Core Insights - The launch of the first national "Medical Insurance + Commercial Insurance" clearing and settlement center marks a significant shift in the payment landscape, allowing seamless integration between medical insurance and commercial insurance, reducing the burden on patients [1][2] - The integration of medical insurance and commercial insurance is entering a fast track, with various companies leveraging their strengths to innovate and enhance payment efficiency [2][4] Group 1: Policy and Technological Developments - The National Medical Insurance Administration has expressed a commitment to exploring the collaborative development of basic medical insurance and commercial medical insurance, with the recent establishment of the clearing center being a pilot project aimed at facilitating this integration [2] - Companies like Megxin Health have pioneered concepts such as "commercial insurance identity medical treatment," introducing platforms that allow for direct payment at public hospitals, enhancing user experience by enabling "pay after treatment" [2][4] Group 2: Innovations by Key Players - Alipay has introduced the "Commercial Insurance Code," which utilizes national medical insurance data to streamline the settlement process, significantly reducing the financial burden on patients [3][4] - Ping An Good Doctor has launched "Ping An Medical Payment," a product that leverages medical insurance data to achieve seamless and rapid claims processing, creating a closed-loop payment and service model [3][4] Group 3: Industry Transformation and Future Outlook - The integration of medical insurance and commercial insurance is redefining the concept of "innovative payment," enhancing payment efficiency and improving the quality of life for patients [5][6] - The shift from simple complementarity to a data and service ecosystem is driving competition in the health insurance sector, moving away from price wars to service-oriented competition [6][8] - The anticipated full implementation of the "Medical Insurance + Commercial Insurance" one-stop settlement model is projected to unlock a trillion-level health insurance market, fostering a new ecosystem of medical, insurance, and technology integration [7][8]

完成IPO前最后一轮融资后的估值为116.775亿元人民币。 本文为IPO早知道原创 作者｜ Stone Jin 微信公众号｜ipozaozhidao 据 IPO早知道消息， 上海镁信健康科技集团股份有限公司 （以下简称 " 镁信健康 "）于2025年6月30日正式向港交所递交招股说明书，拟主板挂牌上 市，高盛、中金公司和汇丰担任联席保荐人。 成立于 2017年的 镁信健康致力于解决患者、保司与药企面临的筹资与支付挑战，助力推动中国医疗支付体系变革。根据弗若斯特沙利文的资料，镁信 健康 现已成为 中国最大的医药多元支付平台 。 截至 2024年12月31日，镁信健康 基于自己的 解决方案累计为患者节省自付费用约 67亿元。 截至目前， 镁信健康 已 开发了两大行业解决方案： 其一、 智药解决方案 ： 为药企提供了药品全生命 周期 的商业化方案，帮助药企整合多元支付方 。 根据弗若斯特沙利文的资料，以 2024年GPV计算，镁信健康在中国创新药械解决方案提供商之中排名第一。 其二、 智保解决方案整合自有 AI技 术、更优质的医疗健康资源，为保司提供端到端方案，推动健康险创新。根据弗若斯特沙利文的资料，以2024 ...

镁信健康首席产品官龚巧表示，一码直付重新定义了支付的价值，将原本分散的非标的服务升级为标准 化、整合式、高效率的服务规范；升级后的一码直付是产业级革新方案，将支付从工具转型到智慧医疗 服务的连接器，构建先进医疗保障网，为广大用户打造更有温度、更智慧的健康服务生态，让先进医药 的价值最大化、健康可及最大化。 此外，平台引入了AI技术，上线了"既懂医药又懂保险"的超级对话框xiaofu，它可为用户提供药品查 询、疾病信息、支付方式、药品配送、保险条款解读、理赔流程指导等智能化服务，其搭载的 claimmaster智能体可实现保险理赔材料提交"自动化"、风险管控"智能化"、理赔计算"精准化"、支付结 算的"无感化"。 本报讯(记者金婉霞)5月20日，上海镁信健康科技集团股份有限公司(下称"镁信健康")宣布升级其一码直 付平台，通过完善就医用药服务、革新支付体验、加速AI部署应用，致力打造医药支付第一站。 针对商业健康险所存在的理赔效率低下、优质医疗资源错配、就医用药流程繁琐等痛点，2024年，镁信 健康上线了医药直付平台一码直付，实现门诊、住院、药房等多场景的商保直付，开启"商保支付刷 码"的新业态。资料显示，当前 ...