住院先垫付、再报销的理赔模式或将成为"过去式"。记者从深圳保险行业获悉，近日深圳南山区通过公 共数据"搭桥"，联合多方推出了专为商业保险理赔设计的双快捷通道——"商保直付"和"商保快赔"。 腾讯微保方面称，拥有微医保·百万医疗险(普惠版)在保保单的市民若在以上医院接受住院治疗，出院结 算时即可享受门诊及住院医疗费用的"商保＋医保"一站式结算，未来将逐步扩展至更多保险渠道和产 品。 该服务由深圳市南山区政务服务和数据管理局、南山区卫生健康局联合南山区属公立医院、南山区医疗 集团总部、南山区公共数据授权运营单位、深圳数据交易所、微信支付、腾讯微保等多家单位和机构共 同推动落地，多方联动推进"商保+医保"一站式结算，实现"数据多跑路，群众少跑腿"，让医疗数据和 保险理赔的链路有了"绿色通道"。 何谓"商保直付"？相关部门人士介绍，作为区域性跨平台数据互通共享的探路，医院数据在全程加密、 脱敏及合规操作下，通过安全平台流动到保险公司，在保护用户隐私的前提下，支持保险公司快速获取 理赔所需信息。同时，所有医疗数据的使用都须经过用户本人授权。 目前，"商保直付"快捷通道首批覆盖4家区属公立医院，包括深圳市南山区人民医院、 ...

深圳落地首个"商保直付"快捷通道 中新网深圳10月24日电 (记者 郭军)深圳市南山区通过公共数据"搭桥"，联合多方推出的专为商业保险 理赔设计的快捷通道——"商保直付"功能目前已上线。这也是深圳市落地的首个"商保直付"快捷通道 。 据悉，该快捷通道首批覆盖深圳市南山区4家公立医院，分别为：深圳市南山区人民医院、深圳市南山 区妇幼保健院、深圳市前海蛇口自贸区医院、南方科技大学医院。 用户在上述4家指定公立医院住院就医后，在出院结算时若使用微信支付费用，即可选择授权"商保直 付"快捷通道，享受医保和商业保险实时同步结算服务，节省理赔时间。 据悉，该服务由深圳市南山区政务服务和数据管理局、南山区卫生健康局联合南山区属公立医院、南山 区医疗集团总部、南山区公共数据授权运营单位、深圳数据交易所、微信支付、腾讯微保等多家单位和 机构共同推动落地，通过多方合力实现"数据多跑路，群众少跑腿"，让理赔流程更快捷、更方便。 目前，"商保直付"快捷通道支持腾讯微保联合泰康在线推出的"微医保·百万医疗险(普惠版)"商业医疗险 产品理赔，未来将逐步扩展至更多保险渠道和产品。 "商保直付"快捷通道的打通，是区域性跨平台数据互通和共享的 ...

Core Viewpoint - The demand for commercial health insurance products is increasing as technology transforms the healthcare ecosystem, with users expecting comprehensive coverage that includes advanced medical resources and reimbursement for imported and specialty drugs purchased outside hospitals [1] Group 1: Product Upgrades - Tencent Weibo has partnered with Taikang Online and Samsung Insurance to upgrade the "Weibo Medical Insurance" series, adding coverage for outpatient drugs and medical devices, and expanding private hospital services [1][2] - The "Weibo Medical Insurance" series includes various products such as the Million Medical Insurance and Children's Million Medical Insurance, all of which now offer outpatient drug and device coverage, providing users with more flexible and comprehensive options [2][4] - The Million Medical Insurance covers 120 high-incidence diseases, including advanced treatment technologies and specialty drugs without a list limitation, and now includes reimbursement for outpatient purchased drugs and medical devices [4] Group 2: Targeted Offerings - The Children's Million Medical Insurance offers specific outpatient responsibilities and does not set a deductible, enhancing user experience, and includes family insurance discounts for multi-child families [4][5] - The High-End Million Medical Insurance and the Universal Million Medical Insurance have also been upgraded to meet the needs of high-net-worth individuals and provide cost-effective options for the general public [5] Group 3: Claims and User Experience - The "Weibo Medical Insurance" series has integrated the "WeChat Quick Claims" service, allowing users to initiate claims directly through the payment interface, transforming the claims process from passive to proactive [6][8] - The "Weibo Anxin Claims" service offers a range of value-added services, including video consultations and professional accompaniment during hospital visits, with a high user satisfaction rate [8] - As of April 30, 2025, the "Weibo Anxin Claims" service has assisted users in claiming over 6.8 billion, with a satisfaction rate exceeding 97% [8]