The mobile medical market is growing at an annual rate of 100%. More importantly, this represents a trend of shifting medical portals to mobile terminals. The relationship between insurance institutions and mobile healthcare is becoming more profound, and some insurance institutions are offline. Start investing in hospitals, and cooperate with third-party organizations online; others will build their own mobile medical apps from the Internet and plan to set up hospitals. Either way, it shows that in the field of mobile medical care, insurance companies are showing their abilities and rushing to the beach at full speed.
However, as far as the current situation is concerned, the mobile medical O2O led by insurance companies has not yet developed a mature model. The offline insurance companies that invest in hospitals rely on third-party resources online, and the only direct investment in online medical platforms is safe. Healthy family, and its offline clinic is still in preparation.
Offline investment first
Taikang Life Insurance invested 290 million yuan to build the first second-grade elderly specialist hospital officially completed. This is not the first time Taikang has taken the investment in medical institutions. On September 29 this year, Taikang Life Insurance and Nanjing Xianlin University City Management Committee signed a capital increase and share expansion agreement: Taikang Life Insurance plans to acquire 80% equity of Xianlin Gulou Hospital for 5 billion yuan, and will hold Nanjing Xianlin Gulou Hospital Investment Management Co., Ltd. . This shows that Taikang has become the first insurance company with the license of the first top three hospitals in China.
This is just a microcosm of insurance institutions investing in medical institutions. In fact, as early as June 2014, the China Insurance Regulatory Commission approved the equity of Sunshine Life Insurance Sunshine Ronghe Hospital Co., Ltd. and controlled it. The reporter saw that at present, the hospital is carrying out global recruitment of doctors in various departments. According to the person in charge of the recruitment of the hospital, the construction of the hospital's hardware facilities has been completed and preparations for the opening of the hospital are underway. It is expected to open in early 2016.
At the same time, Fosun Group has also made great strides in the investment field of medical institutions. In addition to the acquisition of high-end brand hospitals such as Hejia, the group also plans to directly invest 600 million yuan to build a hospital, adopting the method of mergers and acquisitions and self-built two-legged walking, and plans to use the insurance resources of Fosun Baodexin under the Fosun Group. The resources of medical institutions are open.
From the investment logic of the above-mentioned insurance institutions, they have adopted the mode of offline investment first, while the online mobile medical services mainly cooperate with third-party Internet companies. For example, Taikang Life Insurance and Micro Medical Group have jointly launched the Worry-Free Care Plan for Medical Doctors, and cooperated with Sugar Nurses and Handheld Sugar Medicine to launch the Sweet Life A Plan.
However, Ping An Health has taken another model in the mobile medical field – from online to offline. According to the relevant person in charge of the company, the number of registered users of the app “Ping An Good Doctor†has reached 23 million, and the average number of daily visits is 75,000-85,000. Peace and health will not stop here, and offline investment is already under planning. The company hired a team of 800 family doctors and currently provides online consultation through the APP. According to people who know the company's situation, its offline clinic has entered the site selection stage. After the completion of the clinic, doctors conduct online consultation at the front end. At the back end, offline medical treatment can be carried out, and follow-up services such as rehabilitation consultation can continue to be provided to form a real O2O Internet medical system.
According to industry analysts, whether it is from the offline or online, the ultimate goal of insurance companies to invest in medical institutions is to open up online and offline resources, forming a "pre-diagnosis consultation - seeking medicine for treatment - rehabilitation Consult with such a complete health service chain.
Getting access to medical and insurance resources is key
In the context of an aging population and rising medical expenditures, the big health and big medical market bring huge imagination, but insurance companies face the simultaneous rise in premiums and claims, how to promote healthy living while opening up markets. It is an important proposition to rationally control the payment of ideas, health consultation, etc., and through online and offline linkages, from mobile medical as a breakthrough, it is the ongoing exploration of many insurance companies.
The statistics of the China Insurance Regulatory Commission show that in the first 11 months of this year, the original premiums of health insurance business increased by 48.35% year-on-year, far higher than 10.84% ​​of property insurance and 21.17% of life insurance. At the same time, however, domestic medical expenses have risen rapidly in recent years, and the claims rate has increased year by year. The compensation amount from 2012 to 2014 was about 96 million yuan, 170 million yuan and 270 million yuan respectively, and the loss ratios were 63.2%, 69.1% and 72.1% respectively.
According to McKinsey's data, in 2014, China's mobile medical market totaled about 3 billion yuan, but they expect that the market size will reach 12.5 billion yuan by 2016. This is equivalent to a market growth of 105% per year in the past two years. At the same time, there are more than 2,000 mobile applications related to health care in China.
It is not difficult to see from these data that in recent years, health insurance premiums and claims ratios have grown rapidly, and the risk of insurance companies has increased. An industry insider believes that the development of health insurance needs to find key links to solve the problems of function, insurance, service and control fees, and opening up online and offline resources through O2O may be a direction worth exploring.
In fact, the exploration of cooperation between insurance companies and mobile medical platforms has started. According to the data of TalkingData, in the third quarter of this year, the top ten downloads of health and medical apps were Ping An Doctor, Baby Tree, Meiyu, Da Yu, Chun Yu, å’•å’š, Super Weight Loss, Le Power Running, Yuet Circle, Spring rain pedometer. The reporter learned that there are not a few insurance companies that cooperate with these APP platforms. For example, Zhongan Insurance has cooperated with Lepower and Xiaomi Sports to launch “Step by Step Protectionâ€. By combining with wearable devices and sports big data, the number of walking steps of users is linked to the premium insurance premium; Sino-British Life and Dr. Chun Yu Cooperation, launched WeChat health consulting services; Metropolitan Life and Le Dynamics launched a travel insurance campaign. In addition, Taibao Security signed a strategic cooperation agreement with Ali Health to explore a new model of Internet health insurance services. “These cooperations all reflect the idea of ​​combining insurance with sports data and medical data, and through the guidance and consultation methods, to manage the health of customers, reduce the risk rate, and reduce the payment through appropriate treatment.†An industry insider analysis.
However, it is foreseeable that as the industry develops, companies that have both resources will increase. The aforementioned industry insiders pointed out that opening up mobile medical and insurance resources requires related companies to have both Internet thinking and insurance thinking, which is not easy for traditional insurance companies, and emerging Internet insurance companies have great potential in this regard.
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