Group 1 - Ant Group and China Pacific Insurance signed a strategic cooperation agreement to innovate services using Alipay's commercial insurance code, aiming to enhance the multi-tiered medical security system [1] - New products such as "Tai Xiang Bao·免健告医疗险" were launched, allowing users to experience direct compensation without upfront payments or complicated claims processes [1] - The aging population and increasing chronic diseases in China create a pressing need for innovative commercial insurance to fill gaps between basic medical insurance and traditional commercial insurance [1] Group 2 - The national push for orderly integration of commercial health insurance with basic medical insurance is accelerating, exemplified by the launch of the "医保+商保" clearing settlement center [2] - Over 1.2 billion users have activated the national medical insurance code, with over 700 million using it through Alipay, making it the largest third-party service platform for the National Medical Insurance Bureau [2] - The insurance industry is expected to leverage a one-stop platform to provide comprehensive health coverage through various resources, including government-supported health insurance and commercial health insurance [3]

Group 1 - Ant Group has signed a strategic cooperation agreement with China Pacific Insurance [1] - The new product "Tai Xiang Bao·Exempt Health Declaration Medical Insurance" was launched in collaboration with Ant Medical Health [1] - Users will benefit from direct compensation through Alipay's commercial insurance code, eliminating the need for upfront payments and material submissions [1] Group 2 - Ant Medical Health platform will provide a comprehensive range of health management services, including online consultations, online medication purchases, chronic disease management, and outpatient appointment assistance [1]

Core Points - The article discusses the launch of a new "medical insurance + commercial insurance" settlement center in Beijing, which allows for a seamless integration of basic medical insurance and commercial insurance payments through Alipay [1] - This initiative aims to address common pain points in the reimbursement process, such as excessive paperwork and long waiting times, by enabling instant settlement for patients [1] - The commercial health insurance sector plays a crucial role in providing a multi-tiered medical security system for residents, catering to diverse healthcare needs [1] Group 1 - The "medical insurance + commercial insurance" settlement center was officially launched on July 3, with support from the Beijing government, Beijing Jishu Bao Health Technology Co., and Ant Group [1] - The pilot program at Peking Union Medical College Hospital allows patients to complete reimbursement in under 30 seconds using Alipay, significantly reducing the economic burden of medical expenses [1] - The Alipay commercial insurance code, introduced in December, facilitates one-click payment for commercial insurance after using basic medical insurance, enhancing the reimbursement experience [1] Group 2 - Ant Group's Medical Health Division plans to deepen collaborations with insurance companies to optimize service experiences and expand the coverage of the commercial insurance code [2] - Currently, the Alipay commercial insurance code covers over 20 health insurance products from various companies, including Beijing Life, Great Wall Life, ZhongAn Online, and Taikang Online [2]

Core Insights - The "Medical Insurance + Commercial Insurance" clearing and settlement center has officially launched nationwide, with a pilot program at Peking Union Medical College Hospital enabling instant reimbursement services through Alipay [1][3] - The center aims to address common pain points in commercial health insurance, such as complex reimbursement processes and long wait times, by allowing patients to complete settlements without upfront payments [3][4] Group 1: Industry Impact - Commercial health insurance is a crucial component of a multi-tiered medical security system, addressing diverse healthcare needs of the public [3] - The launch of the clearing center represents a significant milestone in the development of China's multi-tiered medical security system [4] Group 2: Technological Innovation - The center utilizes Ant Group's secure data technology to enable efficient data flow while ensuring compliance and preventing data leakage [4] - The integration of national medical insurance data allows for precise allocation of responsibilities between medical insurance and commercial insurance, enhancing the reimbursement experience [3][4] Group 3: Future Developments - Ant Group plans to deepen collaborations with insurance companies to optimize service experiences, with the commercial insurance code expected to cover more insurers and products in the future [4] - Currently, the Alipay commercial insurance code has partnered with over 20 health insurance products from various companies, benefiting over ten million users [4]