Alibaba, Tencent and Ping'an battle medical insurance mobile payment

Source: on June 3, 2016, Southern Metropolis Daily announced that Alibaba had "robbed" Tencent and Ping'an in terms of the actual landing of medical insurance mobile payment A few days ago, Ali's ant suit was officially announced at the third people's Hospital of Shenzhen Its mobile payment of Alipay medical insurance first broke the ice in China and landed in Shenzhen Alipay pioneered the promotion of medical insurance mobile payment projects jointly launched by Alipay and the Shenzhen Municipal Bureau of human resources and social security (hereinafter referred to as "Shenzhen people's Bureau") in Shenzhen in May 31st It officially took the lead in pilot operation in 6 public hospitals in Shenzhen Based on the cooperative medical insurance network payment standard, the two sides established the first Shenzhen scale access hospital and the replicable scheme, which laid the Internet plus social security business in Shenzhen Through the core competencies of real name, risk control and payment, the security channel of medical insurance Internet payment was constructed Wang Bo, general manager of the ant gold clothing medical industry, said that the two sides have the following main features of cooperative output: the first is to use Alipay's real name user system to provide basic capabilities and facilities for the card link Users can bind the card online, confirm and verify the identity through the real name information of Alipay, ensure the authenticity and accuracy of the information and complete the experience online The two is to use Alipay's wind control system to escort the payment link According to the risk level of the payment link, Alipay wind control system starts the way of wind control, such as password verification, question answering, fingerprint identification, face recognition and so on, to ensure that the payment link is safe and reliable The three is to use Alipay's hybrid payment capability to provide users with the best payment experience When a doctor is in the hospital, the patient can check the payment amount of medical insurance and the amount of his own expenses on the basis of Alipay's prescription, enter a password to complete the payment in full, do not need to download any other A PP; four, make use of Alipay's guarantee ability If the user is stolen by Alipay or the real name authentication information of Alipay is wrong, the user or the medical insurance bureau will suffer losses Alipay will pay the full amount "Sanma" secretly competes According to the reporter from Nandu, at present, the ant financial service of Alibaba is not the only one talking about the medical insurance mobile payment with Shenzhen human resources and Social Security Bureau On April 22 this year, Shenzhen medical insurance online payment announced that Ping An Group and Tencent wechat would take the lead in the pilot Ping An group promoted the cooperation with Shenzhen human resources and Social Security Bureau this time with Ping An's mobile payment brands ping an one wallet and ping an endowment insurance The news indicates that both parties have completed the signing process The first batch of pilot hospitals participating in the online real-time settlement of Ping An social security wallet medical insurance will be the famous third class hospital including Shenzhen People's hospital Tencent's approach is to use wechat real name user authentication system and payment ability, let medical insurance users bind social security card through wechat, and complete online payment of medical insurance and self paid amount in the hospital and other scenes designated by the Bureau of human resources and social security, which can achieve mobile medical treatment of patients to a certain extent, and vigorously alleviate the old problem of "three long and one short" in the hospital As for which hospitals wechat payment will cooperate with to implement the implementation, Tencent's relevant staff responded to the reporter from Nandu that the first batch of pilot hospitals have a total of 10, which will also be online medical insurance payment in the near future At that time, users can get through the whole process of medical insurance through wechat payment It is understood that since more than 70% of the patients in most hospitals are insured patients, each hospital has carried out mobile medical cooperation in full swing in the past two years, but they can only cover patients at their own expense, and the medical insurance population can not enjoy the convenience brought by mobile payment It is in this context that Shenzhen human resources and Social Security Bureau began to contact with the above-mentioned mobile payment agencies According to the ant's golden suit, after the Shenzhen city's insurance personnel have been tied up with the financial social security card through Alipay, they can complete the outpatient registration and payment of the medical insurance through mobile phone, avoid long time queuing, and greatly enhance the efficiency and experience of the medical treatment, which will directly benefit the 12 million insured population in Shenzhen However, an accountant of Shenzhen Third People's hospital was a little cautious in an interview with reporters, saying that although the pilot situation of the invitation system in the early stage shows good results, it is not good to judge the final results due to the lack of large-scale implementation What's a big discount for? Why do Alibaba, Tencent and Ping'an "Sanma" try so hard to subsidize money and go to the field of medical insurance mobile payment? In this regard, some analysts believe that the success or failure of medical insurance mobile payment is related to whether the medical service ecosystem can be activated At present, under the expectation of accelerated aging of the society, whether Alibaba, Tencent or Ping An are accelerating the layout of this life cycle For Ping An Group, it is generally believed that the scheme of Ping An social security wallet launched by one wallet can be regarded as one of the important strategies for Ping An 3.0 to focus on Internet health care and establish intelligent health care management and service system In addition, according to some analysis, Ping An payment plug-in business has been fully applied to Ping An Group's insurance, securities, P2P and other financial industries, as well as serving merchants in external core industries The opening of medical insurance mobile payment is also conducive to the overall development of Ping An payment plug-in business In Tencent, with the continuous promotion of wechat intelligent medical solutions, so far, 1200 hospitals across the country have realized the whole process of medical treatment, covering 33 out of 34 provincial administrative regions And Tencent through the WeChat system to achieve the medical insurance card payment function, intended to promote the wisdom of health care through the "smart medical insurance" to accelerate the landing, the ant Kim suit Alipay in the 6 hospitals in Shenzhen landing mobile payment, but also in the form of subsidies to promote its "future hospital plan" In Wang Bo's view, the breakthrough in the mobile payment of medical insurance also marks the second stage of Alipay's future hospital Next, we will use the various kinds of capabilities of ant, gold and clothing to create a convenient medical ecosystem and activate the mobile medical industry chain According to its disclosure, on this basis, the ultimate goal of Alipay future hospital is to establish a health management platform for big data.