Taixin enjoy · E tooth Kang is fully online (Source: Enterprise for the picture) In June this year, Taikang announced a formal strategic investment in Baibo Oral of RMB 2.062 billion. The investment in Taikang is a major combination of the insurance industry and the oral medical industry . The two parties have a natural synergy in capital, products and customers. On November 16th, it was learned that the first Taikang Baibo dental exclusive dental insurance product, Taixinxiang·E-Jingkang, was fully launched, marking the official landing of the “ Medical + Insurance Payment + Service†strategy of Taikang Baibo. Children who purchase this product can enjoy oral examination 1 time, full mouth fluoride 1 time, pit and groove closure 2, and enjoy 3,000 yuan accidental dental insurance protection, discounts can be enjoyed beyond the limit. Children's molars can effectively prevent dental caries by performing pit and fissure closure. It is cost-effective and sells only 198 yuan. It is an insurance product for oral health care for school-age children. At the same time, there is no need for underwriting when purchasing this product, and there is no need to pay for health care treatment, and it is convenient and quick to pay directly. Children's caries situation is on the rise Every child's growth requires a large amount of nutrients. Oral chewing is the first step in taking nutrition. Therefore, oral health is closely related to growth and development and general health. At the same time, beautiful teeth are an important part of appearance, confident. Smiles are a lifetime of wealth, so children's oral health issues are increasingly valued by society and families. According to the fourth national oral flow data released shortly, the prevalence rate of permanent teeth in 12-year-old children was 34.5%, which was 7.8 percentage points higher than that of a decade ago. The prevalence rate of 5-year-old children's deciduous teeth was 70.9%. , an increase of 5.8 percentage points from a decade ago. The situation of children suffering from paralysis has shown an upward trend. The country has listed oral health as an important part of healthy China's construction, focusing on key populations, adhering to prevention and combining prevention and treatment. Through “small hand and big handâ€, kindergarten children and primary school students are encouraged to bring oral health knowledge and information home, forming a good atmosphere for children to drive their parents to love their teeth. The launch of Taikang Baibo Oral Heart and E-Eco Kang's dental insurance products is precisely to hope that through a child, radiating a family, the whole family will form a good habit of loving teeth and gradually awaken the people's oral health awareness. . Create a "payment + service" closed loop "From the current point of view, China's oral market is a 'silent' market," said Zhu Zhenghong, vice president of Taikang Health Industry Investment Holdings and CEO of Taikang Baibo Dental Medical Group. Moreover, domestic dental insurance products are lacking and serving. Relatively fragmented, dental preventive treatment, basic treatment, complex treatment, oral health management need to be met. The "silence" of China's oral health market has a certain relationship with the absence of insurance. Most of the medical expenses of the dental department are not covered by the basic medical insurance. From an international perspective, commercial insurance bears the main oral medical insurance. For example, in the United States in 2015, the total cost of oral cavity was 110 billion US dollars, accounting for 4.5% of medical expenditure. From the perspective of payment system, basic medical insurance accounted for 10%, and commercial insurance accounted for 45-50%. Since June this year, Taikang strategically invested in Baibo Dental, and the new oral business format of “Medical + Insurance Payment + Service†was officially launched. By purchasing Taikang Dental Insurance, customers only need to enjoy different oral medical services according to the different insurance plans of the insurance they purchase. Other expenses are borne by the insurance company, and the integrated payment and service system is realized to create commercial insurance and stomatological medical care. Combined closed loop. “Why should we build this closed loop? We are not building a moat. We want to reduce costs and allow our customers to buy better and more affordable products and services,†said Chen Dongsheng, chairman and CEO of Taikang Insurance Group. In the US Caesar model, Caesar Medical Group will reduce medical insurance, hospitals and doctors by nearly 20%. “Let the 'Caesar model' land in China. Therefore, Taikang will connect Taikang Baibo's oral and oral insurance to greatly facilitate customers and reduce costs. This is the core.†Chen Dongsheng gave a hope for the future. Dental insurance products are on the line, providing quality oral medical services The combination of Taikang and Baibo is a combination of system and network. Taikang is committed to providing comprehensive health and wealth management and services for the growing middle class and families. Taikang Baibo Dental is an important part of the Taikang medical business segment. . “Taikang integrates high-quality medical resources to meet the personalized and multi-level medical security needs of customers, and payment + services will have an important impact on customers' lifestyle and oral consumption.†Taikang Insurance Group Vice President, Taikang Jiantou Chief Executive Officer, Taikang Baibo Dental Chairman Liu Tingjun said. After 25 years of development, Taikang Baibo Dental has more than 200 dental hospitals and clinics in more than 50 cities across the country, with consistency in price, quality, service and treatment processes. After the strategic investment, Taikang Baibo Oral ushered in a new round of brand upgrade, and the four dimensions of quality, experts, service and insurance payment were comprehensively upgraded. Through the chain operation, Taikang Baibo Dental enables experienced experts to cover the clinics with technology and knowledge, and utilizes the application of information technology in the chain network to realize the electronicization of the entire process and the cloud of information, bringing quality to customers. Oral medical services. It is reported that in addition to this children's dental insurance products, there are five other products that will be launched in the near future. In the future, Taikang will gradually improve dental insurance products from the following three categories: First, preventive dental insurance, such as long-term oral health insurance products for children and adults; The second is comprehensive treatment insurance covering personal insurance and group insurance for oral disease treatment; The third is dental insurance for high-end customers, including dental implants, orthodontics and other special content. Chen Dongsheng, Chairman and CEO of Taikang Insurance Group, said that Taikang has always adapted to the development trend of the times and the actual needs of the people, and combined virtual insurance with physical medical care to build a large health industry ecosystem.
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