Recently, Sunshine Insurance and Zhongan Insurance announced that they have cooperated with other institutions in order to seek a layout in the medical field. In addition, a number of agencies have begun to promote "insurance + medical" work. From the perspective of industry structure, "two-way cooperation" is evolving into a normal state of development.
According to industry insiders, the prospect of insurance funds entering the medical and health industry is worth looking forward to in terms of market capacity, development space, and the degree of interaction between industry boundaries. In the future, resource integration in the two industries will not be limited to the provision of insurance products and pure equity acquisitions, and diversified resource integration is expected to emerge. Judging from the current project cooperation situation, the attitude of insurance funds to the medical industry is still cautiously optimistic. The project's rating and cash flow requirements are relatively high, and cooperation needs to meet various conditions before it can be achieved.
"Insurance + medical" new branch
On March 24th, Sunshine Insurance Group announced that it will cooperate with Ames Market Research Consulting (Shanghai) Co., Ltd. in the medical and health industry information and technical support, disease management and education consulting services to accelerate the core of the former. Strategic construction, build a “big health ecosystem†centered on medical services, aged care, health management, and health insurance. Zhongan Insurance also announced that it will provide a series of guarantee services such as medical insurance for an online medical treatment APP platform that provides the first electronic prescription in China, and provide customized skin health treatment solutions for individuals.
In fact, in the past two years, the insurance industry has continued to accelerate the integration of medical resources. According to public information, many insurance companies such as Ping An, Taikang Life Insurance, Sino-British Life Insurance, China Life Insurance, and PICC Health Insurance have shown their enthusiasm for the medical industry. Some companies have also indicated that they will carry out corresponding strategic layout.
For example, Ping An of China proposed the “Wanjia Clinic†plan; China Life’s development strategy of “big capital management, big health, and great pension†set out to create a healthy layout of “insurance + hospital†and to develop the upstream and downstream industries of the big health industry. Chain; PICC Health Insurance set out to build a health management company.
The person in charge of Sunshine Insurance said that the China Insurance Regulatory Commission allowed the use of insurance funds as the leading factor and set up private equity investment funds to invest in the medical and health industry, which will completely change the situation that the insurance companies can only passively participate, which is a natural extension of the insurance industry chain. By setting up a private equity investment fund, on the one hand, it can fully exploit market opportunities and obtain investment income through more active investment management. On the other hand, it can also promote the insurance companies to realize their own development strategies and form industrial synergies. effect.
"Two-way cooperation" becomes the norm
Analysts believe that the insurance company's life insurance business has close ties with medical institutions. The two can carry out multi-faceted business cooperation in the industry chain, and the ability to exchange resources and management experience, and to use the medical institutions to generate cash flow is also insurance. Institutional investment opportunities have become a new point of profit growth for both.
Medical institutions are equally interested in working with insurance companies. The relevant person in charge of Beijing Anzhen Hospital said that the hospital has cooperated with Taikang Life Insurance to try to develop insurance products related to chronic disease management. Relevant persons from the China-Japan Friendship Hospital said that the hospital has set up a special commercial insurance department with a dedicated team to connect with various departments and insurance institutions within the hospital, and plans to cooperate with insurance companies to develop corresponding insurance products.
The relevant person in charge of the APP platform that cooperated with Zhongan Insurance stated that the insurance company has technical resources and product research and development capabilities. In terms of technology, the APP platform is connected with Zhongan Insurance, which can quickly respond to the needs of the platform and escort the rapid development of the platform business. Zhongan Insurance plans to use this as an entrance to provide full-process guarantee services for O2O medical ecology consultation, prescription, drug distribution, treatment and other aspects, and to meet the new needs derived from each link.
People in insurance companies believe that at present, the trend of cross-border cooperation and multi-level differentiation between the insurance industry and the medical industry has emerged. As the relevant policies become more and more inclined to the old-age industry, the involvement of the medical industry can be used as an insurance company's investment in the pension industry. Cooperation with the hospital is also one of the key points of the insurance company. In the future, resource integration in the two industries will not be limited to the provision of insurance products and pure equity acquisitions, and diversified resource integration is expected to emerge.
Insurance "take" caution
A fund agency official said that since the China Insurance Regulatory Commission issued relevant policies to encourage insurance funds to invest in private equity funds, some insurance companies have shown great interest in growth industries including medical care. In the future, insurance funds are expected to receive good investment income by selecting high-quality medical-related fund products. The successful operation of the Sunshine Convergence Medical Health Industry Growth Fund has also accumulated some experience for the investment medical industry .
According to public information, in 2015, there were 19 incidents in which insurance funds were invested through the acquisition of equity. The acquisition targets were mainly concentrated in financial institutions, medical and health industry enterprises, and large foreign-funded companies. In 2015, among the PE projects in which insurance funds were invested, the Health Care Industry Fund was one of the targets.
A securities brokerage person told the China Securities Journal that the equity investment hospital and the participating medical industry fund will release a certain investment space for insurance funds in the future. From the current situation of project cooperation, the attitude of insurance funds to the medical industry is still cautiously optimistic, and the project's rating and cash flow requirements are relatively high.
Another expert said that insurance companies are marching into the medical industry. The main target group is the elderly. However, considering that most insurance companies are still in the stage of prudent research in the investment of the elderly, the overall effect of the insurance industry in investing in the medical industry still needs to go through a long period of time. Time can be reflected.
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