Medical network - on November 30, 2016 on November 8, people club department issued "about print and distribute" Internet + one club "2020 notice of action plan (hereinafter referred to as" action plan "), specific social security card will be paid to load function, support various payment application and treatment to enjoy, at the same time with commercial Banks, third-party payment platform, such as cooperation, build a unified, open insurance settlement data exchange interface, on the premise of safe and controllable, support agencies in buy medicines and other online applications. In the bad news, 2016, giving medicine electricity appeared to bring the new development opportunity.
Pay treasure and WeChat
Mentioned "action plan, we will speed up the establishment of a social security card loading financial function, human resources and social security payment and settlement platform, with the extensive cooperation channels of commercial Banks, and the third party payment platform to pay, to expand social security card online payment mode", the third-party payment platform, mainly in the Chinese market is to pay treasure and WeChat.
Before the actual people club department issued a plan of action, has been undertaken with two third-party payment giants pilot cooperation, in April 2016, shenzhen people clubs and WeChat signed a cooperation agreement, six hospitals in shenzhen pilot WeChat online real-time settlement through medicare, next month, shenzhen clubs is to pay treasure to signed a cooperation agreement, also in shenzhen 6 hospitals pilot pay treasure health online real-time settlement. October WeChat soon and cooperate with zhejiang province taizhou people club opened health care online real-time settlement, November alipay and anhui wuhu health club cooperation opened online real-time settlement. Tandem, WeChat with alipay giants started the cooperation, and cooperation each other is human resources and social security bureau. Visible people club the long-simmering, and through the pilot to know the field around the sex that hair, although not seen publicly reported, we suspect people club should be similar to commercial Banks for pilot.
For alipay and WeChat, this step is also as early as planned, in 2014, the two giants were released his future hospital (alipay) and wisdom (WeChat) planning, the planning of the first step is to hospital of various processes, do online booking, registration, payment and take the report to save the patient's waiting time, improve the efficiency of medical treatment, and the second step is to medical insurance, business insurance to serve patients in a larger scope. And human social cooperation with the giants of the second part is fit, slightly are to be highlighted in the first step of the two giants in the hospital alipay WeChat premium and the second step to medical care, have the difference, at present most of the wisdom of hospital service hospital has opened the future hospital WeChat through paying treasure to pay all the costs are made by consumers, while the second step through medical insurance, business insurance is to point to by alipay WeChat health-care real-time online settlement, specifically refers to the need to pay the medical expenses of automatic calculation and deduct part of unified payment of social security, people only need to pay the rest in the alipay.
And one more thing to note is one club for positioning and the third party payment platform alipay WeChat future hospital and the wisdom of the hospital, there is essential difference between alipay WeChat current social security through is based on the relevant hospital built into its mobile App module, that is to say, if the patient in electric business platform to buy medicine or in other apps such as a good doctor, micro medical registration or buy medicine is unable to enjoy medical insurance to pay treasure to WeChat settlement ability of real time online. And as government departments, social need is safe and effective and open social security payment channels, for one club, a more reasonable scenario is online for patients with medical consumption, no matter where I buy medicine, when finally choose to pay fees, club designated payment channels such as alipay, WeChat, commercial bank card automatically for medicare online real-time settlement, allow consumers to only pay the part of individual need to pay.
Already flowering online payment
Around it should be said that in the earlier began a medicare online payment attempts to record the first is to try the big tasly health platform to start at the beginning of 2014 in tianjin tasly company pilot diabetes health online networking settlement, tianjin local people with diabetes can directly through the social security number and password to sign register tasly big health platform, online booking for the diabetes drug, health care reimbursement online sales and service of delivery to your door. The service has been a good run, more tianjin tasly company focused on diabetes built into the platform of management.
In addition, in April 2015, zhejiang haining people pharmacy B2C e-commerce sites also opens the function of health care payment, patient online purchasing medicine will prompt drugs whether health care drugs, if haining medicare drug citizen choose cash on delivery mode can be paid. Into large fangyuan pay for health care is also a similar pattern, shenyang citizen can directly into big fangyuan B2C website choose cod for payment after placing orders. Compared with the opening of the guangzhou in August 2015, jianmin B2C website online payment is more convenient, guangzhou residents in guangzhou jianmin website after purchase medical insurance drugs can enter medicare card number and password when payment deduct payment directly from the payment after verification.
Tianjin, haining, shenyang, guangzhou in a different way to open the respective city health online payment, pay treasure and WeChat is from the perspective of Internet companies that cut into the health care market, and this an isolated point finally to people today social action plan to release fully open health online payment signals, concrete action, of course, also need to followed from the hospital technology through technology, each city docking, inside a lot of people and things need to communicate, looking forward to the 2020 medicare online payment to a wide range of fall to the ground, and we go to a doctor.
Health care and medical electrical contractor
If really care to achieve the online payment, that would be medicine electricity mouth of the wind? Think positive, but the wind mouth may not necessarily. We can from the few perspective:
1. Medical electrical business on sales of products mainly are prescription drugs, over-the-counter drugs low degree of dependence on medicare payments, even countries several times to discuss non-prescription drugs to draw in the medical insurance payment, if you don't let go of the prescription drug sales, health online payment for medicine, I'm afraid the actual benefits of limited electricity providers;
2. The health degree of online payment release will have how old? Every place according to the offline pharmacy, pipe tightness is differ, medicare card personal account fund in many commodities such as medicine pharmacy can buy medicines makeup even daily necessities such as shampoo, washing powder, if also can buy online, that will be out of market, to know that by 2015 medical insurance personal accounts to precipitate the RMB 442.9 billion cash!!
3. What kind of online pharmacies will be able to use medicare online payment? Today, in the offline application health qualifications have liberalised drugstore that decide a dot, in December 2015, the club have canceled the retail drugstore medical insurance fixed-point qualification examination system, online pharmacies will also let go of one club face?
Anyway, one club's action plan for the whole medical electric dealer market is strong heart medicine, we will see in subsequent can gradually policy impact on the market. |
