Rui Fude have health insurance branch in Shanghai and Guangdong Development Bank Shanghai Branch, the East venture (600,278, it shares), FAW Car (000800, and it shares), and other enterprises to carry out the "Health Management" co-operation, receiving a total of 80 health management costs Million. Although small, but as a professional health insurance companies in premium sources other than opening a new path.
Difficult to take the first step
According to Rui Fude Health Center, Shanghai Health Management Professor Zhang Jun, through health and hospital management companies and co-operation to achieve the integration of indirect health-care resources. The signing of several enterprises, will be personalized medical examination, medical insurance, health education, medical examination after the health assessment and health information files, such as the establishment of professional services.
Last year, health insurance Ruifu De launch pay-on-patient medical insurance to cover the "health management" model: toll in more than 500 customers will be able to enjoy the in-patient services and health management, appointment of experts, day-to-day guidance of chronic diseases, such as concessions .
However, the market feedback shows that the needs of individual customers for the cost of additional expenditure, "Health Management" are not keen to become sensitive to the price of professional health insurance companies to promote the "health management" failed to roll out in the first place.
Zhang Jun said that the same business group at the beginning of the "Health Management" does not agree with a number of leading companies that look for medical examination on the hospital like a good price for insurance, compared with a negative response. In this sense, the health insurance company to take "first step" in a very difficult and only do a good job in the whole process, "the details of implementation, accompanied by seizure lead guiding and tracking the results of timely communication with customers and health management" in order to Real customers realize the promise of "health management services," the value.
Value-added services to promote sales
Since last year, the entire health insurance business on the growth rate is far below the growth rate of life insurance. In terms of investment risk against the backdrop of selling insurance, health insurance company's performance steep pressures, they begin to look for traditional health insurance business outside the new path.
For the health insurance business to bring value-added projects in the health management services, a professional health insurance companies to find a breakthrough. Kunlun Health put forward the "non-disease" model of health protection, and Chinese medicine hospital in Guangdong Province, Zhejiang Province, Chinese medicine hospital and so many Chinese medicine hospital set up co-operation "did not rule Disease Center," built for the characteristics of Chinese medicine to preventive health care networks and health care services网络. PICC Health Network in the standardization of hospital construction, and the establishment of the community, small and medium-sized medical institutions in close co-operation model has been in the hospital section of the Shanghai Quyang, Kunming Panlong Qu riverbank community medical service centers had to try.
Kunlun Health chairman Lin Yao-min said that the conventional group medical insurance, due to a lack of internal risk management professionals and relevant experience, plus reimbursement of internal human problems often lead to loss of control costs and manage costs. The Health Management had taken that matter, after the entire management can be achieved to protect the health of the forward, and strengthen risk control to reduce the rate of pay, health insurance has changed the traditional business model.
Ruifu De-related health risks have also said that the management of health services "for sale", and will also enhance health insurance products in the market. "Health insurance and health management should not be separated from the customer's point of view, with a strong follow-up of health services management capabilities, easy to attract more new health insurance business."
There are more difficult to accept the market
Although the idea of health management and distribution platforms are preliminary forming, but also the key to market acceptance. The practice over the past two years, the management of the health-insurance has not really been related to businesses and individuals recognized by the health insurance company received very few administrative costs.
Experts have pointed out that although health insurance companies have started signing, but healthy, after all, still the main mode of management from abroad the idea that in order to really accepted by the market, there is still a process.
The first is the health of consumers do not have a strong sense of service. Domestic consumers of health care for more than attitude, "is sick", the data show that in Shanghai, in addition to arrangements for the reunification of the medical unit, adhere to an annual physical examination of the proportion of individuals 40%. The enterprises of the medical security system will be more "accountable" type, willing to track the health of pre-paid very little.
Second, health insurance companies and professional medical bodies is not very strong. A health insurance company responsible for the marketing people said frankly that presence and medical institutions have been squeezed out of the pressure, some companies will clearly require the designated hospitals to provide secondary or remote diagnosis and referral services such as health care, and the market can provide these services After all, big hospitals are limited, subject to the brand and the strength of the company at risk of losing their health insurance and hospital co-operation possible, so as not to win customers.
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