November 8, 2016，The Ministry of Human Resources and Social Affairs issued the "Notice on Printing and Distributing the Internet+Human Resources & RDQUO; 2020 Action Plan" (hereinafter referred to as the action plan)，Clear social security card will load the payment function，Support various types of payment and treatment enjoyment applications，At the same time with commercial banks、Third -party payment platform and other cooperation，Construction unified、Open medical insurance settlement data exchange interface，Under the premise of safe and controllable，Support related institutions to develop online drug purchase and other applications。2016 when bad news is constantly，This seems to bring new development opportunities to pharmaceutical e -commerce。

 

  Alipay and WeChat

 

  The action plan mentioned & ldquo; accelerate the promotion of social security card loading financial functions，Construction of human resources and social security payment settlement platform，Widely rely on cooperative commercial banks、Payment channels such as third -party payment platform，Expand the online payment settlement mode of social security card & rdquo;，The third -party payment platform here in the Chinese market is Alipay and WeChat。

 

  Actually before the Ministry of Human Resources and Social Security releases stake online sports bettingstake sports betting appthe action plan，Pilot cooperation with two third -party payment giants，April 2016，Shenzhen Rennshe and WeChat sign a cooperation agreement，Pilot WeChat Medical Insurance online in 6 hospitals in Shenzhen，Month of the Month，Shenzhen Rennshe signed a cooperation agreement in Alipay，Also in Shenzhen 6 hospitals pilot Alipay medical insurance online real -time settlement。Not long after October WeChat cooperated with the Human Resources and Social Security of Zhejiang Province to open a real -time settlement for medical insurance，In November, Alipay and Anhui Wuhu people cooperated to open online real -time settlement。One front and back，WeChat and Alipay giants have started medical insurance cooperation，And the partner is the human resources and social security bureau of various places。It can be seen that the human society has been posting this time for a long time，and learn from the pilot of various places to understand the text that only posted this，Although no public report is seen，We guess the human society should also be making similar pilots as commercial banks。

 

  For Alipay and WeChat，This step is also in the planning，2014，The two giants have released their future hospitals (Alipay) and smart hospital (WeChat) plan，The first step of this plan is to open up various processes in the hospital，To make an online appointment、Registration、Paid、Report, etc. to save patient waiting time，Improve medical efficiency，and the second step is to get through medical insurance、Commercial Insurance to serve patients with a larger scale。The second part of the cooperation with the human society is in line with the giants，A little need to emphasize that Alipay WeChat paid in the first step of the two giants and the second step to open medical insurance、There is differences in Shangbao，At present, most of the hospitals that have opened future hospital smart hospitals pay all the costs through Alipay WeChat.，and the second step to get through medical insurance、Commercial Insurance refers to online settlement online through Alipay WeChat medical insurance，Specifically refers to stake betting appthe part that automatically Stake Sports Bettingcalculates and deducts the unified social security payment in the medical expenses that needs to be paid，Individuals only need to pay the remaining part in Alipay。

 

  Another thing that needs to be explained is that the positioning of the human society for the third -party payment platform is still essentially different from Alipay WeChat's future hospital and smart hospital，Alipay WeChat's current social security is based on the corresponding hospital module built in its mobile app，That is to say if the patient purchases medicines on the e -commerce platform or on other apps such as a good doctor、WeChat medicine and other registered registrations or drugs cannot enjoy the real -time online settlement power of Alipay and WeChat's medical insurance。as a government department，What the human society needs is the safe, effective and open social security payment channel，For the human society，More reasonable scenes are patients for patients online for medical consumption，No matter where you buy medicine，When choosing to pay the fee at the end，The payment channel designated by the human society is like Alipay、WeChat、Commercial bank bank cards, etc.，Allows consumers to pay only parts that individuals need to pay。

 

  Online medical insurance payment that has long blossoms

 

  It should be said that the attempts to pay online payment online in various places，The earliest record of the record was Tassem Health Platform，Tzuhiki Corporation began to settle online in Tianjin pilot diabetes medical insurance online in early 2014，Tianjin local diabetes patients can sign directly through social security card numbers and passwords to register Tazhi Health Platform，Perform diabetic drugs online，Sales of medical insurance online reimbursement and drug delivery service。This service has operated well to date，Tzuhisi is committed to incorporating more Tianjin diabetic patients into the management of the platform。

 

  In addition, in April 2015, the B2C e -commerce website of the people's pharmacy in Haining, Zhejiang also opened the medical insurance payment function，Patients will be prompted to be medical insurance when purchasing drugs online，My stake betting appstake betting appIf Haining citizen's medical insurance drugs choose goods to pay, medical insurance payment can be performed。Cheng Guanyan's medical insurance payment is also a similar model，Shenyang citizens can directly choose to pay the goods on the B2C website of Chengda Fangyuan to pay for medical insurance payment。Compared with the Guangzhou Jianmin B2C website online in August 2015, it is more convenient for medical insurance payment，Guangzhou citizens can enter the medical insurance card number and password verification after purchasing medical insurance drugs on the Guangzhou Jianmin website after purchasing medical insurance drugs.。

 

  Tianjin、Haining、Shenyang、Guangzhou opened the pilot online payment pilot of medical insurance online in different ways，Alipay and WeChat cut into the medical insurance market from the perspective of Internet companies，This isolated point finally brings together today's Human Resources Action Plan to release the online payment signal of comprehensive open medical insurance，Of course, the technology of a hospital is needed to get through when specific operations、Technical docking of cities，Many people and things that need to be communicated，Looking forward to the large -scale landing of medical insurance online payment in 2020，Blessing and our medical treatment。

 

  Medical Insurance and Medicine E -commerce

 

  If the medical insurance realizes online payment，Is this a big wind of pharmaceutical e -commerce? If you think about goodness, it is certain，But the big wind may not necessarily inertia。We can look at it from a few perspectives:

 

  1. The medicines sold on pharmaceutical e -commerce are mainly non -prescription drugs，Non -prescription drugs have low dependence on medical insurance payment，Even the state discussed several times to scratch over -the -counter drugs outside medical insurance payment，If the prescription drug network is not released，Medical Insurance Online Payment is probably limited to the actual interests of pharmaceutical e -commerce;

 

  2. How big will the online payment of medical insurance? Look at the offline pharmacy，The tightness of each local tube is different，Medical Insurance Card Personal Account Funds in many pharmacies can My stake betting apppurchase stake betting appgoods other than drugs such as cosmeceutical or even shampoo、Washing powder and other daily necessities，If you can also buy it like this if you are online，That will be a market that is not available，You must know that as of 2015, the medical insurance personal account has precipitated 4,42.9 billion yuan in cash! Intersection

 

  3. What kind of online pharmacies can use medical insurance online payment? today，The qualifications to apply for a fixed -point pharmacy for medical insurance have been released，In December 2015, Human Resources Society has canceled the qualification review system for retail pharmacy medical insurance designation，Will the people go to the online pharmacy?

 

  No matter what，Human Social Action Plan for the entire pharmaceutical e -commerce market is a strong heart medicine，We will gradually see the impact of policies on the market in the future。