Electronic health insurance clearance manual: 40 million new users added during the outbreak, but the fire is also embarrassing behind the fire

Medical insurance electronic vouchers are not tailor-made for the "new crown" epidemic, but because of the "new crown" outbreak completely fireOn November 24, 2019, the national medical insurance electronic voucher was launched, and the first batch of pilot areas were only in Hebei, Jilin, Heilongjiang, Shanghai, Fujian, Shandong and GuangdongIn addition to the National Health Insurance APP, Alipay, WeChat and other third-party channels are also involved in the layout, the two Internet giants into the market, so that the industry behind its pharmaceutical strategy layout is quite concernedAfter the initial launch, the number of health insurance e-voucher activations grew steadilyAccording to official data from the National Health Insurance Administration, as of February 14, 2020, the cumulative activation data for the nearly three months of e-health insurance voucher promotion has just exceeded 10 millionBut over the next month or so, the number of e-health insurance voucheractivations soared several times as a result of the new crown outbreakOn February 25, 2020, the State Administration of Health Insurance issued a circular to extend the application of medical insurance e-vouchers from seven pilot provinces and cities to the whole countryOn February 28, 2020, the State Health Insurance Administration, in conjunction with the National Health and Health Administration, issued the Guidance on Promoting the Development of "Internet Plus" Health Care Services during the Prevention and Control of the New Crown Pneumonia Epidemic, agreeing to include eligible "Internet plus" medical care costs in the scope of medical insurance paymentThe two documents are designed to make online replacement shipping a new way to reduce the risk of a "new crown" outbreak, helped by a surge in activationsAs of March 26, 2020, the cumulative activation of e-health certificates has reached 52,060,200, more than four times more than a month ago, according to official data from the National Health Insurance AdministrationThe rapid accumulation of health insurance electronic voucher activation data highlights the value of the Internet medicine strategy behind itPayment has always been a key goal to restrict the development of Internet medicine, whether it is Internet hospitals or pharmaceutical e-commerce, because the inability to achieve online payment of health insurance and development is limitedThe advent of health insurance e-vouchers and the emergency launch during the outbreak of the "Internet plus" health care policy seems to give new hope to the realization of online paymentsBut it's worth noting that the Health Insurance E-voucher isn't the first online health-care payment tool to be introduced, and its use scenes and scope are limited after it has been hastily landedAt the same time, the Internet medicine New Deal is also being introduced to seize the online health insurance payments during the outbreak, and these dividends are likely to be quickly recovered after the outbreakHealth insurance e-voucherushers usher in a special window of opportunity, but they need to be tested by customs clearanceThe health insurance e-voucher is not the first online health insurance payment tool, previously led by the Department of Human Services e-Social Security card has a health insurance payment functionBut the advent of the health insurance e-voucher means that the online health insurance strategy, built on an electronic social security card, is "a thing of the past" and the rules are being rewrittenOn April 22, 2018, the country's first electronic social security card was issuedBy the end of October 2019, nearly 90 million e-social security cards had been issued nationwidePrior to the establishment of the National Health Insurance Administration in 2018, the Ministry of Human And Social Affairs assumed the responsibility of health insurance supervision, and as a result, the work related to online health insurance was previously mainly carried out by the Ministry of Human Resources and Social WelfareOn June 15, 2019, the Ministry of Human And Social Security announced the first round of electronic social security cards in 31 provinces and municipalities to open channels for applicationClaim channels in addition to the official app of the people's association, mostly for the bank APP, the only possible follow-up to the medical business access is Ali's Alipay and Tencent's WeChatIn the strategic competition of electronic social security card, Ali obviously occupies the advantage, 363 pilot cities, Alipay opened the claim channel of the city reached 260, while Tencent is obviously disadvantaged, WeChat opened the claim channel of only 54 citiesBut after the introduction of the health insurance electronic voucher, Ali and Tencent's online health insurance strategy may be re-engineeredOn November 24, 2019, the e-voucher