打通数据孤岛，深圳首个“商保直付”快捷通道落地

Core Viewpoint - The introduction of "Commercial Insurance Direct Payment" and "Commercial Insurance Fast Claim" in Shenzhen marks a significant shift in the insurance claim process, moving away from the traditional reimbursement model to a more efficient, real-time settlement system [2][3][4]. Group 1: Commercial Insurance Direct Payment - "Commercial Insurance Direct Payment" is a new service designed to streamline the claims process by allowing hospitals to share encrypted and compliant medical data with insurance companies, enabling quick access to necessary information for claims [2][3]. - The service is currently available in four public hospitals in Nanshan District, allowing patients to use WeChat Pay for real-time synchronization of medical insurance and commercial insurance settlements [3]. - An example illustrates that a patient who previously had to pay out-of-pocket before claiming insurance can now have the insurance company directly cover the out-of-pocket expenses at the time of discharge, enhancing convenience [3]. Group 2: Commercial Insurance Fast Claim - "Commercial Insurance Fast Claim" is another initiative aimed at outpatient scenarios, allowing users to initiate claims directly after consenting to share their data, facilitating rapid and accurate compensation from insurance companies [4].