Internet giants are laying out how powerful medicaid medical aid can do in a multi-level health care system.

TextIn the Opinions on Deepening the Reform of the Medical Security System, the term "Medical Mutual Assistance" appeared twiceIn the reform and development goal, clearly "by 2030, the comprehensive construction of basic medical insurance as the main body, medical assistance as the bottom, supplementary medical insurance, commercial health insurance, charitable donations, mutual medical assistance and common development of the medical security system, medical mutual assistance ranked lastIn the task of "promoting the development of multi-level medical security system", he mentioned "encouraging social charitable donations, mobilizing the strength of charitable medical assistance, and supporting the orderly development of mutual medical assistance"Nowadays, mutual medical assistance, especially Internet medical assistance, is on the fast track of developmentmore and more Internet factories, are engaged in mutual assistance programs, such as Sina, 360, Baidu, drip ..But the biggest wave, is currently Alipay set up mutual treasure, as well as the United States group set up mutual assistanceIn just one year, 32 million people joined the latter and were recently upgraded to the first "unlimited disease" major disease mutual assistance schemeInsured: 30 days - 39 years old, can joinYou can exit at any time and automatically exit at the age of 60Treatment: the agreed 102 kinds of serious illness, after diagnosis, a one-time payment of 150,000If the cost of health care is 240,000, an additional 150,000 will be givenEven if it is not agreed 102 serious illness, other diseases or accidents, you can pay compensationthis paper, we analyze some problems and ideas related to the establishment and improvement of multi-level medical insurance system based on the existing form and function of internet medical mutual assistance planTo compare medical mutual assistance to a sparrow, though small, is not to be underestimatedtake the U.Smutual aid as an example, because its mutual aid payment standard is directly related to the basic medical insurance reimbursement amount, you can see intuitively: this design greatly with the basic medical insurance control capacity, but also bear the risk of basic health insurance fraud insurance In addition, any medical assistance scheme itself may also be fraudulent insurance Therefore, it is suggested that: First, in the early development of medical mutual assistance on serious license management, strict mutual assistance plan within self-examination and supervision of whistle-blowing; is understood that the contribution of mutual treasure in the last two months, each person per month about seven or eight yuan, a total of about 100 yuan for the whole year In its first year alone, the U.S Group has attracted 32 million people From the annual payment level, with the residents of basic health insurance in a magnitude, from the number of participants, another period of development may be with the basic health insurance of workers in a magnitude Combined with the concerns about the risk of fraudulent insurance, we anticipate a trend effect: that is, through the voluntary participation of the public in the medical mutual assistance scheme, will awaken the whole society's awareness of the rights of all health protection systems (including, of course, the basic health insurance system) This gives basic health insurance in-depth, normal fight against fraud insurance enhanced endorsement observed the main products of the medical mutual assistance plan, such as mutual treasure, american group mutual assistance, the level of treatment of participants after the age of 40 is capped at 100,000 yuan, and do not allow multiple overlay purchases Medicaid plans offer the same fees and different treatments for different ages, which is the opposite of basic health insurance practices At present, the Mutual Medical Assistance Scheme has just gained momentum and participants can still enhance their protection by participating in a number of mutual medical assistance schemes But from the medical mutual aid plan of the industry, enterprise development law, finally after the merger and integration of only a few in the number of participants in the characteristics of the oligarchs, its security, maturity is more to be tested China's commercial insurance market is still in the period of penetration of insured persons from life insurance, serious illness insurance to medical insurance, commercial insurance companies on the one hand add code to do Internet insurance products, on the other hand, attach importance to the convergence with the basic medical insurance system Internet medical mutual assistance plan from half-way to kill will come out, both in the product design flexibility and basic medical insurance directly through (medical mutual aid product design determination, is the traditional commercial insurance products can not be compared), but also back to the Internet factory (the accumulated cross-border advantages need not be repeated), commercial insurance companies will inevitably feel panicked, depressed some evaluators pointed out that the Internet medical mutual aid scheme is not a few shortcomings: First, there are many medical mutual aid schemes on the market, a bit of a flood Second, how long the medical mutual aid plan can live, all look at the platform financial resources and flow P2P is thunderous, some Internet medical mutual aid plan is far away? Accordingly, we recommend that the cash flow of medical mutual assistance schemes, in addition to platform management fees and mutual funds, should be established security funds, or actuarial balance pools With this layer of design, it is very much like the basic medical insurance system, medical mutual aid plan will also have a bottom gas with the commercial insurance company called board Of course, the main significance is to enhance the sustainability of mutual aid schemes; , for example, the U.S Group Mutual, attracted 32 million people in just one year, which is higher than the performance that many Internet insurance products have been trying to achieve in years The Internet Medical Mutual Assistance Program itself acts as a "master risk", attracting a significant proportion of all potential suitable participants, and the fragmentation of Internet insurance products becomes a hassle With tens of millions or even hundreds of millions of participants, Internet medical mutual aid products together with the flow and heat, and then to promote based on demand statistical analysis after the design of The Internet insurance products, will be very direct The management fee profit created by the medical mutual aid scheme itself is very small, but the intangible value of this matter has unlimited connotation first, around the medical mutual aid plan anti-risk poor question, we ask: once a medical mutual aid plan collapses, save, who will save? We usually habitually think: commercial insurance companies big and not down, down will also be saved If an Internet medical mutual aid scheme collapses, there are no two types of benefit victims: one is to choose medical assistance through cost-effective ness instead of commercial insurance, ordinary income level participants, the current loss amount is not much; We think: at least for the latter kind of situation to do the endorsement of rights and interests rescue, which highlights the conscience of the community secondly, on the question of whether the medical mutual aid scheme is profitable or not, we think that this question should be seen dialectically First, mutual aid schemes charge a large amount of platform management fees, of course, for profit; Therefore, to establish a multi-level medical insurance system, adhere to the non-profit of medical and health care, the healthy and orderly development of the medical mutual aid plan can play the advantages of accurate principles As an example, the level of basic medical insurance payment for residents is rising reasonably year by year, is the payment of medical assistance scheme an extension supplement? third, the role of mutual medical assistance programs in promoting social charitable donations and alleviating the problem of aging First of all, mutual treasure, mutual assistance and other mutual aid programs and water drop chips, love chips and other products between the channel between the link Well, because the level of mutual assistance scheme protection is limited (especially after the age of 40) the Internet medical mutual aid scheme must be based on the medical mutual aid plan to add charitable donation module considerations;