Ping An Launches 'Hospital One-Stop Account' Platform to Pioneer an Integrated Internet Healthcare and Commercial Insurance Ecosystem
On August 2, Ping An Health Cloud and Ping An Pension Insurance jointly held a press conference in Wuhan, Hubei Province, officially launching the “Hospital One-Account Pass” platform. Leveraging this platform, Ping An Pension Insurance has further upgraded its services by introducing the “Express Claims” service.
Ping An’s “Hospital One-Account Pass” provides comprehensive medical consultation, refined management, and financial product upgrade services to users, medical institutions, insurance companies, and other partners. It enhances the patient experience and operational efficiency of healthcare providers, reshapes the product structure of commercial health insurance and future industry trends, and creates a new one-stop model integrating internet-based healthcare with commercial insurance.
Ping An Hospital One-Account Pass Launch Event
Ni Jianwen, General Manager of Ping An Health Cloud at Ping An Technology (Shenzhen) Co., Ltd.; Hong Juan, Assistant to the General Manager of Ping An Pension Insurance & Investment Company of China, Ltd.; and Yang Guoliang, Vice President of Wuhan Central Hospital, along with many other senior executives from partner organizations, attended the event.
(The above photo shows Ni Jianwen, General Manager of Ping An Health Cloud at Ping An Technology (Shenzhen) Co., Ltd.)
It is understood that “Hospital One-Account Pass” addresses the distinct needs of users, medical institutions, and commercial insurance payers by leveraging internet technologies in its product design to create scenario-based, O2O-style healthcare products and services.
1Provide one-stop medical services addressing users’ end-to-end needs across the pre-consultation, consultation, and post-consultation phases.
In the pre-consultation phase, features such as online triage and guidance, appointment registration, queue management with number calling, and in-clinic payment are provided to effectively streamline cumbersome medical processes. Functions like the hospital directory and search tools help users better understand the specialties of hospital departments and the medical costs associated with various diseases. During the consultation phase, users can receive test reports in real time on their mobile devices, seamlessly integrate with electronic prescriptions, and access professional interpretations—including drug instructions and medication reminders—to gain a comprehensive understanding of medication details. Comprehensive electronic medical records track users’ different diagnosis and treatment journeys, making post-consultation follow-ups more convenient and enabling doctors to fully understand patients’ conditions during consultations, thereby improving diagnostic accuracy and user satisfaction.
In addition, leveraging the comprehensive financial strengths of Ping An Group, "Hospital One-Account Pass" distinguishes itself by offering medical consumer finance services to users, including advance payment of hospitalization deposits, installment plans for medical expenses, small-scale credit loans, and mutual aid crowdfunding, thereby comprehensively optimizing and resolving patients' medical cost burdens.
2For healthcare institutions, “Hospital One-Account Pass” helps them optimize the allocation of medical resources and reduce the burden of administrative management.
By enabling seamless integration with electronic prescriptions, it enhances physicians’ work efficiency and facilitates refined management, thereby improving hospital performance management while ensuring patients receive a high-quality healthcare experience. In addition, “Hospital One-Account Pass” provides end-to-end supply chain finance services, such as one-stop clearing and settlement and financial leasing, to alleviate hospitals’ cash flow challenges.
3“Hospital One-Account Pass” leverages cloud computing and big data analytics to precisely recommend personalized medical insurance products to users via online internet channels, pioneering a new online sales and service model for the purchase, payment, and claims settlement of commercial medical insurance.
Ping An’s “Hospital One-Account Pass,” in collaboration with Ping An Pension & Insurance, has launched a new model for claims processing driven by medical data integration: “Express Claims.” By leveraging internet technologies, this service enables synchronized data exchange between medical and cost information, the Ping An Pension & Insurance mobile app, and the claims adjudication system. This eliminates the need for traditional paper documents such as medical records, invoices, and claim application forms, facilitating electronic claim submission and review. Integrated with Ping An’s efficient payment system, it enables real-time transfer of claim payments, ushering in the “second-era” of commercial insurance claims. By providing ultra-fast claims services, it enhances customer experience while fundamentally mitigating the risk of fraudulent claims. The Express Claims service not only offers customers the most convenient claims experience but also embodies internet-centric design principles, meeting contemporary demands for green, eco-friendly, rapid, efficient, and accurate services.
“We aim to leverage internet and mobile technologies to provide people with higher-quality medical services and healthcare experiences,” said Ni Jianwen, General Manager of Ping An Health Cloud, at the press conference. “We have integrated commercial health insurance, connected with basic medical insurance, and linked with hospitals to enable payment and reimbursement across all medical scenarios. This allows for fast and accurate multi-party settlement involving basic medical insurance, commercial insurance, and out-of-pocket payments, so users only need to pay their out-of-pocket portion while other expenses are automatically covered. Meanwhile, we offer a variety of medical consumer finance products and services, alleviating many of the financial concerns ordinary people face when seeking medical care.”
It is reported that Ping An’s “Hospital One-Account Pass” is an online medical service platform launched by Ping An Health Cloud. As another healthcare technology initiative introduced by the Ping An Group, following Ping An Good Doctor and Wanjia Medical, Ping An Health Cloud focuses on healthcare institutions and commercial insurance.Integrate all healthcare scenarios to build the safest, most intelligent, and most vibrant “Internet + Healthcare” service platform. Provide diverse services for users, medical institutions, and payers; streamline hospital processes through technological means; and enhance hospital services with comprehensive financial solutions, thereby better helping patients address the two major pain points in the healthcare journey: time and cost.。
(Ping An Hospital One-Account Pass Launch Event)
Ping An Health Cloud and Wuhan Molian Co., Ltd. joined forces to successfully test the integration with the “Hospital One-Account Pass” platform at Wuhan Central Hospital on July 15. This achievement connects all stages from registration, appointment scheduling, and report inquiries to payment, realizing the integration of end-to-end services. Meanwhile, it has opened commercial insurance settlement channels and incorporated financial derivative service development, innovative internet hospital services, and other offerings.
In the future, through collaborations with numerous renowned hospitals and leading manufacturers in China, we will achieve comprehensive coverage of healthcare institution services and open sharing of cloud-based data. Ultimately, this will provide high-quality, efficient, and intelligent medical and financial services to healthcare providers, insurance payers, and product users, establishing a new normal for one-stop internet healthcare and commercial insurance.