According to the statistics of relevant institutions, China's diabetes population is 114 million, accounting for one-third of the global diabetes population. The biggest problem for diabetic patients is the long-term “streaking†of insurance. Mobile medical platforms want to break this situation and join forces with insurance institutions. Come break. Recently, the domestic Internet insurance service platform Dabao has released the first all-line diabetes insurance “returning sugar drum†in China, and cooperated with the three major diabetes health management platforms in China, such as handheld sugar medicine, micro sugar and blood sugar executives, to introduce comprehensive products to users. Service pack. Zhongan Insurance, together with Tencent and Lilac Garden, tailored the “sugar Beckham†diabetes complications insurance. The idea of ​​these mobile medical platforms is to monitor and monitor their daily medications and diets to prevent complications by monitoring the blood sugar levels of diabetic patients every day. This approach can also be used to “charge fees†for insurance companies, thereby inspiring insurance companies to pay for chronically ill patients. This model has precedents abroad. The US personal health management mobile medical company WellDoc helps insurance companies reduce long-term expenses through their diabetes butler system. Insurance companies are willing to pay more than $100/month for users, and WellDoc charges through insurance companies. profit. This is a good thing for people with diabetes, but can it work in China? From the perspective of China's medical system, compared with the US medical insurance and commercial insurance, the proportion of US commercial insurance payment has accounted for 30%, while in China, 90% of the patient population is paid for medical insurance, commercial insurance only accounts for less than 5% and medical insurance. It is two separate systems. For insurance companies, there is no point of interest, and insurance companies have no incentive to pay for mobile health care. "Currently, the insurance company's diabetes insurance is only a short-term insurance. For example, a large special insurance for 1 year, diabetes patients cannot become a serious diabetic patient or have complications within 1 year. Therefore, short-term insurance does not have diabetes for people. What a big deal.†A Pacific insurance related person believes that if the design is a long-term insurance, the insurance company will be very cautious and afraid of not being able to afford it. Let the insurance company pay the bill is just a "hypothesis" According to relevant data, in recent years, 46% of deaths due to illness in China are patients with diabetes complications. For diabetic patients, if they are not effectively controlled, they will cause amputation, blindness, and renal failure. Therefore, people with diabetes need to master their own glycemic index every day. At present, some wearable devices appearing on the market can monitor your sleep, exercise volume, heart rate, etc. at any time. This is important for people with diabetes. “When you exercise, your heart rate will be slow, and your heart rate will drop by 30%. The risk of diabetes and heart disease can be reduced by 30%. For example, heart rate monitoring can replace private education, it can tell you how many kilometers to go to the gym, lift dumbbells How much can achieve the effect." Yue sugar CEO Yang Yufeng believes. Therefore, user demand has stimulated the emergence of a large number of diabetes APPs, and the functions of a number of wearable devices are also based on health. In addition to users spending money on hardware, these mobile medical platforms are still difficult to motivate users to pay. As a result, a group of mobile medical platforms began to take the insurance idea, they said, they can control the user's fees through the usual data monitoring and intervention. This is naturally a reason to convince insurance companies. However, several large insurance companies in China are not “coldâ€, and the reality is that they cannot satisfy their interests. “The premium is too high, the user does not pay the bill; the premium is too low, the insurance company is too risky,†said the Pacific insurer. The first to introduce diabetes insurance was Kunlun Health Insurance, but the premium was too high and was not recognized by users. "For insurance companies, he needs to prevent high-probability incidents from happening. It is necessary to ensure that the money paid for the loss is lower than the money finally received. The difficulty for insurance companies is how to design insurance products." iResearch Qin Zexi said that the insurance company Under the premise that they cannot get the patient's medical information and data from the hospital, it is difficult for them to design products for users. In addition, the listing of each insurance requires the approval of the China Insurance Regulatory Commission, and the final landing requires a process. "The Internet thinking of wool out of the pigs paying for the dog is not effective in insurance." One industry believes that diabetes insurance needs to be based on the accumulated experience of the practice to make risk predictions, and insurance companies have no incentive to pay for mobile medical care. From the current cooperation between mobile medical companies and insurance companies, it is still a simple cooperation model. Mobile medical platform providers push insurance for insurance companies, provide free online services for their customers, and insurance companies conduct online drainage for mobile medical platforms. . Everything is waiting for the policy to break the ice The huge population of 1.14 billion has made insurance companies and mobile medical platforms see the prospects of the market. In addition, the commercial health insurance tax preferential policy, which has been receiving much attention, has landed in May this year. The policy pointed out that after the decision of the State Council executive meeting, we will use the international experience to conduct pilot programs for personal income tax incentives and encourage the purchase of comprehensive commercial health insurance for the public. For the purchase of such insurance by individuals, it is allowed to deduct the pre-tax deduction in the current year at a rate of 2,400 yuan per year. The landing of the policy made everyone see the arrival of the commercial health insurance "spring". This also allows insurance companies to wait and see. "Whether part of the cost of medical insurance will be given to commercial insurance in the future." In Taiwan, a joint “care†program has been implemented for people with diabetes. The government is leading the way, and medical insurance, business insurance, hospitals, communities, dieticians, nurses, and doctors become a whole to care for people with diabetes. The project stipulates that if a diabetic patient cannot be found within 3 months, or if the diabetes is not monitored and managed in accordance with the guidelines given by the agency, the patient will be kicked out. According to the data, in 2013, 70.7% of diabetic patients (1.18 million people) were treated by the diabetes care team. The number of early-onset deaths of Taiwanese patients younger than 70 years old fell from 44.4% in 1997 to 29.3% in 2013, each year. A trend of gradual decline is presented. A mobile medical person believes that mobile Internet is only a carrier and technical means. The core of mobile medical care is to solve user needs, and icebreaking is still a policy support. Medical Patch And Gel,Pain Patch,Pain Relief Patch,Icy Hot Back Patch Shandong Zhushi Pharmaceutical Group Co.,LTD , https://www.sdzs-medical.com