for health insurance was first piloted in seven provinces and districtsAfter that, under the pressure of the "new crown" outbreak, the pilot area of health insurance electronic voucher activation was extended to the whole countryAfter the pilot began, WeChat launched a fierce "push" offensive in an attempt to win back a new round of competitionOn January 11, 2020, Tencent, in conjunction with the Guangdong Provincial Medical Security Bureau and Digital Guangdong Network Construction Co., Ltd., held a ceremony for the launch of the medical insurance electronic voucher, while the medical insurance electronic voucher in 8 pilot cities in Guangdong Province 6,500 fixed-point pharmacies, 1623 fixed-point medical institutions to achieve the sweep code and clinic payment functionAfter that, WeChat is through the drugstore cash coupons and other promotion methods, the cumulative number of active usersAlipay in this round of health insurance electronic vouchercompetition, more first-mover advantagePreviously, in the first round of competition for electronic social security cards, Alipay in 260 cities have opened claims channels, in the "push" process has accumulated local cooperation experienceIn a new round of competition, who can accumulate more activation users than WeChat can gain the upper hand? There is no doubt that it is worth looking forward to The surge in the number of activations is attractive, but the real value of the health insurance electronic voucher lies in the ability to take this voucher, the real realization of the purchase of medical insurance on the whole line of payment, which is essential to the development of pharmaceutical e-commerce, Internet hospitals, but also Ali and Tencent layout of health insurance electronic vouchers key Medical insurance electronic vouchers originally only in a small range of pilot use, and then because the "new crown" outbreak hastened to allow the activation of the national line, in the actual use and experience of a lot of gaps, from really become the online medical flow window is still quite a distance Whether from Alipay or WeChat entrance into the "Health Insurance Electronic Voucher", a considerable number of activated users click into the two-dimensional code display "service is under construction", and can not be swept code use When you click "Supported Hospitals/Pharmacyes", "Medical facilities in your city that are currently unusable to use." In the "health insurance electronic voucher" really completed to use the province, its function also has considerable limitations It is understood that with the help of medical insurance electronic vouchers really opened the online medical insurance settlement, online medical prescription "brush" medical insurance only Fujian Provincial Organ Hospital Internet Hospital, Fujian Medical University Meng Chao hepatobiliary Hospital Internet Hospital, Guangzhou Medical University affiliated second people's hospital, Guangdong Provincial People's Hospital and a few other hospitals At the same time, the local level has also introduced policies, with the electronic health insurance vouchers to divert the "new crown" outbreak brought about by the online health insurance dividends On February 18, 2020, the Beijing Municipal Health Insurance Bureau issued the price and medical insurance payment policy of the city's Internet re-admission program, and there is no electronic medical insurance voucher to play a role in the relevant medical insurance reimbursement process As of April 30, 2020, the Shanghai medical insurance department has included the "Internet plus" medical service in the medical insurance payment, and there are already eight Internet hospitals in Shanghai to open the online settlement of medical insurance, reimbursement items are mainly for re-diagnosis and dispensing drugs, also do not need to pass the medical insurance electronic voucher verification At the initial ceremony of the electronic medical insurance voucher, the relevant person in charge of the State Medical Insurance Administration stressed in particular that the medical insurance electronic voucher is the only identity certificate of the national medical insurance online business This statement also led the industry to speculate that the health insurance e-voucher may become the future of health insurance online settlement "license." However, during the epidemic, the medical insurance electronic voucher has not become the only option to open the online settlement of medical insurance, at the same time by the medical insurance electronic voucher to open the medical insurance online settlement of the number of hospitals is very limited, Beijing, Shanghai and other places have bypassed the voucher online medical insurance online settlement business The surge in the number of people activated by health insurance e-vouchers during the "new crown" outbreak "looks beautiful", but it's still a long way from actually becoming the entry point for Internet health insurance payments.