Virus Instant Vaccination Team Files IPO Prospectus for Novel Internet-Based Reinsurance Company Aimed at Universal Disease Prevention

A recent estimate by the Center for Healthcare Service Governance Research at Tsinghua University shows that China’s total health expenditure has been rising rapidly since the country entered an aging society, exhibiting an exponential growth trend. If left unchecked, China’s total health expenditure will surge from the current RMB 3 trillion to RMB 273 trillion by 2040, imposing an unsustainable burden on public finances, medical insurance funds, and individuals.

Tsinghua University’s projection indicates that a deficit in the basic medical insurance fund will emerge in 2024; when factors such as population aging and one-time lump-sum payments are taken into account, a gap between revenue and expenditure in the medical insurance fund is expected to appear in the near term. Achieving universal “disease prevention and epidemic control” is the optimal solution to curb the rapid growth of total healthcare expenditures.

“Instant Viral Vaccination” Emerges in Response to Demand:

The team has a dream: to equip every consumer with an IoT-enabled “Virus-Inactivating Air Purifier,” which also serves as a smart home micro-vaccine factory capable of instantly producing personalized vaccines. By invoking a computer program from the “Viral Hydroxyl Inactivation Database” and leveraging the Internet of Things, vaccines against constantly mutating viruses can be generated instantaneously, even from thousands of miles away. This enables consumers to prevent and control diseases without injections or medication.

As stated by the World Health Organization, 80% of human diseases are associated with water pollution and waterborne pathogenic microorganisms. Earlier statistics indicate that 10% to 15% of diseases are linked to air pollution and airborne pathogenic microorganisms. Currently, traditional approaches to combating viral pandemics require hospitalizing patients, identifying the viral strain, mass-producing vaccines in manufacturing facilities, obtaining regulatory approval following successful clinical trials, and distributing the vaccines via cold-chain logistics. This process takes at least six months, during which time the virus may undergo further mutation.

“In the world of martial arts, speed is the ultimate advantage.” The team’s patented invention can equip China’s mobile internet with new capabilities for disease prevention and epidemic control, potentially reducing the incidence of diseases among the Chinese population by 90%. Its unique ability to simultaneously generate multiple viral antigens against constantly mutating mixed viruses in air and water within just 20 milliseconds is unattainable through traditional vaccine manufacturing processes employed by pharmaceutical companies.
However, to realize the grand and complex systemic project of nationwide “disease prevention and epidemic control,” substantial and sustained investment of dedicated funds is essential, which also represents the most thorny economic challenge for national leaders worldwide. Through multiple scenario simulations, our team has found that only the “Internet + Reinsurance Company Model” can solve this global problem.

However, “reinsurance companies” are the scarcest of scarce resources and a cornerstone of national strategic infrastructure. Unless there are compelling reasons—specifically, issues bearing on the nation’s destiny and survival—the relevant regulatory authorities will not readily grant approval. The team’s proposed nationwide “disease prevention and epidemic control” initiative is formed by integrating four networks into one:

Level 1 Network: Wartime Biosafety Protection Network, capable of withstanding attacks by biological weapons deployed by the Japanese Imperial Army's Unit 731. During wartime, it operated under the command of the Central Military Commission.

Level 2 Network: Peacetime Biosafety and Anti-Terrorism Network, capable of defending against large-scale terrorist attacks involving the use of biological weapons by international terrorist organizations. It is under the command of the National Security Council during peacetime.

The third layer is the epidemic prevention network., capable of preventing and controlling the spread of domestic and international epidemics (including zoonotic diseases in the poultry and livestock industries), and guarding against the emergence in China of pandemics such as the 1918 Spanish flu, the 2003 SARS outbreak in China, and the 2015 MERS outbreak in South Korea. In the event of an epidemic, response efforts shall be directed by the Chinese Center for Disease Control and Prevention.

Level 4 Network: National Disease Prevention Network, because the "Virus-Inactivating Air Purifier" is itself an air purifier that employs opto-mechatronic integration combined with advanced oxidation technology. It can deeply oxidize more than 3,000 types of organic pollutants into carbon dioxide and newly formed water. It provides consumers with clean air without adding any chemicals and causes no secondary environmental pollution. Meanwhile, it can precisely inactivate unknown and constantly mutating viruses within 20 milliseconds and continuously convert them into viral antigens. These antigens rapidly enter the respiratory systems of uninfected users, inducing the immune system to produce protective antibodies, enhancing immunity, establishing an immune barrier, preventing the spread of respiratory infectious diseases, and reducing the disease incidence among the Chinese population. The daily management of the National Disease Prevention Network is guided by the National Health and Family Planning Commission.

Establishing the aforementioned “four-networks-in-one” nationwide “disease prevention and epidemic control” network would significantly enhance China’s soft power. This would require substantial and continuous special funding, which China’s current fiscal capacity cannot afford. Through simulation exercises, our team has identified a novel business model that requires no fiscal expenditure. Instead, it only necessitates that national regulatory authorities issue a reinsurance license to a newly established internet-based reinsurance company funded by private capital. By providing reinsurance to numerous medical insurance and life insurance companies, and simultaneously offering tailored, free “Internet+” disease prevention and epidemic control services to all policyholders enrolled in medical and life insurance schemes, this model can gradually curb the excessively rapid growth of China’s total healthcare expenditures.

By issuing a reinsurance license without any fiscal expenditure, China can achieve four objectives with one move: it would not only prevent a deficit in the basic medical insurance fund in 2024 but also avert the financial crisis triggered by the rapid growth of total healthcare expenditures to RMB 273 trillion by 2040. Why not do it?

Contributor: Lin Bin, Head of the Transient Viral Vaccination Team, currently in New York;

Virus Instant Vaccination Team Email: 13681448637@139.com

Beijing Contact Phone: 13693244097, Ms. Yu Xiaoduo, please relay to Lin Bin