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健康保险作为现代金融体系的重要组成部分,承担着分散医疗风险、保障人民健康福祉的重要使命。为积极写好金融“五篇大文章”,落实“推动商业保险深度参与多层次医疗保障体系建设”,太平洋健康保险股份有限公司上海分公司(以下简称“太平洋健康险上海分公司”)乘势而为,成立“医保个账创新项目组”,成功推出了首个支持“商保直赔”的医保个账产品,充分彰显了保险作为经济减震器和社会稳定器的重要功效。

2024年3月,太平洋健康险上海分公司正式成立“医保个账创新项目组”,这支年轻的队伍在公司领导班子带领下,联合上海市卫生和健康发展研究中心,共同探讨上海市多层次商业健康保险需求现状,并最终联合发布“上海市多层次商业健康保险需求现状调查研究”白皮书。白皮书指出,保险行业层面鼓励产品创新与服务创新,并需要加强跨行业合作,建立数据共享机制,搭建政府背书的保险服务平台。

针对调查研究所给出的明确对策方向,结合当前传统模式下商业保险与医保支付之间的不互通、理赔模式繁琐耗时、病人往往需要先自行承担巨大经济压力等情况,项目组勇于创新,与上海保交所携手合作,借助“随申办-保险码”政府背书平台,拟上线可支持医保个人账户支付的商保产品。在前期项目组的努力下,成功获批产品上线资质,并于2024年8月在随申办平台成功上线“蓝医保·长期医疗险(20年)”个账产品。

个账产品顺利上线后,项目组积极探索,携手太平洋健康险总公司客户服务中心(消费者权益保护部)、科技中心共创并推出“直赔”服务。该服务作为医保个账产品的核心亮点之一,通过与医院、医保部门的深度合作,以及太平洋健康险公司内部的总分协作发力,实现了医院、医保和商保之间的真正高效协同。客户在医院结算时,能够享受到“医保+商保+自付”一站式直赔结算服务。这一模式的实施,极大地简化了传统的理赔流程,解决了客户看病垫资和理赔跑腿的问题,为客户提供了“出险即支付”的即时体验,显著提升了客户服务的质量和效率。以一位患有重大疾病的客户为例,在传统模式下,客户需要先自行垫付高额的医疗费用,再向保险公司提交繁琐的理赔材料,等待理赔款的到账,这一过程往往需要数周甚至数月的时间。而在“商保直赔”模式下,客户在医院结算时即可直接获得商保赔付,无需额外的申请和等待,极大地减轻了客户的经济负担和心理压力。这种创新的服务模式,不仅为客户提供了更加贴心的保障,也体现了太平洋健康险以客户为中心的服务理念。

作为上海同业率先拥有支持“直赔”服务的医保个账产品的保险公司,该创新引领不仅在技术和服务模式上实现了突破,更是发挥了保险经济减震器和社会稳定器功效。通过打通商保购买与医保支付之间的壁垒,医保个账产品就是赋予社会民众优质的医疗服务的同时,尽可能地减轻商保保费昂贵的痛点问题,实现经济减震,达成保司与消费者之间的共赢;通过实现医院端与保司端之间的部分数据共享,“直赔”服务就是尽可能规避社会民众可能面临巨额医药费的问题,带来社会稳定,造福民生。

同时,保哥家将秉承创新精神,不断优化和升级“商保直赔”医保个账产品,进一步提升服务质量和效率;并积极探索与其他金融机构、医疗机构的合作模式,拓展服务领域,丰富产品种类,为客户提供更加多元化、个性化的保险服务。此外,还将持续关注国家政策导向,积极响应国家号召,为推动我国健康保险事业的发展贡献更多的力量。

未来,保哥家将继续贯彻金融五篇大文章“普惠金融”、“科技金融”核心理念,以客户为中心,以创新为动力,以服务为根本,不断探索和突破,为社会大众提供更加优质、高效的健康保险服务,为我国经济社会的稳定发展保驾护航。

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