Chunyu Doctor's O+O Hospital Model: An Integrated Online-Offline Healthcare Collaboration Approach

7. The Spring Rain O+O Hospital Model, characterized by online-offline collaboration rather than a patient-referral model. This approach optimizes the allocation of medical resources and fully mobilizes physicians’ enthusiasm. All medical services are intended to be covered by third-party payers; however, China’s situation is unique. Out-of-pocket payments account for 63% of healthcare expenditures, while health insurance coverage stands at only 3%. The lack of a transitional buffer provided by health insurance contributes to the perception of high medical costs.

8. The development of China's insurance industry has been suboptimal. Health insurance serves merely as a supplementary coverage, and the heterogeneity within health insurance makes it difficult to assess accurately through actuarial methods. As China's healthcare services are not effectively regulated, cost containment in health insurance is unfeasible. Furthermore, tertiary hospitals (Grade 3A) hold disproportionate market power, leaving insurance companies with little bargaining leverage. Currently, healthcare services across all tiers—high, medium, and low—are concentrated in these tertiary hospitals, rendering service delivery neither controllable nor optimizable.







11. What pharmaceutical services do users need? China’s business model has traditionally relied on “drug-markup-to-subsidize-medical-care,” shifting from traffic monetization to user-centric operations. It is essential to create user-oriented product usage scenarios, where product sales become one component of commercial services rather than the end goal. The focus should be on improving medication adherence rather than inducing consumption, and on establishing patient-centered pharmacoeconomic solutions.