Enterprises Cautiously Optimistic About The New Deal Of Medical Insurance, Hoping For More Detailed Rules To Fall.

In the public view, it seems that "Internet health care", which has been "quiet" for a period of time, is revived again during the new crown pneumonia epidemic.

According to incomplete statistics of public information, as of February 2020, more than 10 Internet Medical platforms launched an online inquiry column in the whole country, and more than 200 public hospitals were carrying out new crown pneumonia free Internet treatment or online consultation.

At the same time, from February to March, from the central government to the local government, the Internet health policy was encouraged and supervised. The internet medical service that had been discussed for a long time was loosened into medical insurance payment. This is good for the development of the Internet healthcare industry that has been developing for ten years and still at the edge of losses. But for the medical institutions, internet medical enterprises, retail pharmacies and so on, there are different levels and tempo in how to benefit from the dividend policy. 。

Epidemic situation boosts Internet healthcare to the front

The frequent occurrence of favorable policies is closely related to the performance of "Internet + medical care" during the epidemic.

"During the epidemic, there was a great demand for internet medical services. Some of the key operational indicators of Internet inquiring head enterprises and pharmaceutical providers include visits, new registered users, activity, inquiring visits, inquiring volumes, drug sales and so on. In the case of limited medical services provided by public hospitals, Internet health care has played a more positive and positive role, and has been highly recognized by relevant state departments. Ai Kunwei, director of consumer health consulting at IQVIA (Ai Kunwei), said in an interview with the twenty-first Century economic report.

In the short term, a large number of online diagnosis and treatment and drug purchase are changing the acquisition mode of consumers and patients' demand for medical services to a certain extent. In the long run, Internet health care has been developing for many years, and the policy has been speeding up the development of the industry for three years. In the future, in the reform of the medical supply side, Internet healthcare will further change all aspects of the medical service system, the whole industrial chain and the value chain, so as to improve the operation and production efficiency of the whole system.

The core of the Internet is to get the cash flow and traffic flow. Different industries are spending barriers to build up traffic barriers. The flow of medical industry is doctor resources, patient resources and so on. To some extent, the epidemic has boosted traffic acquisition and barriers.

"Online inquiry has been developing for many years, but a preliminary user education has been completed during the epidemic. Most users first know the online inquiry and its value." Ding Xiangyuan, founder and chairman of Li Tiantian, told the twenty-first Century economic report that during the epidemic period, online consultation was mainly focused on determining whether the symptoms were pneumonia caused by the new crown virus, mask related choices and ways of wearing, low heat treatment, maternal and child related protection consultation and so on, which accounted for about 50% of the demand. Doctors can solve this problem online. For hospitals, help to divert, reduce pressure, avoid cross infection; for Internet hospitals, can complete user education.

"Seeing the convenience brought by the internet medical service during the epidemic, the policy began to gradually encourage the development of Internet medicine." Yu Gang, co-founder and executive chairman of the 1 drug network, said in an interview with the twenty-first Century economic news reporter. "From the user side, many users used to dare not use the Internet for medical treatment. First, they were not used to it, and two did not trust it. The epidemic has given everyone an opportunity to try, and these customers will settle down. Internet medical health user scale and penetration will be greatly improved.

During the epidemic period, the role played by Internet medicine has also been recognized by pharmaceutical companies. Tang Zhengye thinks, "it is very likely that the pharmaceutical companies will sell some medicines with high value, such as medicines, patents, original research drugs and new drugs, which are out of the quantity purchase, and sell them on the Internet medicine platform as a main sales channel."

Cautious attitude toward Internet medical access insurance

From the OTC drug online sales pilot, telemedicine services, online registration enquiry, prescription drug net sales ban to the liberalization, Internet hospital landing, internet medical development ten years ushered in many accelerated nodes.

But under the mode of "Internet plus medical health", there are many different types of enterprises and subdivision modes. Their demand and interaction for policy are also different.

Take the internet medical service into the new deal of medical insurance settlement, "the whole industry is more favorable, but it is not necessarily good for enterprises. The first difficulty is to solve the settlement problem of remote medical insurance." For example, the Internet Hospital of Ding Xiang Yuan is registered in Yinchuan and Heilongjiang, but if a patient in Shanghai has been hospitalized in the Internet Hospital of Ding Xiang Yuan, it is found that medical insurance can not be used because it belongs to a remote hospital. The current policy seems to be that patients in Shanghai can only be reimbursed through consultation on the online Internet platform in a hospital in Shanghai. Such words greatly limit the Internet's "service boundless" advantage, because as a Internet Co, it is unlikely to build an Internet hospital platform in every region and every hospital in the country. Li Tiantian said.

Li Tiantian thinks, for internet medical access medical insurance, "we remain cautious, not too optimistic." At present, there are still many difficulties in the docking of platforms and medical insurance, and there are too many departments involved in medical insurance, and the policies in each region are different. It is suggested that the support relationship between private internet medical institutions and offline medical institutions should be further optimized, so as to further liberate the productive forces and "relax" for the private internet medical industry.

There are also many difficulties in communicating with each other how to dock medical insurance. "It is not clear how governments at all levels will specifically land their national policies. For example, what are the details of the implementation of Internet health insurance? Which drugs can be allowed to cover the Internet through medical insurance? How to monitor? How does the system connect? The rules have not yet come out. For example, there are no clearer rules for the sale of prescription drugs. We are mainly adopting the mode of ordering stores and ordering stores. Yu Gang said that under the promotion of national policies, "in the future, we need to further expand the service ecosystem and pay more attention to the sinking market of the 3-6 line cities, which has a larger population base and a serious shortage of medical services. Besides, we will make more attempts and explorations in insurance payment and medical insurance payment. "

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