Core Insights - The integration of national medical insurance data with commercial health insurance is expected to enhance the design of more precise and inclusive insurance products for patients with pre-existing conditions [5][6][14] - The launch of the first national "Medical Insurance + Commercial Insurance" clearing and settlement center in Beijing signifies the removal of barriers between national medical insurance data and commercial health insurance, allowing for one-stop settlement for patients seeking medical care across provinces [2][3] Group 1: Beijing Model and Its Features - The "Beijing Model" allows for synchronous settlement that covers patients seeking medical care across provinces, with no need for hospitals to modify their information systems, facilitating easier implementation [3][12] - The model leverages authorized access to medical insurance data, enhancing the attractiveness for insurance companies and potentially resolving issues related to quick claims and direct payments for patients [3][12][14] Group 2: Current Developments and Challenges - Several provinces have initiated provincial-level coordination for employee and resident medical insurance, but many commercial insurance products remain limited to local government guidance, leaving cross-province patients underserved [4][11] - The "Beijing Model" is distinct from other regions, as it integrates a higher level of medical insurance data openness, which is crucial for the development of commercial insurance products that cater to patients with pre-existing conditions [3][4] Group 3: Innovations in Claims Processing - The clearing center supports innovations such as "fast claims," where patients can authorize their insurance company to automatically retrieve encrypted medical insurance settlement data, significantly reducing the waiting period for claims [10][11] - The introduction of "commercial insurance codes" allows for real-time payment during hospital visits, enhancing the patient experience and increasing the accessibility of insurance products [8][10] Group 4: Hospital Perspectives - Hospitals may not directly benefit from the one-stop settlement model, but it is expected to improve patient experience by providing timely claims similar to basic medical insurance [12][13] - Concerns exist regarding the potential impact on hospital operations, as they may face requests for documentation or explanations related to commercial insurance claims, which could disrupt normal business activities [12][14]