The current health insurance market is dominated by critical illness insurance and fixed-source enterprises that provide limited protection. Most of the products in the health insurance market cannot be truly grafted with medical services. The fixed-rate payment is an amount that is provided after the incident, and the method of this quota operation is separated from the medical service. In other words, in addition to obtaining certain financial security, users cannot get support and help in medical services. Once a disease occurs, it means that the relationship with the insurance company is over.
Most of the enterprises' enterprise supplement products are medical services within the system, which cannot affect the service providers (public hospitals), and because the guarantees are extremely limited, in most cases, they are only passive claims, and insurance companies cannot participate in the service. As a tool for payment, there is not much value in preventing medical risks in the long run.
In summary, both products provide limited financial security, do not have the potential for long-term service, and there is not much overlap with the changes in the user's health status (sickness, treatment and rehabilitation). Unable to intervene in this chain. Therefore, although these two categories of products have achieved rapid growth, in the long run, it is not the core product of medical insurance and service integration. It is impossible to establish long-term relationship with users and go deep into the entire chain of medical services to serve users. .
This is largely due to the inability of commercial payers to intervene in the system's medical system. The current high-end market is very narrow, and the low end is incapable of competing with public institutions. Therefore, we believe that the most capable of providing protection and services in the future will be the protection products for the middle-end population. It is most likely that this type of service and control costs will be closely related to the external medical institutions, and both Development is complementary.
First of all, only the payment-type products that provide comprehensive medical protection will be involved in the user before, during and after the illness, and the user's disease expenditure is directly related to the insurance company. In order to avoid higher claims, the insurance company pays for it. Type products have the power of cost control, so they will want to graft project management, disease management, health education and other projects. While the effects of these services are not directly reflected in the numbers, they make sense from the user's experience and risk control. In contrast, fixed-pay products and low-security products are difficult to directly intervene in the health of users.
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