Ping An Yi Jia Launches Industry's First 'End-to-End Online Medical Assurance' with Up to RMB 1 Million Coverage

Are the doctors reliable? Is the diagnosis safe? Can you feel confident when purchasing medications?

With the rapid development of the digital economy, an increasing number of people have come to appreciate the convenience of internet-based healthcare; nevertheless, many patients still harbor numerous concerns about “cloud hospitals.”

Online Medical Consultations: Truly Guaranteed! With a mission to build a professional bridge for doctor-patient communication and guided by the service philosophy of “professionalism, trust, and convenience,” PINGAN GOOD DOCTOR’s subsidiary brand, Ping An Yijia, has launched a new initiative. On October 29, 2020, Ping An Yijia introduced the industry’s first “Comprehensive Peace-of-Mind Guarantee for Online Healthcare,” which covers two major categories—medical liability and drug quality—and includes seven key assurances such as physician credentials, diagnostic and treatment quality, and medication safety, directly addressing the “trust” pain point between doctors and patients.

By synergizing with insurance products, Ping An Yijia provides users and doctors with comprehensive coverage throughout the consultation journey, with coverage amounts of up to RMB 1 million, thereby creating the industry’s largest and most comprehensive protection system.

“It’s great now—it’s like having a hospital in your phone.” In early September, Mr. Zhang, a resident of Yinchuan, became a devoted fan of online consultations after experiencing the services provided by PINGAN GOOD DOCTOR. With a more than ten-year history of coronary heart disease, Mr. Zhang requires long-term medication and had to visit the hospital at least once a month for follow-up appointments and prescriptions, often enduring lengthy queues. Now, by using the PINGAN GOOD DOCTOR app to renew his prescription and purchase medications, he can apply for reimbursement through his medical insurance card and pay the out-of-pocket expenses online, completing the entire process in under 20 minutes. “I consulted the doctor in the morning, and the medications were delivered to my home by the afternoon,” Mr. Zhang remarked. “Not only is the range of medications comprehensive, but there are no additional costs either.”

Internet-based healthcare, which breaks down geographical barriers, allows people to experience the convenience of “consulting a doctor without leaving home.” However, many who have not yet tried online consultations still wonder: “Is seeking medical advice online truly reliable?” The launch of Ping An Yijia’s “Comprehensive Peace-of-Mind Protection for Online Healthcare” now provides users with reassurance. Ping An Yijia offers full-process medical coverage for each user, spanning the entire journey from pre-consultation through the consultation itself to post-consultation medication purchases, with a maximum insured amount of RMB 1 million per user—the highest single-case coverage limit in the industry.

The new product launched by Ping An Yijia encompasses seven key assurances, comprehensively addressing widespread concerns regarding physician qualifications, consultation response speed, diagnostic quality, and medication safety. Specifically, prior to consultations, Ping An Yijia guarantees the authenticity of physicians’ displayed credentials. Once a consultation is initiated, users receive prompt responses from physicians, effectively eliminating the frustrating experience of “waiting two hours for a five-minute visit.” After the consultation, the platform provides liability coverage for the accuracy of specialist diagnoses. The platform ensures that all prescriptions are diagnosed and confirmed by the attending physician, guaranteeing their professionalism and safety. This dual assurance of “accurate diagnosis and correct medication” fully alleviates public concerns about online consultations. During prescription payment, user privacy is strictly protected. For medication orders, the platform guarantees accurate delivery within the promised timeframe. Additionally, Ping An Yijia provides quality assurance for all medications included in the orders.

This means that users are entitled to corresponding compensation for any personal injury, time loss, or property damage covered under the policy, regardless of whether liability lies with the physician, the platform, or the quality of the medication. By providing comprehensive coverage across multiple dimensions—including diagnostic and treatment quality, safety assurance, data protection, and service quality—this approach alleviates patients’ various concerns and reservations about online medical consultations, thereby enabling them to seek medical care with genuine peace of mind.

No Medical Responsibility Is Trivial; Human Life Is Paramount—Doctors Are No Less Vigilant About Medical Risks Than Patients. Particularly against the backdrop of frequent doctor-patient disputes in recent years, physicians often bear additional psychological pressure when providing critical diagnostic and treatment recommendations. Ping An YiJia is committed to building a professional bridge for doctor-patient communication, and ensuring peace of mind for physicians is a key component in cultivating a robust physician ecosystem on the platform.

Through the Internet Medical Liability Insurance included in Ping An Yijia’s “Comprehensive Peace-of-Mind Coverage for Online Healthcare,” the platform assumes liability risks associated with medical practices. This enables Ping An Yijia’s in-house physicians and external partner doctors to provide professional medical services—such as medical consultations, health management, and medication advice—to patients on the platform with greater confidence, allowing them to practice medicine without worry and with a focus on professionalism.

Ping An Yijia provides each doctor with a coverage amount of RMB 1 million. This clear and well-defined liability coverage offers robust protection for the professional services delivered by online doctors, enabling patients to seek consultations with confidence and allowing physicians to practice with peace of mind.

As a leading internet healthcare platform in China, PINGAN GOOD DOCTOR serves 346 million registered users and boasts an in-house medical team of over 1,800 professionals. This team includes numerous experts from Grade 3A hospitals with more than 15 years of clinical experience. The platform handles 830,000 daily consultations, brings together nearly 10,000 experts nationwide, and has partnered with scholars in specialized disease fields, leaders of national key disciplines, and renowned physicians to establish prestigious doctor studios. Its high-quality, abundant medical resources and years of accumulated healthcare service experience form the foundation of confidence for Ping An Yijia’s launch of high-coverage insurance plans with sums insured reaching millions.

The massive user base of PINGAN GOOD DOCTOR also means that Ping An Yijia’s “Comprehensive Peace-of-Mind Guarantee for Online Healthcare” offers the largest coverage volume among similar products. Meanwhile, its 24/7 professional online services, ultra-fast response times, and highly efficient delivery system currently represent the most advanced service standards in the industry.

As a sub-brand of PINGAN GOOD DOCTOR, Ping An Yijia has continuously launched a series of innovative features and upgraded products since its official release in September 2020, comprehensively enhancing the quality of online medical services. As a key component of Ping An Yijia’s product innovation and upgrades, the “End-to-End Peace-of-Mind Protection for Online Medical Services” establishes an innovative risk protection system for both users and doctors. This makes internet-based healthcare—a round-the-clock, contactless, and highly efficient model for seeking medical attention—a trusted choice for more patients. It also empowers doctors, a respected professional group, to pursue their value and dreams with greater confidence, supported by technology and the platform.