传统医疗产业是以患者本人为主要支付主体的模式，在保险公司与医院采取一般性的合作下，一直处于被动理赔的弱势地位，但如果保险公司采取参股、控股等方式与医院合作，由于其既是“收费方”又是“付费方”，出于对自身成本的控制，使得保险公司对医院处方监督和患者健康管理自发产生动力。
Patient payment is the traditional payment mode in medical industry. Insurers tend to be disadvantaged for sake of passive claiming under the general cooperation between insurers and hospitals. However if the insurers begin to hold shares under the collaboration, they are forced to supervise the hospitals and control the cost and health management as well.
用丰厚的奖励激励会员养成健康的生活习惯，提高身体素质，降低发病率，来减少保险公司的理赔支出，以此达成双方的共赢，这就是“AIA Vitality健康程式”。最先于2015年在香港地区推出，从2017年开始面向内地。保险公司拥有管理能力，但缺乏足够的数据进行产品设计，缺乏市场开发、医疗管理等人才，而这些都是医院的优势所在，将商业医疗保险引入支付体系，这种“保险+健康管理+医疗”的新管理模式给产业闭环的形成带来无限可能。
"AIA Vitality Health Program" intends to use rich rewards toencourage members once forming healthy living habits, improving physical quality and reducing incidence rate. Thus saving the compensation expenses. It first launched in Hong Kong in 2015 and was faced to the Chinese mainland in 2017. The insurance companies have the management ability, but lack sufficient data to carry on the product design and are short of professional staff, which are the advantages of the hospitals.The introduction of "Commercial Medical Insurance + Health Management + Medical Treatment" brings infinite possibility. |
2018年第二届中国健康保险业创新国际峰会确认演讲嘉宾
HIIC 2018Confirmed Speaker |
主题演讲：保险公司转型——从被动理赔向主动管理
Keynote Speech: How Will Health Insurers Transform from a PassivePayer to an Active Manager?
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友邦中国AIA China
姜利民 Jack Jiang
首席多元渠道官
Chief Partner Distribution Officer |
姜利民先生任友邦首席多元渠道官，负责公司银保，高净值，产品启动和推广，医疗网络开发和分销策略与规划工作。姜先生拥有中国人民大学法学硕士学位，拥有16年以上保险业从业经验经验。他于2002年加入友邦保险，于2017年6月，升任首席多元渠道官。
Mr. Jack Jiang is responsible for Bancassurance, High Net Worth, Product Initiation & Promotion, Medical Network Development and Distribution Strategy & Planning. He gets his master degree of Laws from RenMin University of China and has more than 16 years of experience in Insurance Industry. He joined AIA China in 2002. In June 2017, he was promoted to be the Chief Partnership Distribution Officer. |
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