Guaranteeing and improving people's livelihood is a great project to strengthen the construction of socialism since the 18th National Congress of the Communist Party of China and is of great significance. As an Internet technology company that cares about people's livelihood and health, Water Drop Company has always fulfilled its original mission in the process of rapid development, and is determined to "use Internet technology to promote the people with protection and medical care and protect hundreds of millions of families."
deeply participate in the people-friendly protection project to promote the implementation of universal protection
In the past two years, the city-specific universal protection project has been rapidly deployed in many cities across the country, becoming a beneficial innovation in my country's construction of a multi-level medical insurance system. Since 2021, Shuidi Company has deeply participated in the people-friendly protection projects in many cities and actively explored the new model of people-friendly protection of "inclusive insurance + individual assistance + public welfare support". Since then, people-friendly protection projects in many cities such as Beijing Inclusive Health Insurance , Shanghai Huibao , Tianjin Huimin Insurance, Chongqing Yukuaibao and other cities have been implemented, providing local people with "good quality and low price" health and medical insurance.
In order to further consolidate the achievements of poverty alleviation , the Jinyun County Medical Insurance Bureau of Zhejiang Province and Shuidi Company reached a cooperation with the "Jinqing Gang" medical insurance poverty prevention project to create a "1+2+4" multi-level medical insurance poverty prevention system. By opening the "Medical Insurance Poverty Alleviation Fundraising Green Channel", launching special funds, building medical insurance Poverty Alleviation Service Stations, and building a medical insurance Poverty Alleviation Research Platform, precise identification, precise assistance and precise guarantee are achieved in all aspects in the local area, and a long-term mechanism for preventing and resolving poverty and relapse of poverty caused by illness has been established, further meeting the diverse health protection needs of the people.
After absolute poverty is eliminated, solving relative poverty and preventing poverty from falling back due to illness has become an important issue in promoting rural revitalization. Since April 2021, Shuidi has launched the first universal medical insurance in China to help "rural revitalization" - "Shuidi Rural Revitalization Insurance". This protection project has allowed 1,800 villagers in a village in Chengde County, Hebei Province to obtain a medical insurance of up to 200,000 yuan. Since then, rural areas such as Qiaojia Zaoping Village in Jiaxian County have also successively joined the "Shuidian Rural Revitalization Guarantee", which will benefit more people in poor areas. The relevant business person in charge of Shuidi Company said that the next 10 years will be a critical period for my country to deepen the reform of the medical insurance system and comprehensively build a multi-level medical insurance system. Shuidi Company will also continue to promote innovation in the welfare insurance business, and export the technology accumulation of Shuidi Company in the field of insurance technology to the industry, striving to cover the health and medical needs of a wider range of users, including new citizens and low-income groups.
Actively participate in the multi-party co-payment model for rare diseases to ensure special groups
"Pharm is guaranteed" is the expectation of all patients with rare diseases in the dilemma. How to improve the accessibility of rare diseases has become a difficult problem that needs to be solved urgently. In order to solve this problem, Shuidi Company has continuously integrated social resources in recent years, and has gradually established a multi-party payment mechanism for rare diseases by combining special assistance, introduction of commercial insurance, and personal payment of patients, to solve the dilemma of patients not being able to afford medicine.
In terms of public welfare support, in 2020, Shuidi Public Welfare and Beijing Disease Challenge Charity Foundation launched a multi-party co-payment plan for rare diseases, as a social force, focusing on solving the problem of medical insurance payment for rare diseases. As of January 2022, Shuidi Charity has jointly launched a multi-party co-payment plan for rare diseases to be assisted by 231 patients with rare diseases, with a total of more than 4.348 million yuan allocated funds.
In terms of solving the personal payment difficulties of patients, the serious illness fundraising platform of Shuidi Company, Shuidichou , provides fundraising services to more than 42,000 rare disease patients, covering 121 rare disease types, with a cumulative fundraising amount of nearly 900 million yuan. Among them, immune encephalitis, myasthenia gravis , ALS, gramopenia, vitiligo, syphilis, etc. are all diseases that patients with rare diseases seek more help.
