The Service Fee Will Be Brought Into The Medical Insurance Policy In An All-Round Way, And The Internet Medical Service Will Face The In-Depth Development

With the continuous introduction of new policies, various barriers hindering the development of internet medical treatment are disappearing.

On July 21, the general office of the State Council issued the implementation opinions on further optimizing the business environment and better serving market participants, which clearly pointed out that under the premise of ensuring medical safety and quality, the scope of Internet diagnosis and treatment should be further broadened, qualified internet medical services should be included in the scope of medical insurance reimbursement, and the national unified internet medical examination and approval standards should be formulated and published to accelerate innovation Review, approve and promote clinical application of type-I medical devices.

A few days ago, the State Council issued the opinions on supporting the healthy development of new formats and new models, activating the consumer market and driving employment. The opinion pointed out that the Internet should be used to optimize the medical experience and create a new ecology of healthy consumption. Further strengthen the construction of smart hospitals and promote online appointment inspection. To explore the mutual recognition system of examination results and online prescription information, and to explore the establishment and improvement of patient led medical data sharing mode and system. To explore and improve the online medical dispute handling methods.

In March this year, the National Health Insurance Bureau and the National Health Commission explicitly included eligible "Internet plus" medical service fees into the scope of medical insurance payment for the first time, and encouraged designated medical institutions to provide "do not meet" drug purchase services.

The document issued by the State Council once again stressed that qualified internet medical services should be included in the scope of medical insurance reimbursement, indicating that the country urgently needs to promote the implementation of this policy to further meet the needs of the majority of patients.

"The successive introduction of new policies reflects the determination of the state to continuously increase investment in internet medical care." On July 21, Wang hang, founder and CEO of gooddoctor online, said in an interview with 21st century economic reporter that the internet medical industry is ushering in an unprecedented period of development opportunities.

Development into fast lane

This year, Internet healthcare has become a hot sector in the capital market.

As of the close of July 21, as the leader of the internet medical industry in China, the share price of Ping An Hao doctor, which is listed in Hong Kong stock market, has risen from HK $67 at the end of January to HK $125, up more than 80%, and its market value has exceeded HK $130 billion. Ali health has also increased from HK $10.96 at the end of January to HK $22.65 today, up more than 90%, and its market value has doubled.

Behind this craziness is the new outlet of internet medical service which is stimulated by the policy of epidemic superposition. According to the annual analysis report of China's Internet medicine in 2020 released by Yiguan, the scale of internet medical market will reach 19.69 billion yuan in 2020, with a market growth of 46.7%, which is the highest growth rate since 2015.

Jiang Tao, Chief Strategic Officer of smart medical of Ping An smart city, said that the outbreak of the epidemic in early 2020 and the series of supporting policies issued by the state have ushered in a new round of development boom of Internet medicine.

Wang Jun, investment manager of Beijing first industry investment fund, also pointed out that the new opportunities for the development of internet medical industry are mainly focused on the encouragement of national policies. The epidemic situation has improved the public awareness of the use scenarios of Internet medicine.

After the outbreak of new crown pneumonia, in order to reduce the risk of cross infection in offline treatment, a large number of hospitals closed the routine outpatient service. In this regard, the National Health Commission issued a notice calling on all parts of the country to actively carry out telemedicine services; give full play to the unique advantages of Internet hospitals and Internet diagnosis and treatment, and encourage online referral of some common diseases and chronic diseases and drug distribution services. During the epidemic period, online consultation has become the first choice for patients.

Through a series of services, such as on-line professional doctor consultation, medical insurance online payment, drug delivery home and so on, internet medical enterprises can effectively transform users' needs during the epidemic period, and accelerate the cultivation of online consultation and consumption habits of users. During the epidemic period, the number of visits to Pingan haodoctor internet medical platform reached 1.11 billion, the number of new registered app users increased 10 times, the average daily consultation volume of new app users was 9 times that of normal times, and the cumulative broadcast volume of relevant videos exceeded 98 million; Haoda launched online free clinic online, with a total of 6.72 million patients and over 80000 doctors from January 20 to April 12 The average daily demand for online consultation increased by 648% compared with December 2019.

Diversified realization path

With the favorable development environment, the internet medical industry is ushering in a development watershed: the market supply has increased significantly, the payment ability has been improved as a whole, and the industry players have begun to deeply layout and explore new ways to realize their cash.

For example, the hospital is accelerating the construction of the Internet project or receiving the construction cost of the hospital. Taking Ping'an Hao doctor as an example, as of December 2019, it has cooperated with more than 3000 hospitals. At the same time, there are internet medical enterprises and offline pharmacies symbiotic development, integrating online follow-up, chronic disease management, efficacy tracking and other health management services in the pharmaceutical end.

There are also family doctors as the entry point to integrate online and offline medical resources to effectively supplement the out of hospital service gap. Good doctor online is the representative of the track. It provides a "county + Township + village doctor" integrated family medical service team supported by specialist experts to help specialist doctors and grassroots general practitioners establish a cooperative relationship of chronic disease management, and form a "specialist + general practitioner" team to provide standardized and professional chronic disease management services to grassroots patients.

In addition, under the support of policy, we should actively introduce medical insurance and commercial insurance, integrate data, improve efficiency and reduce cost, and open up the closed-loop of internet medical services. For example, Ping'an good doctor and Ping An group have carried out in-depth cooperation on internet medical care, and launched medical 360 and other products, mainly providing online diagnosis and treatment services for the insured of Ping An Life Insurance and other insurance companies.

In this regard, Analysys said that in the future, the industry's user traffic will come more from the hospital and the health end, and will also promote more b-end cooperation, and the collaborative development of government and enterprise will become the mainstream; and the data accumulated by the industry will form ecological interaction with commercial insurance for mutual benefit and win-win results, and the combination of internet medical care and insurance will become the rapid growth point of the industry.

Many problems to be solved

However, the current realization mode is only in the water test stage, and there are still many problems to be solved. As a weak business model, the Internet industry has been faced with the problem of weak regulation and market promotion.

Wang Jun pointed out: "at present, the biggest difficulty in the development of internet medical service is that medical service can't be charged. Originally, using internet medical platform is convenient, but there are too few diagnosis and treatment demands that can be covered. Internet medical treatment is not allowed to do the first diagnosis, so it is very difficult to promote medical service."

Although Internet health care is gaining the support of medical insurance policy, there are still difficulties in the payment side. For example, the offline medical institutions on the medical side are bound with the medical insurance quota, and the third-party medical institutions on the drug side should share the medical insurance quota with the offline designated pharmacies.

In the face of this dilemma, Wang hang believes that there are two directions to solve: "the first is to always focus on cost reduction and efficiency improvement innovation. Whether offline or online, as long as it can help society reduce costs, improve efficiency, and provide services that satisfy patients, medical insurance will certainly support it. The second is to increase investment in health services to upgrade services and promote development. "

However, Wang Jun said: "another obstacle to the development of the industry is the cultivation of public cognitive habits. Due to the strong offline nature of medical services, patients may return to offline medical institutions after the epidemic. Whether the follow-up internet medical platform can continue to retain patients is a great test for the industry. "

In this regard, Wang Hang is optimistic. He believes that "whether patients can reuse after the epidemic depends on whether the industry participants can continue to provide satisfactory medical services. At present, the online consultation service platform is still not used as an online consultation service platform, which is clear and skilled. Only when the internet medical enterprises on the track work together to improve the service quality, can people be willing to use it continuously and form habits, and the market can really expand. "

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