On May 20th, at the Ecosystem Partner Conference, Midea Health announced a comprehensive upgrade of its one-code direct payment platform. The upgrade aims to improve medical treatment and medication services, innovate payment experiences, and accelerate the deployment and application of AI, positioning the platform as the first stop for medical payment.
Transforming Payment into a Connector for Smart Medical Services
Since its launch in 2024, “One Code Direct Payment” has promoted the co-construction and sharing of value among insurance companies, pharmaceutical enterprises, and medical service providers. Gong Qiao, Chief Product Officer of Midea Health, highlighted that the upgraded platform is an industrial-level innovative solution. It transforms payment from a tool into a connector for smart medical services, builds an advanced medical security network, and creates a warmer and smarter health service ecosystem for users, maximizing the value of advanced medicine and the accessibility of health.
Enhancing Payment and Service Experiences
The upgraded platform is designed to significantly improve user experiences across three major dimensions, focusing on visualized payment, better medical care and medication accessibility, and advanced diversified payment solutions.
Visualized Payment After Medical Treatment
Users can now directly settle their accounts at hospital and pharmacy windows within the service network, including public hospitals that were previously not covered by insurance direct payment. This enhancement ensures a seamless payment process, making medical bills and expenses clear and accessible. The platform allows users to query policy limits and track the progress of their claims, providing transparency and ease of use.
Real-time tracking of core links such as “direct payment application,” “direct payment by code display,” and “claim agency” ensures that users can seek medical treatment with peace of mind and handle claims efficiently. This feature enhances user confidence and simplifies the overall healthcare experience.
Better Medical Care and Medication Accessibility
The platform continues to expand its medical treatment and medication services, now covering 12,000 public hospitals at or above the secondary level and preferred specialized hospitals across the country. By connecting to high-quality doctor resources and collecting cutting-edge innovative drugs and medical devices, the platform breaks down information barriers and unblocks the “last mile” of drug use, ensuring that patients have access to the latest treatments.
Personal health records are established based on the sequence of medical visits, enabling full-course management from payment and providing users with more benefits throughout their life cycle. Additionally, a commercial insurance identity label system assists doctors in identifying patients participating in commercial insurance, better meeting users’ demands for new technologies, new drugs, and higher treatment goals.
Advanced Diversified Payment
The platform offers a variety of payment solutions, including innovative drug and medical device aggregation benefits, commercial medical insurance, sick person insurance, financial installment, and charity drug donation. Users can apply for direct payment for special drugs and medication services with just one click, significantly reducing the economic burden of medication.
A new “Combined Payment Function” allows users to choose from multiple payment plans for simultaneous claim settlement. This feature makes drug bills clearer and reduces the burden of drug and medical device costs, providing users with greater flexibility and control over their healthcare expenses.
Summary
The upgraded platform enhances the overall payment and service experience by providing visualized payment options, improving medical care and medication accessibility, and offering advanced diversified payment solutions. These improvements ensure that users have a seamless, transparent, and efficient healthcare experience, reducing both the administrative and economic burdens associated with medical treatment.
AI Super Dialogue Box: Xiao Fu
The platform also launched a super dialogue box named Xiao Fu, which is well-versed in both medicine and insurance. Relying on the mind42.ai intelligent hub of Midea Health, Xiao Fu integrates rich medical and insurance data resources to create a professional dialogue box covering the entire medical treatment process and the entire insurance chain. It provides users with multi-dimensional medical consultation services, including drug inquiry, disease information, payment methods, and drug delivery. Additionally, it offers intelligent services such as insurance clause interpretation and claim process guidance. With its powerful data analysis and intelligent computing capabilities, Xiao Fu transforms accurate professional knowledge into reassuring answers suitable for each individual, tailoring better solutions for users and making medical and insurance inquiries both professional and simple.
Future Outlook
Gong Qiao emphasized that “One Code Direct Payment” has redefined the value of payment. The platform has upgraded originally scattered and non-standard services to standardized, integrated, and highly efficient service norms, making insurance a tangible value and advanced medicine more accessible to patients.
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