According to Guo Nanyang, business leader of Shidi Good Medicine Payment, "Good Medicine Payment" is an innovative payment platform that actively cooperates with pharmaceutical companies, insurance organizations and pharmacies, connecting "medicine-insurance-patient", connecting commercial medical insurance, pharmaceutical companies, DTP pharmacies and patients. It connects commercial health insurance, pharmaceutical companies, DTP pharmacies and patients, and helps patients reduce their out-of-pocket expenses on medicines by enhancing the competitiveness and customer stickiness of pharmacy partners through commercial insurance, public welfare medication, drug insurance and innovative payment.
In March of this year, the "Opinions on Deepening the Reform of the Medical Security System" proposed to accelerate the completion of the multi-level medical security system system, and improve the supply of pharmaceutical services and medical security services are two major support systems. In recent years, the government has accelerated the entry of innovative medicines into the health insurance payment system through centralized band purchasing of medicines and medical consumables, reducing the price of medicines and alleviating the burden of the public on medical care. However, there are still a significant proportion of drugs not covered by health insurance, once the people encountered a serious illness, can only be all out-of-pocket expenses, especially some of the anti-cancer and rare disease drugs, the price is far beyond the range of an ordinary family can afford.
According to the results of the user survey conducted by Water Drop Medical Data Center, more than 90% of the patients indicated that it was difficult to afford the new and special drugs that are not covered by health insurance reimbursement, among which 46.2% of the patients thought the burden was too high, but did not reduce the dosage or stop using the drugs for the time being, and 44.6% of the patients reduced the dosage or stopped using the drugs because of their inability to afford the costs.
Shen Peng introduced, "good drug payment" focus on new special drugs, serious illness drugs and chronic drugs, because these types of drugs are relatively high prices, and many are not in the scope of reimbursement of medical insurance. According to the data, users in the Waterdrop ecosystem, whether they are fundraisers for major illnesses, users applying for mutual aid for major illnesses, or users claiming for commercial health insurance, all have a large demand for these types of drugs. On this basis, the Waterdrop Medical Data Center relies on a professional disease knowledge base, applies big data and machine learning and other technologies to process patients' disease information, and completes data quality inspection by medical professionals to realize in-depth data structuring, which has become one of the core competencies of Waterdrop to join the industry fusion by using medical big data and to open up the chain of "medical-pharmaceutical-insurance". The company's core competency is the ability to integrate medical big data into the industry and to bridge the chain of "medical, pharmaceutical and insurance".