“Health Management + Insurance” model
Health management is the only way to health insurance. Some experts have asserted that in the next five years, the development trend of health insurance will focus on providing users with quality health services and risk protection. The “health management + insurance” model will undoubtedly become the next competitive frontier of Internet insurance. At present, many companies in China have tried this way. The combination of Ping An Good Doctor and Ping An Insurance is a typical example.
Similarly, on August 28, 2019, the health management platform Miao Health officially released the “Miaobao” brand and the technology insurance platform of the same name. In the whole system of healthy health, Miaobao is positioned to provide users with a second layer of health risk protection in addition to daily health management services.
Miao Health is a health behavior management platform launched by Beijing Miaojiajia Information Technology Co., Ltd., which belongs to the “Big Health” strategy section of Sanpower Group. It is currently positioned to collect health data collection, health behavior intervention, and health value-added services. An integrated health management platform, has been reported several times. As of now, it has accumulated 4 rounds of financing.
Data from Whales
It is understood that Miao Health acquired Shanghai Tongren Insurance Broker Co., Ltd. and Qingdao Yuanhe Tongda Insurance Agency Co., Ltd. in 2018, and then set up the Miaobao Business Department and set up a technology insurance platform. “Start here.”
According to the introduction, at present, Miaobao has an artificial intelligence health management platform and a health intervention prescription library, which can provide a number of insurance services such as chronic illness insurance production, intelligent underwriting, and intelligent health data application platform. At present, the product is mainly for chronic diseases, and can provide various types of chronic disease product risk control solutions, and recommend health plans and health tasks with AI intelligence.
Liu Bangchang, vice president of Miao Health Group, said that the risk control of chronic disease management actually has a lot of weakness, and the evaluation effect is generally ambiguous. Insurance companies can only follow Historical data is compared. Based on this, Miaobao’s solution prevention is based on interactive content. For example, in the case of diabetic patients, if complications occur, in addition to focusing on changes in blood glucose data, will also pay attention to diet. , weight, health management plan, number of exercise steps, quality of sleep, etc., “These linkage data is very helpful for us to monitor the disease and to do risk control.”
(Miao Health has created the first index “M value” in China to assess personal health behavior numerically and a comprehensive health index “H” to assess user health status based on 70 million user health behavior data. Value”.)
From a technical perspective, relying on Miao Health’s “Internet of Things”, “Lifestyle Medicine Model”, and “AI Health Management” technology accumulation, the Miaobao platform can provide users with risk assessment, insurance consulting, and claims services. In addition, relying on the ability to access health data and collect data from different dimensions, Miaobao can provide users with thousands of healthy and exclusive insurance solutions through health care big data analysis.
It is worth mentioning that there are three special rules in the underwriting scheme: first, the user is exempted from liability and the risk is shared; secondly, the fee is increased, and the fee is increased for users who do not have the disease; third, Delay your problem, if the disease, set a certain buffer time, to recover. Liu Bangchang said that for healthy people, especially those who are able to buy health insurance, they certainly do not want to get the money at the end. In fact, from the perspective of insurance, this mechanism is to encourage users to better manage their health.
Besides the launch of the technology insurance platform, the Miaobao brand also officially launched two platform plans: the insurance user health management platform and the intelligent underwriting system.
The former is a one-stop health risk solution that helps users with chronic disease management, risk protection, and medical services. The latter is based on a professional medical model that matches the in-care rules through disease risk assessment, obtains underwriting results, and enters medical report data and lifestyle data.