Recently, Tencent's Internet + Business Security platform and Public Security co-launched micro-channel business protection payment, the first in the country to achieve the field of commercial and insurance claims paperless mobile terminal quick claims, and Weixin wallet can be used to charge the insurer's claims . At present, WeChat has been paid in Shenzhen Nanshan Hospital and Nantong MCH.
The Tencent mobile payment claims to achieve business protection, the industry for the first time to get through the mobile Internet online, offline, connecting hospitals and insurance companies, will greatly simplify the general out-patient expenses after the reimbursement process to solve the patient for medical treatment After the ubiquitous claims settlement, slow reimbursement, complex procedures pain points, while meeting the medical institutions and insurance industry innovative service needs, patients, hospitals, insurance companies to achieve a win-win situation.
Claims steps, only three steps
Right now, commercial insurance plays an increasingly important role in the domestic medical insurance system. The general public has gradually increased their awareness of commercial medical insurance. However, there are still problems that can not be settled directly in the hospital during the claims settlement and the process of claim settlement is complicated . Users need to provide the insurance company with a series of documents after the visit, and often there is a lack of a document or a seal. Running back and forth between the hospital and the insurance company has become a norm.
Caption: Patients apply for commercial medical insurance claims only three steps: click on the "claims" & rdquo ;, submitted claims information, select the medical records, and then apply for claims can be.
As Tencent officially launched WeChat PayPal, the past tedious claims process will become history. Whether registered through online channels or offline traditional way to register, regardless of whether the medical expenses Medicare reimbursement, regardless of the use of WeChat payment, cash payment or other payment methods, patients simply complete the payment, the hospital WeChat public number choose " Factoring claims "function in a simple operation three steps to quickly complete claims: click on the" claims "& rdquo ;, submitted claims information, select the medical records can be followed by public numbers at any time to check claims audit progress.
Caption: After successful application, the patient can check the progress of the claims review at any time through WeChat
It is reported that this innovative service will be simplified, greatly simplifying the claims process of commercial medical insurance: patients do not need to collect the billing list generated by the doctor, invoices, medical records, prescriptions and other paper materials, there is no need to fill claims applications and mail information There is no need to install an insurance company APP or take a photo upload without giving insurance products and policy information purchased at the insurance company. Now, as long as the fingertips move a little on the phone, you can complete the original tedious online process, medical treatment process has become more simple and quick.
Caption: The amount of small claims directly hit the patient WeChat change
It is worth mentioning that, Tencent also provides users with a convenient service: claims the amount of less than 3,000 yuan, you can directly receive payment with WeChat wallet, more convenient for people who are accustomed to using WeChat to pay.
Hospital more peace of mind Insurance companies significantly reduce costs
Caption: WeChat pays business processes
According to reports, this service is free for hospitals and insurance companies. The hospital is equivalent to access to all the cooperative insurance institutions on the platform of Tencent Internet + Business Insurance Claims, eliminating the trouble of docking with different insurance companies one by one.
For insurance companies, in addition to quick access to a large number of hospitals through the platform, direct access to digitally structured raw medical information is also achieved, reducing the cost of traditional TPA recording sessions. At the same time, the direct access to the hospital system as a result of the treatment data also reduces the risk of fraudulent access to information in paper documents that have been tampered with. In the fight part of the channel using the micro-channel payment, but also reduces the huge claims insurance fund transfer fund transfer transaction costs.
According to the relevant person in charge of Tencent Internet + Business Insurance Team, the company is actively cooperating with other insurance companies in the hope of bringing convenient and safe medical insurance services to more users.
Prior to this, Tencent had launched WeChat medical insurance coverage in Yan'an, Shenzhen, Wuhan, Kaifeng, Xiamen, Jiaxing, Chengdu, Zhengzhou, Shantou, Tongchuan and other cities. Shenyang, Nanchang, Hefei and Ningbo were also under development. With the commercial medical insurance to achieve mobile payment means that patients who purchase commercial insurance can enjoy the one-button online payment of "Medicare + Medicare" at the same time, which will not only greatly facilitate the patients to seek medical treatment and enhance the patients' medical experience, To further promote the development of commercial health insurance industry growth.