[Viewpoint] What are the difficulties in the health management of Internet medical insurance grafting?

Internet channel sales health insurance to graft health management is due to the defects of the Internet sales model itself, as well as the difficulty of matching products and services.

First of all, due to its functions and characteristics, Internet channels are mostly simple, intuitive, and relatively standardized products, such as fixed-income type of critical illness insurance, accident insurance, and travel insurance. This kind of product guarantees a certain kind of probabilistic event. The characteristic is that the contact with the user only appears when the probability event occurs. It is extremely low frequency, and there is no medical connection with the user. Pay-as-you-do insurance that truly has daily medical service data and long-term close contact with users requires professional consultant sales because of the complexity and individuality of its products, and is not suitable for Internet channels.

Under the background of simple products sold by the Internet, insurance companies simply do not have medical data of users. It is not known about their health status and risks. When users purchase such products, the purpose is only to obtain a low level. Probabilistic, but compensatory safeguards for devastating events are not intended to have daily interactions and medical contacts with insurance companies. Therefore, if an insurance company does not know the health status of its users and cannot obtain its treatment information and health needs, it is extremely blind and purposeless to graft health services on such products. The results will be extremely limited.

At the same time, another feature of the development of Internet health insurance is to try to use the Internet to screen out the characteristics of a certain type of user with special needs, such as diabetes patients, to graft specific insurance plans for certain types of patients, and to match this Health management of the disease to help users reduce the risk of disease progression. However, such products seem to cater to a type of user demand in terms of ensuring the matching of design and service, but in reality it does not meet the user's psychological and insurance nature.

Chinese consumers have two characteristics of insurance. The first is that trust is not enough. Because there are frauds, fraudulent insurance, false sales, and exaggerated information in the market, the user’s own trust in insurance is very low, especially for patients. For the patients, they are already suffering from certain diseases. If they are promoted to insurance related to certain diseases and protect certain types of low-probability events such as complications, if users do not have certain knowledge of insurance, it is difficult to believe that insurance is necessary. Sex.

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