economy, and it is very professional. So, where is the medical future in the eyes of professionals?
Panther Chen believes that * * * should use innovative and scientific means and tools to activate the redistribution of surplus high-quality resources and release production capacity. In the future, * * * medical channels will involve graded diagnosis and treatment, referral, access to expert doctor resources, academic resources and laboratory resources, mobile medical care, big health industry chain, medical data, training and other fields, and will be gradually improved.
Industry experts said that the core of enjoying medical care is to activate the medical surplus resources in the existing medical system, promote the full market-oriented flow of high-quality medical resources, and balance different regions and different medical institutions.
Unbalanced supply and demand, improve the accurate matching between doctors and patients, promote the policy of graded diagnosis and treatment and multi-point practice, achieve a win-win situation for doctors and patients, and help the supply-side reform of the medical system.
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Dick also believes that "mutual assistance and mutual aid" is only the primary stage for * * * to enjoy medical care. The next step is to solve the problem of "mismatch of medical resources and random medical care" according to the principle of * * * enjoying economy. He envisions an internet platform and medical care.
Institutions negotiate and cooperate, and through the collection of a large number of qualified medical resources such as hospitals, doctors and medical drugs, use Internet technology to quickly match services for demanders and providers. In this way, patients can accurately find a good hospital and see more doctors.
Convenient and more efficient, while saving money and medical resources.