In addition, Shuidi Company has also established a "one-stop service for universal protection + medical assistance". In 2021, Zibo Qihuibao and the operating platform Shuidi Company jointly established an innovative multi-level guarantee mechanism for rare diseases of "Qihuibao + Public Welfare Assistance".As of June 2022, Zibo Rare Disease Special Public Welfare Fund has received a total of 3 patients with spinal cord muscular atrophy (SMA). After major illness insurance, Qihuibao reimbursement, and public welfare fund assistance, the patient's out-of-pocket expenses have been reduced to less than 30%.
launches "aging-friendly" service measures to maintain stable happiness
Technology innovation empowers insurance services, especially in the context of epidemic prevention and control, the convenience and sense of gain brought by insurance technology are truly reflected in people's production and life. The onlineization of multiple processes such as "consultation, insurance purchase, and claim application" through insurance technology can break the space limitations, allowing more data to run, and fewer users to run errands. But it is worth noting that the " digital divide " brought about by digitalization also makes some elderly people feel inconvenient and affects their experience.
In order to allow more elderly groups to have risk protection, Shuidi Company's Shuidi Insurance has innovated a number of insurance products, relaxing the original insurance age limit to 80 years old, such as Shuidi Cancer Medical Insurance, Shuidi Million Medical Insurance (Premium Edition), Shuidi Critical Illness Insurance (Mini Edition), etc., to enhance the diversified choices of elderly groups' purchase insurance.
On the other hand, improve online service tools and realize online consultation, customer service and other functions, so that more data can run away, people can run less errands. At the same time, online services combined with manual services are adopted, and manual customer service can help elderly customers deal with insurance-related issues. Elderly customers can handle business easily without leaving home, provide convenient services for the elderly, and promote the solution of the "digital divide". On July 8, 2022, in order to optimize the insurance service experience of the elderly, Shuidibao launched the "three increases and three reductions" service measures, including: increasing the exclusive green channel for the elderly and reducing waiting time for various services; adding 1V1 exclusive consulting service to answer questions for users in a timely manner, synchronizing important information to relatives, reducing errors; increasing claims care services, assisting in uploading claims materials, and reducing difficulty.
Optimize the claim settlement process to enhance the sense of gain of protection services
September 2022, in order to optimize the user's claims experience and enhance the sense of gain of insurance services. Shuidi officially launched the "Shuidi Bangbang Compensation" and upgraded eight major compensation service measures to help users pay quickly and make users worry-free. The eight major compensation services of Shuidi Bangbangbangbang include: 1) to help intelligently summarize information; 2) to help initial judgment of responsibility; 3) to help speed up timeliness; 4) to help the elderly to handle disputes; 5) to help handle disputes; 6) to help reasonably protect rights; 7) to help risk inspection; 8) to help customize on demand.
Shuidi Bangbangqiao not only upgraded eight major compensation service measures, but also cooperated with the launch of four major claims tools to make claims processing more convenient. The "claim card" tool provides users with services such as reporting process guidance, data collection guidance, and claims condition guidance. Through the "Hospital Help Check" tool, users can click the button on the Water Drop Claims Page to check the type and level of the hospital to find out whether the medical hospital meets the claims requirements. The "claim information manager" tool allows users to independently select quick reports and submit materials in one click at the right time to shorten the claims cycle. The "Assisted Claims" tool helps configure exclusive claims consultants for the elderly, and assists the elderly in handling, tracking and interpreting the entire process.
helps to ensure product innovation. It covers a wider population.
Shuidie Company's insurance technology platform Shuidi Insurance reversely customizes insurance products that meet more user needs, such as the first "no deductible" million-dollar medical insurance. This product cancels the 10,000 yuan deductible limit stipulated in most similar products on the market and changes it to segmented compensation. The cost is also slightly lowered compared to before, effectively improving the level of insurance products and increasing the user's sense of gain; the cost-effective "mini version of critical illness insurance" has a concise protection responsibility, focusing on core risks, and affordable pricing, which has greatly reduced the insurance threshold of critical illness insurance , which is suitable for young people with limited budgets, just entering the workplace, and customer groups with no previous experience in purchasing insurance.
In July 2022, Shuidibao innovatively launched the first domestic customized critical illness insurance product that is exempt from health notifications - Shuidi Blue Ocean Series Critical Illness Insurance. This series of critical illness insurance simplifies the insurance and claims process, and exempts health notifications on the basis of controllable risks, which to a certain extent eliminates the concerns of the elderly and chronic patients when taking out critical illness insurance.
The 20th National Congress of the Communist Party of China was successfully held. Standing at a new development node, Shuidi Company will continue to pursue innovation and be committed to using the Internet to continuously meet users' different needs in medical insurance, help the general public, enjoy better protection and diagnosis and treatment at lower fees, and strive for the health of the Chinese people. (Pastoral)
