Mobile medical winter is not in place: Alipay will become the real break for medical payment!
The new version of Alipay's online, the biggest change is the weight of the word of mouth network. Word of mouth network to eat and drink in one consumer matrix, allowing Alipay to fully penetrate most of the user's life scene. Taobao and Tmall let Alipay grasp the user's consumption habits to a certain extent, but the ambition of Ant Financial is not limited to this. Integrating the user's living habits on the basis of mastering the consumption habits is the winning king. According to the idea of ​​Ant Financial, all the consumption scenarios of future users will be recorded in Alipay's big data, and the user's data information will become the inevitable "moat" of Alipay.
At present, there are still some scenes that are difficult to cut into, and medical treatment is one of the "hard bones". In the medical field, Alipay seems to have been in a state of stagnation, and there is no obvious movement. Even after so many versions of the iterative update, Alipay has only opened the functions of registered consultation, doctor consultation and vaccination in the city service section under the secondary page. In the face of the trillion-dollar market of medical care, it is inevitable that people feel that they are too small, but is it true? This is about to start from Ali Health.
1. Ali Health and Ali Nail
Ali Health, born as a homologue, has always played the role of the Ali Group's medical pathfinder, but it has always been high-profile, but often hit the wall. First, through the drug electronic supervision network in the medical circle, the final "water entry posture" is not very beautiful, was strongly resisted by the retail pharmacies, but ultimately defeated. After winning the exclusive operation rights of the Tmall Medical Museum, who knows that CFDA has recently stopped the online retail pilot of Internet third-party platform drugs, Tmall Medical Museum has been "refrigerated". In desperation, only 65 chain drugstore companies were established to establish the "China Medicine O2O Pioneer Alliance", and then spent 16.8 million yuan to acquire Guangzhou Five Millennium Pharmaceutical Chain Co., Ltd. Quite a bit of knowing that there are tigers in the mountains, and it is biased towards the posture of Hushan.
The star of the future, Ali, has been mixed up in the SAAS circle of enterprises, and has recently begun to rush into the medical field. In July of this year, Ali nailed the entry into the mobile medical industry and signed the first community medical cooperation vertical project with the Guangzhou Yuexiu District Government. Extending the CRM business to basic medical care is not a flash of Ari Ding Ding, but rather the development of telemedicine and grading medical systems through the cross-spatial attributes of SAAS.
Although Ali Health and Ali are smug, I hope that with the Internet blood flowing through the bones, the use of openness and inclusiveness will quickly open up the situation in medicine and basic medical care. But the resources are not equal, it is difficult for hospitals and pharmaceutical companies to really bring you into the game. Just as the young people have encountered the "cold violence in the workplace", you will be excited. The old rivers and lakes in the traditional medical industry are still in a cold attitude. They refuse to be thousands of miles away and call you fists on cotton, so that they are not strong.
For Ali, the exclusivity of the old links does not mean that the new entrants have no chance to intervene at all. The biggest variable is not the pharmaceutical company, nor the medical institution, but the payment. In the medical industry, apart from the two main subjects of controlling the treatment and the medical sector, only the form of the payment link is uncertain.
2. Commercial health insurance and medical payment
The state implements medical insurance control fees, which gives commercial insurance a great opportunity to intervene in medical payment. Under the guidance of the general environment, some provinces are planning to transfer the contents of the basic medical insurance, audit, claims and other matters to commercial insurance companies to operate and manage. This year, more than 50 professional health insurance licenses are awaiting approval from the China Insurance Regulatory Commission. At present, there are three health insurance companies that have been approved, namely, Fosun United Health Insurance, Tencent's subsidiary, and the life insurance led by Hetai Life Insurance and Beijing Insurance Industrial Park.
The biggest problem with commercial health insurance entering the hospital payment link is the asymmetry of information. Under the condition of information asymmetry, it is inevitable that there will be problems of “reverse selection†and “moral hazardâ€, which will increase the insurance risk of insurance companies. China's insurance companies usually adopt the form of “designated hospitals†to promote commercial health insurance. The drawback of this form is that it is difficult for insurance companies and hospitals to achieve benefit sharing and risk sharing mechanisms. The hospital wants the insured to use more expensive treatments, while the insurance company wants the insured's treatment to be as simple as possible.
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