Mobile medical money that has not found a suitable profit model has been burning money so far, trying to get insurance to pay for it. The industry believes that there are currently two ways to realize the realization: one is based on the personalized customization of SaaS services; the other is the TPA mode embedding, expanding the payers on the capital chain.
Mobile medical companies that have burned money so far have begun to seek insurance payments. Recently, at the press conference of the Internet Medical Conference and China Mobile Medical's first quarter market research report, insurance has become a hot topic for mobile medical care.
In 2016, mobile medical care, which has been unable to achieve stable profitability, has cooperated with insurance companies such as Ping An Doctor and Ping An Insurance, Chun Yu Doctor and PICC Insurance, seeking medical advice and Taikang Life Insurance.
An industry veteran pointed out that mobile medical graft insurance has several major pain points: such as the product cycle is difficult to design. Insurance products are a kind of protection rights design, the design cycle is long, the insurance company has a high probability of claims, and the cost of handling medical platform affairs is also high; while the design time is short, the patient's service rights are not guaranteed. The balance point is difficult to grasp.
In addition, the value of the mobile medical platform is more to provide high-quality patient care services, through the organization of hospitals, doctors to provide online consultation, online communication, private doctors and other services to reflect business value. Such a joint service mobile medical platform cannot be controlled, and it is not feasible to use insurance to restrict.
Thirdly, the main business of the mobile medical platform is still focused on online consultation and online communication of doctors and patients. The offline diagnosis, examination and post-diagnosis services have not been deeply involved.
Finally, the current leading role in China's medical sector is the “basic medical security systemâ€. Commercial insurance premiums and other policies have just been introduced. It takes time for the policy to function, and it takes time for commercial insurance to be widely accepted.
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