In terms of the actual landing of mobile payment for medical insurance, Ali announced that he had "robbed" in front of Tencent and Ping An. A few days ago, Ali's Ant Financial Service officially announced in Shenzhen Third People's Hospital that its Alipay medical insurance mobile payment broke the ice for the first time in China and landed in Shenzhen.

Alipay is the first to promote in Shenzhen

On May 31, the medical insurance mobile payment project jointly operated by Alipay and Shenzhen Human Resources and Social Security Bureau (hereinafter referred to as “Shenzhen People's Social Security Bureau”) officially took the lead in six public hospitals in Shenzhen.

Based on the "medical insurance" network payment standard jointly launched by the two parties, the company has established a scalable access program for the first time in China and has a replicable plan. It has established the Shenzhen model of Internet + social security business, through Alipay's real name, risk control, The core capabilities such as payment have established a safe channel for medical insurance Internet payment.

Wang Bo, general manager of Ant Financial Services, said that the two companies' cooperative output schemes mainly have the following characteristics: First, they use Alipay's real-name user system to provide basic capabilities and convenience for the card-binding process. The user can tie the card online and use Alipay's real-name information to confirm and verify the identity, ensuring that the information is true and accurate and complete the entire experience online. The second is to use Alipay's risk control system to escort the payment link. Alipay risk control system initiates password control, question answering, fingerprint identification, face recognition and other risk control methods according to the risk level of the payment link to ensure the payment link is safe and reliable. Third, it uses Alipay's hybrid payment ability to provide users with the best payment. Experience. When seeking medical treatment in a hospital, after the doctor opens the prescription, the patient can check the payment amount and the self-pay amount of the medical insurance on the Alipay, enter the password to complete the payment in full, and do not need to download any other A pp; the fourth is to use Alipay's guarantee ability. If the user is stolen or Alipay's real-name authentication information is incorrect, the user or the medical insurance bureau will be insured, and Alipay will pay in full.

"Three horses" secretly compete

According to the Southern Reporter, the Shenzhen People's Social Welfare Bureau is currently talking about the medical insurance mobile payment. In fact, the ant jinfu clothing owned by Ali is on April 22 this year. Shenzhen Medical Insurance Online Payment has sent Ping An Group and Tencent WeChat will take the lead in piloting. .

Ping An Group's promotion and Shenzhen People's Social Security Bureau cooperated with Ping An's mobile payment brand Ping An's wallet and Ping An Annuity Insurance. The news indicated that the two parties have completed the signing process. The first batch of pilot hospitals participating in Ping An Social Security Wallet Medical Insurance online real-time settlement will include Shenzhen. Well-known top three hospitals including the People's Hospital.

Tencent's approach is to use the WeChat real-name user authentication system and payment capabilities, so that medical insurance users can use the WeChat to bind the social security card, and complete the online payment of medical insurance and self-paying amount in one-click scenarios such as the hospital designated by the Human Resources and Social Security Bureau. The patient is moved to seek medical treatment, and the old problems of “three long and one short” are greatly alleviated. As for which hospitals WeChat will cooperate with to implement, Tencent's relevant staff responded to Nandu reporters, saying that the first batch of 10 cooperative pilot hospitals will also be paid for medical insurance in the near future. At that time, users can realize the whole process of medical insurance through WeChat payment.

It is understood that since more than 70% of the hospitals in most hospitals are insured patients, each hospital has also carried out mobile medical cooperation in the past two years, but they can only cover self-paying patients, and medical insurance people cannot enjoy mobile payment. All the conveniences brought. It is also in this context that the Shenzhen Human Resources and Social Security Bureau began to contact several mobile payment agencies mentioned above.

According to the ant gold service, Shenzhen insurance personnel can complete the medical insurance outpatient registration and payment through the mobile phone after Alipay binds the financial social security card, avoiding long queues and greatly improving the efficiency and experience of the treatment, which will directly benefit Shenzhen. The city has 12 million insured people.

However, an accountant of the Shenzhen Third People's Hospital was slightly cautious when interviewed by the reporter, saying that although the pilot program of the previous invitation system was effective, it was not good enough to judge the final results because there was no large-scale implementation.

What is the giant's money?

Why should Ali, Tencent, and Ping An’s “Three Horses” be so desperately to post money, and go to the field of medical insurance mobile payment?

In this regard, some analysts believe that the success or failure of medical insurance mobile payment can activate the medical service ecosystem, and now, under the expectation of accelerated social aging, whether Ali, Tencent, or Ping An is accelerating the layout of this ecosystem.

For Ping An Group, it is widely believed that the Ping An Social Security Wallet program launched by 壹 Wallet can be regarded as one of the important strategies for Ping An 3.0 to focus on Internet health care and establish a smart medical insurance management and service system. In addition, some analysts said that the Ping An payment plug-in business has been fully applied to Ping An Insurance, securities, P2P and other financial industries, as well as to external core industry merchants. The opening of medical insurance mobile payment will also contribute to the overall development of Ping An payment plug-in business.

In Tencent, with the continuous advancement of WeChat smart medical solutions, up to now, 1,200 hospitals across the country have achieved full-process treatment, covering 33 of the 34 provincial-level administrative regions.

With Tencent's WeChat system to realize the medical insurance card payment function, it is intended to promote smart medical care through the accelerated promotion of “smart medical insurance”. Ant Financial Service Alipay has paid mobile payment in 6 hospitals in Shenzhen, and is also promoting it in the form of subsidies. Future hospital plan."

In Wang Bo's view, the major breakthrough in medical insurance mobile payment also marks the official entry of Alipay's future hospital into the second phase. Next, it will use the various capabilities of Ant Financial to create a convenient medical ecosystem and activate the mobile medical industry chain. According to its disclosure, on the basis of this, the ultimate goal of Alipay Future Hospital is to establish a health management platform for big data.

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