Mobile health insurance is on the rise, can retail pharmacies get it right?

In recent years, under the rapid development of mobile Internet, mobile payment has gradually extended to the field of medicine, mobile health insurance payment system gradually emerged.
After WeChat began charging users a withdrawal fee on March 1 this year, Alipay has also announced that it will join the charging camp: from October 12, 2016, Alipay will charge a 0.1% service fee for withdrawals from individual users who exceed the free limit, and individual users will each enjoy a base free withdrawal limit of 20,000 yuan.
even caused a market exclaim that the internet age of free is coming to an end.Fee withdrawal is intended to be closed-loop
WeChat and Alipay have put forward the reasons given by Alipay is almost the same: the cost of integrated operations rose faster, adjust the withdrawal rules to reduce some of the cost pressure. According to industry disclosures, every transaction paid from a bank card based on a third-party platform is subject to a handling fee of about one-thousandth of the amount transferred to the bank, which was previously borne by the third-party platform.
at first glance, with the deep penetration of mobile payments in recent years, the number of payment users and transaction volume gradually increased, the cost pressure increased, the platform side to consider the transfer pressure is not insoprehensible. According to the Quarterly Monitoring Report of China's Third Party Payment Mobile Payment Market, released by a third-party industry research firm, the withdrawal fees relate to both parties - Alipay and Caipai - with market share of 63.41% and 23.03%, respectively, accounting for nearly 90% of the market share of mobile payments.
, however, a closer look at the withdrawal fees announced by WeChat and Alipay reveals that its ultimate core does not point to a literal one-thousandth fee. Take Alipay as an example, both can use ant points to exchange for more free quota, but also clear balance treasure transferred out to my bank card to continue to be free, and then spread on the Internet, all are not encouraging users to build the ecological system in Ali consumption.
industry also pointed out that although retail pharmacies also serve as one of the consumer ports, but because the current use of mobile payments in brick-and-mortar pharmacies consumption of a small percentage, so the impact is limited. "Consumers in retail pharmacies are now more likely to choose cash or health insurance cards and bank cards." According to the above-mentioned analysis, the consumer groups of retail pharmacies are mainly middle-aged and elderly, and the preference of consumption habits towards conservatism is the main factor. In addition, there are reasons to enjoy the policy benefits of health insurance cards and the introduction of many years of bank card (credit card) use habits continued.
, mobile payments are still a cause for anticipation for retail pharmacies. Li Long, head of WeChat Smart Pharmacy and product director of WeChat Payment Pharmaceutical Industry, has described the future drug purchase scenario this way: When consumers feel unwell, they can first use a simple mobile phone inquiry (such as the pharmacy public number) or consult a pharmacist to determine their own situation, choose to go to the store to buy medicine or directly online orders, waiting for distribution at home. In Li Long's view, allowing pharmacies to connect with users via WeChat provides users with a transformation from individual to home, from illness to health management.
, of course, the specific mobile platform can bring much improvement to pharmacy sales, it is determined by the pharmacy's own service capacity.Mobile medical insurance is raging
At present, China's urban workers' medical insurance still adopts the "unified account combination" model, that is, the medical insurance co-ordination account and the individual medical insurance account, in which the individual medical insurance account funds may not be diverted for other purposes, not to withdraw cash. This makes health insurance cards an important means of payment for many retail pharmacies.
in recent years, under the rapid development of mobile Internet, mobile payment has gradually extended to the field of medicine, mobile health insurance payment system gradually emerged. In late August, Zhejiang Haining People's Big Pharmacy Co., Ltd. took the lead in china to officially open a mobile health insurance payment system. It is understood that Haining people's big pharmacy-supported mobile health insurance payment system is the original online pharmacy can be purchased online on the basis of medical insurance payment, simplify the operation process, through the toll-free service hotline to achieve orders and provide delivery service. Upon receipt of the drug confirmation, the consumer completes the settlement of the health insurance portion on the delivery man's mobile health insurance payment machine.
said the above approach is a "curve to save the country", then Kunming's attempt is a more direct mobile payment retail chain drugstore pilot. It is reported that at present, Kunming Human Resources and Social Security Bureau intends to access the "Kunming People's Social Communication" APP, Kunming retail chain drugstores to carry out mobile payment pilot, at the end of August the relevant departments have convened a number of retail pharmacies in Kunming information and technical personnel to discuss. Kunming tried to increase the entrance of social security services, can attract insured personnel into pharmacies, to promote the development of pharmacies; The reform and innovation of information technology can greatly reduce the cost of enterprises, improve the efficiency of cash registers, strictly control the risk of non-compliance and so on.
industry pointed out that if you have a good policy of health insurance into the mobile payment market, retail pharmacies in the mobile payment market pattern may change. (Medical Economics)