Core Viewpoint - The establishment of a one-stop settlement service platform for commercial health insurance in Liaoning Province significantly enhances the efficiency of medical service and insurance claims, benefiting nearly one million patients [1] Group 1: Platform Development - Over 50 medical institutions and 20 insurance companies have connected to the one-stop settlement service platform, covering all nine prefecture-level cities in Liaoning Province [1] - The platform was initiated in 2016 with the development of a provincial-level "Medical Commercial Insurance Settlement System" [1] Group 2: Service Improvement - The average claim processing time has been reduced from 10-15 days to under 24 hours, with some transactions allowing for real-time settlement at the service window [1] - The platform facilitates a seamless data sharing mechanism between medical and insurance information systems, allowing for simultaneous settlement of medical insurance, critical illness insurance, and commercial insurance upon patient discharge [1] Group 3: Patient Experience - Patients can initiate claims through the "Liao Health Liao Medical" mini-program or online channels of partner hospitals and insurance companies, achieving "settlement upon discharge" and alleviating the financial burden of medical expenses [1]

Core Insights - Ant Group and China Pacific Insurance signed a strategic cooperation agreement to enhance health management services and innovate product technology, aiming to build a multi-tiered medical security system [1] - The launch of new products like "Tai Xiang Bao·No Health Declaration Medical Insurance" will provide users with a seamless experience for direct claims through Alipay's commercial insurance code [1] - The integration of health insurance services with Alipay aims to simplify the claims process, making it as easy as using the medical insurance code for payments [1][2] Group 1 - Ant Group and China Pacific Insurance will create a "Commercial Insurance Code·Pacific Insurance Service Zone" to offer innovative health management services [1] - The new products will expand the insured population and treatment options, enhancing the value and convenience of supplementary medical insurance [1] - Ant Group plans to explore innovative applications of medical insurance in various scenarios, collaborating with government and insurance partners to improve user experience [1] Group 2 - The "Medical Insurance + Commercial Insurance" clearing and settlement center, supported by Ant Group, was launched nationwide, with a pilot at Peking Union Medical College Hospital [2] - This initiative allows users to first use the medical insurance code for basic reimbursement and then the commercial insurance code for remaining payments, streamlining the payment process [2]