[Depth] "Insurance + Medical" mode decryption
Insurance capital enters the real strategy of the medical industry, and the perfect closed loop based on the layout of big data
In May, two things in the insurance industry were somewhat coincidental. On the 8th, Sunshine Insurance invested 3 billion yuan to build the Sunshine Ronghe Hospital. On the 19th, Ping An, the O2O health care service platform of China Ping An, completed a $500 million Series A financing and laid out a healthy ecosystem.
However, the investment of 喧嚣 did not dilute the serious crisis of trust brought about by the death of a young man named Wei Zexi, who was suffering from cancer at the beginning of the month, and the development of non-public hospitals.
Under such a coincidence, "insurance + medical" has high hopes for the industry's security attributes of insurance, and its users and patients may have a beautiful closed loop in the data overlap, and also a low economy. The fragile nerves that are eager to touch. What kind of thrust is there behind the dangerous gold infiltration into the health care industry? What kind of industry change will it bring?
Ten years journey
Insurance institutions entered the medical industry . The most well-known case occurred in 2010. Ping An Trust of China Ping An and Shenzhen Longgang District Government signed a contract for cooperation with the Municipal Hospital of Traditional Chinese Medicine. The market has placed its prospects infinite. However, the progress of the project has not been smooth. According to the original plan, the hospital in Longgang Sports New Town will be supported by the 2011 Shenzhen Universiade and will be completed in July 2011. But after a year of the Universiade, the hospital is still a "empty shell." As the coordination of resources to each other could not be promoted normally, the cooperation between the two parties was finally terminated in September 2012, which also marked the setback of the insurance funded medical institutions.
However, as an extension and integration of the industrial chain, the cooperation between insurance and medical care is still advancing at both the policy level and the industry level. Insurance funds have the characteristics of long cycle, large scale and strong stability, and have a natural fit with the medical pension industry. For a long time, the insurance industry has been one of the front-end industries in the development of the medical care and health industry. The China Insurance Regulatory Commission also attaches great importance to the investment and development of insurance funds in the medical pension industry chain.
In recent years, the various policies related to the medical pension health service industry, which are intensively introduced by the State Council, are the key to promoting the rapid advancement of insurance funds in related fields. In September 2013, the State Council promulgated the “Several Opinions on Accelerating the Development of the Aged Care Service Industry†and “Several Opinions on Promoting the Development of the Health Service Industryâ€, clearly proposing to develop diversified health insurance services, establishing commercial insurance companies and medical, physical examination and nursing. Mechanisms for cooperation with institutions. The new “National Ten Articles†issued by the insurance industry in August 2014 further elaborated on supporting qualified insurance institutions to invest in the aged care service industry, promoting the integration and development of the insurance service industry and the aged care service industry; and supporting insurance institutions to participate in the health service industry industry chain integration. Explore the use of equity investment, strategic cooperation and other means, set up medical institutions and participate in the restructuring of public hospitals.
With the continuous implementation of relevant policies, many insurance companies such as Taikang have successively laid out and succeeded in the fields of pension, medical and health. Taikang Life Insurance has been deployed since 2007, and has now landed 8 old-age communities in first- and second-tier cities, and promoted industrial expansion with the business model of “endowment + insurance + medical careâ€. China Life takes health care, pension insurance, and government purchase services as important business segments, and combines the health care industry to invest in old-age health community services to form a cross-border health and large-age industry chain. At the beginning of this year, China Life Insurance, a subsidiary of China Life Insurance, signed a strategic cooperation agreement with Zhongnan Hospital of Wuhan University to conduct comprehensive cooperation in the field of medical and health care. Prior to this, Fosun Group Fosun Prudential Life Insurance signed a strategic cooperation agreement with Xinhua Hospital affiliated to Shanghai Jiaotong University School of Medicine. Zhongan teamed up with Huada Gene Gene Insurance, and PICC Health Beijing Branch and Peking University Cancer Hospital signed a strategic cooperation agreement to jointly launch products. . In addition, as the holding company of Alibaba Group in the medical and health field, Ali Health's commercial health insurance company is already in preparation.
However, large-scale general hospitals such as Sunshine Hospital, which are dominated by insurance companies, are the first. Similar to this is China Life Insurance, which signed a cooperation agreement with Zibo Central Hospital and Sinopharm Group Financial Leasing Co., Ltd. at the beginning of this year. The three parties will jointly set up a hospital management company to be responsible for the construction and operation of the hospital's West Campus. China Life is the largest shareholder of the hospital management company. According to another report, Ping An Group is also planning to invest in the construction of the top three hospitals.
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