Ping An Good Doctor Launches 'Commercial Insurance Direct Claim' Service in Wuhan, Enabling Instant Payouts at Discharge with Zero Upfront Payments

December 25, 2025Ping An Health Internet Company Limited (hereinafter referred to as: PINGAN GOOD DOCTOR)Co-hosted with Wuhan Third HospitalLaunch Ceremony for “Direct Billing with Commercial Insurance” Service Announces Convenient Experience of “Instant Reimbursement upon Discharge with Zero Out-of-Pocket Payment” for Patients at the Hospital. Specifically, Ping An Insurance customers can complete commercial insurance claims in less than ten minutes during discharge settlement, eliminating the need for post-discharge documentation and multiple trips between the hospital and the insurance company. This innovative service is an active practice responding to the National Healthcare Security Administration’s policy on data sharing between basic medical insurance and commercial insurance, and promoting the implementation of the “Healthy China” strategy. It also represents a key move in advancing Ping An Group’s dual-drive strategy of “Integrated Finance + Healthcare and Elderly Care.” In the future, this service is expected to be fully implemented across the Wuhan region soon.

Mr. Zhang’s family member was hospitalized at Wuhan Third Hospital due to burns. Upon admission, they reported the case and applied for direct claim settlement services via the Ping An app. On the day of discharge, they proceeded to the billing counter for settlement. After the financial staff completed the medical insurance settlement, they immediately processed the commercial insurance calculation and confirmed the direct claim result. The discharge receipt was printed, and the entire insurance claims process was completed in under 10 minutes. “The process is simple and took only a few minutes. There was no need to run back and forth between the hospital and the insurance company to submit medical records. The experience was excellent!” Mr. Zhang spoke highly of such a convenient claims procedure.

It is reported that PINGAN GOOD DOCTOR’s launch of its commercial insurance direct billing service has established a new “healthcare + insurance + health management” service ecosystem. Guided by the National Healthcare Security Administration’s policy on data sharing between basic medical insurance and commercial insurance, and leveraging Ping An Group’s leading fintech capabilities and mature risk management system, the initiative fosters deep collaboration with high-quality medical institutions across various regions. The commercial insurance direct billing service bridges the data gap between medical payments and commercial insurance claims, effectively addressing the difficulties patients face in obtaining reimbursements. Huang Xiaodong, Party Secretary of Wuhan Third Hospital, stated that the launch of this service marks a “milestone” in the hospital’s service upgrades and represents a significant step toward realizing the principle of “letting data do the running so that people need to run less.” It will fundamentally resolve the persistent pain points of “difficult reimbursement and lengthy processing cycles,” promoting a win-win outcome for hospitals, insurance institutions, healthcare service platforms, and patients.

A relevant executive from PINGAN GOOD DOCTOR pointed out that over the years, the company has remained committed to being “user-centric,” providing a wide range of customers and patients with high-quality medical and healthcare services that are worry-free, time-saving, and cost-effective. Wuhan No. 3 Hospital, with its 150-year history, boasts solid medical resources, a robust service system, and a professional medical team, laying a strong foundation for efficient collaboration between the two parties. “Advance payment for medical treatment and cumbersome claims processes” have been among the core pain points for insurance customers in the past. To tackle the challenging task of implementing direct billing for commercial insurance, both parties made unremitting efforts and devoted significant commitment to achieving direct system integration and bridging data gaps. “We look forward to truly upgrading insurance services from ‘post-treatment reimbursement’ to ‘real-time direct billing,’ thereby substantially improving the medical experience for the general public.”

It is reported that Wuhan No. 3 Hospital, with a 150-year history, has become the first institution in the Wuhan area to directly implement Ping An’s commercial insurance direct billing service. Currently, PINGAN GOOD DOCTOR’s commercial insurance direct billing service covers diverse medical scenarios, including comprehensive Grade 3A hospitals, specialized oncology centers, and traditional Chinese medicine facilities. The company plans to further expand the reach of its direct billing services, with several additional large-scale Grade 3A hospitals scheduled to come online over the next two months. Industry experts believe this move marks a critical leap for PINGAN GOOD DOCTOR’s commercial insurance direct billing service—from isolated breakthroughs to regional, scaled coverage—demonstrating its response to national policies on data sharing between basic medical insurance and commercial insurance, and advancing the implementation of the Healthy China strategy. A company representative stated that PINGAN GOOD DOCTOR will continue to deepen cooperation with hospitals across China, constantly optimize the direct billing process, and enrich service scenarios. This effort aims to extend the benefits of commercial insurance direct billing to people in more regions, contributing through digital and intelligent practices to the improvement of a multi-tiered medical security system and the ongoing construction of “Healthy China.”