Wang Yanping, Founder of Youjia Health: Empowering Industries with Digitalized Managed Healthcare Services

“The integration of health management and health insurance is an overarching trend.” In a recent exclusive interview with China Economic Net, Wang Yanping, Founder and CEO of UPlus Health, pointed out that the health management industry has entered a new stage of diversified development, and the synergistic development of health management and health insurance is also an inevitable trend.

In 2019, the China Banking and Insurance Regulatory Commission (CBIRC) issued the Measures for the Administration of Health Insurance, explicitly encouraging insurers to integrate health insurance products with health management services and raising the allowable proportion of health management service costs from the previously stipulated 12% to 20%. “Driven by these policies, the integration of health management and health insurance has received greater support and assurance,” Wang Yanping acknowledged.

So, how has the integration between health management and health insurance progressed since the implementation of the measures? Wang Yanping stated, “This is mainly reflected in two aspects. On one hand, insurance products have shifted from passive claims settlement to proactive, comprehensive health management throughout the entire process. On the other hand, health management services have become increasingly diversified, demonstrating a trend toward diversification and systematization in areas such as health check-ups, health assessments, health promotion, and health incentives.”

Wang Yanping cited UPlus Health as an example. As a digital managed healthcare service organization, it has built a medical service supply chain system covering the entire population and all scenarios over the past five years. On one hand, with users at the core, it has established the “Family Doctor Premium Care” service system. Online, it uses family doctor services as an entry point to connect online consultations, prescription issuance, medication delivery, and chronic disease management. Offline, led by nurses, it covers various settings including hospitals, homes, and enterprises, providing integrated medical services such as consultation accompaniment, patient visits, and nursing care. On the other hand, the company has strengthened its capacity to supply a curated medical network. This includes bringing high-value users with commercial insurance coverage to healthcare institutions through product and service innovations in collaboration with commercial insurers; upgrading sales models by bundling “quality products + services + insurance”; and designing innovative “health check-up + insurance” products for post-examination scenarios, along with dental and vision insurance offerings.

Regarding the next steps for integration, Wang Yanping suggested empowering the business across multiple dimensions, including product, marketing, operations, risk control, and data. Specifically, at the product level, incorporating health management services into health insurance product design has transformed insurance products into service-oriented offerings. In terms of marketing and customer acquisition, adding health management services—whether online or offline—can boost insurance sales. At the operational level, precise recommendations and intelligent matching facilitate deeper customer engagement. From a risk control perspective, proactive health management can reduce disease incidence, thereby effectively lowering claim rates and controlling costs. Through digitalization, comprehensive improvements can be achieved in product development, marketing, operations, and risk control.

Wang Yanping added that value-based healthcare is the essence of health management services, and the future development of health insurance products will exhibit “dual trends,” namely diversification and personalization. “On one hand, product forms will become more diversified. In addition to covering standard risks, future products will be designed for specific diseases and targeted populations, aligning with specialized medical and health management services. On the other hand, they will trend toward greater personalization. Future insurance products will undoubtedly feature personalized, interactive policy structures. As individual circumstances and life cycles continuously evolve, there will emerge interactive policy models integrated with health management services.”

As the trend of chronic diseases affecting younger populations intensifies in China, compounded by the recurring outbreaks over the past two years, health has become a focal point of public concern. While China’s health management industry is showing positive development trends, user satisfaction with consumption remains to be improved. Wang Yanping stated that it is essential to provide users with health solutions they “need,” rather than those merely “marketed” to them, a shift that relies heavily on technological innovation.

In recent years, the call for digital corporate health management has grown louder. However, corporate health services face pain points such as fragmented service delivery, inconsistent user experiences, and disconnected data that prevents the formation of a closed-loop system. Centered on employee benefits, UPlus Health has developed a one-stop employee benefits platform integrating “medical care, wellness, check-ups, and insurance,” providing enterprises with comprehensive, closed-loop medical and health management services. Meanwhile, the value of health management is increasingly evident in smart elderly care, medical service provisions, and industry membership operation systems. Leveraging its accumulated medical service network and refined operational capabilities, UPlus Health has continuously upgraded its product features, user experience, operational efficiency, and risk control compliance. It has established a digital solution based on its “Three Directions and One Hub” framework, further strengthening the integration of “medical care, wellness, and insurance.” In the future, UPlus will expand beyond its initial focus on the insurance sector to deliver digital managed healthcare services across various industries.

Wang Yanping stated that UJia Health’s vision is to become China’s leading digital managed healthcare service organization. On one hand, it leverages digitalization to refine and upgrade its B2B industry solutions; on the other hand, it relies on its service system to deliver personalized B2C medical and health services. Ultimately, the company aims to achieve a closed-loop, one-stop service model characterized by “one family, one care team, one health record.”