At present, as the public's concern for health increases, the demand for health insurance increases. At the same time, foreign insurance companies are more optimistic about China's enormous potential and are trying to enter the Chinese market through various channels. The fact is that earlier, Swiss Re and WellPoint of the United States established medical third-party management companies (TPAs) to enter the Chinese health insurance field.
In foreign countries, insurance companies and health management companies are basically one company, while domestic health management and insurance companies are two. Relatively mature foreign insurance + health management models, health insurance companies are the main driving force and pay for health management. Overseas insurance companies with health management services are entering the Chinese market. The impact on domestic health insurance is enormous. This, to a certain extent, forces domestic insurance companies and health management agencies to accelerate cooperation and build Chinese-style insurance. + Health management model.
In China, the health management industry starts at a short time, but with the public's awareness of health management and insurance, it is accelerating the development of Chinese-style health management. At present, there are some pioneers who have provided vivid case teaching with practical actions for the deep integration of "health management + insurance."
Then, as a practical case, the mobile health management platform “happiness and health†is how to achieve a win-win cooperation between domestic health management and insurance companies?
Wonderful Health and Happiness Life's "Happiness and Health" is designed to provide users with comprehensive health service solutions. Users can upload and manage corresponding health data such as exercise, sleep, weight, blood pressure, and blood glucose through the “Happiness and Health†platform, get personalized health risk assessment and health solutions, and also purchase from professional health service providers. Exclusive service.
Functional services include: healthy behavior management, gamified health interventions, chronic disease management, drug purchase based on illness, multiple smart hardware device data uploads, and analytical interventions. Â
How to achieve mobile health management with insurance companies?
Through the App, access to a variety of data, big data analysis, and according to the data given the corresponding personalized health solutions. This is based on the development of mobile Internet and smart wearable devices, and the combination of health insurance and health management has created new possibilities.
Take the example of "happiness and health" in cooperation with Miao Health and Happiness Life Insurance:
First, through the combination of a wonderful health platform and smart hardware, multi-channel data access is implemented to help users build health records. More importantly, we have established a cooperation model of “Smart Hardware + Health Management + Finance and Insurance†with Happy Life Insurance, which integrates health data, health management and medical insurance, and achieves effective interconnection of multiple parties in the same channel.
Second, the smart and intelligent back-end stores the data, analyzes, intervenes, and feedbacks to help thousands of users build health records and form a health science knowledge base, which lays the foundation for further analysis and excavation of healthy big data.
How to ensure a win-win cooperation mode?
The long-term development of a cooperation model for both parties will inevitably be a win-win situation for both parties. The United States will gradually transform the traditional health insurance model into managed medical care and even more foreign medical health insurance development paths. Only after a long period of time can he eventually form his own model.
Therefore, the deep integration model of health management companies and insurance companies based on China's national conditions must also satisfy the basic premise of a win-win situation.
In the cooperation model of Miao Health and Happiness Life, on the one hand, it strengthens the investment in chronic disease management and reduces the insurance company’s risk rate through prevention and treatment. In fact, although diabetes, oncology, and cardiovascular and cerebrovascular diseases are epidemics on a global scale, the common feature is that they have a long period of onset, and that early-stage health management and prevention are well-made, and interventions can be implemented through health management. It is the health management company that excels. For example, the healthy and well-behaved gambling health behavior management method uses games to motivate and guide users to change lifestyles and behaviors, thereby reducing the incidence of chronic diseases, greatly reducing insurance company’s medical expenses, and thus improving the core competitiveness of health insurance. .
On the other hand, the health management company acquires as much user and user data as possible to form a more comprehensive health information file, and at the same time provides users with value-added services and realizes the B2B2C business model.
Health management + insurance, the inevitable path of chronic disease management
At present, the society’s work and life festivals are getting faster, the ageing population is increasing, and the number of chronic diseases has increased due to the pollution of the ecological environment. The incidence of major diseases has increased. Correspondingly, health management has become a hot area of ​​Internet health care, especially in the explosive growth of smart wearable devices for medical use.
At the same time, consumption upgrades have also led to growing public demand for health management. Under “Internet Plus,†insurance companies also need to change their existing models to create new momentum for development. The preventable chronic disease management, this high-frequency entrance, is undoubtedly the best entry point with the health management company to establish a healthy ecological closed-loop.
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