从“海外医疗”到“跨境医疗支付”_大话讲天下
任何一件事情,只要心甘情愿,总是能够变得简单。
做最好的网站,大话讲天下

从“海外医疗”到“跨境医疗支付”

On July 25, 2019, guided by the China Society of Health Information and Medical Big Data, supported by the Huairou Economic and Credit Bureau, the Huairou Business Bureau and the Health and Health Commission, the "Yanqi Talk" GIIS 2019 4th China Health Industry Upgrading Summit was officially inaugurated.
 
自“雁栖健谈·医药创新产业沙龙”伊始,在众多的企业中,海医付脱颖而出,进入总决赛,并荣获“2019大健康创新项目路演卓越奖”。
本次峰会以“从‘规模’到‘价值’的医疗变革”为主题,采取领袖峰会+4场产业论坛+项目路演的形式,聚焦医药创新、医疗大数据、非公医疗、科技医疗四个主题,共话变革机遇,见证医疗产业从“规模”到“价值”的发展新纪元。
 
以下为海医付创始人,魏源先生的演讲内容。
愿与君享。
 

“这便是我们成立海医付的初衷。”

The idea of Haiyi Pay stems from the problems we have encountered in overseas medical projects over the past few years. We have been working in the overseas medical market for many years, focusing on assisted reproduction.其实呢,中国人出境就医有一个非常棘手的问题———大额境外医疗费用的支付问题。我们都知道,中国是外汇限制国家,大额的医疗账单通常都会超出5万人民币的外汇限额。 

“这是具里程碑意义的一步。”

为寻求解决方案,我们尝试从中国众多的金融机构那里找寻解决途径。最终,我们取得了中国银联的支持,并由中国银联将此需求上报至央行。经过多方的不懈努力,支付问题应得到支持和解决。这是具里程碑意义的一步,我们找到了合法的通道来解决中国人出境就医的支付问题,也得到了银联的支持。

"It not only solves the problem of Chinese patients'payment,也将解决国内上千家医疗中介服务机构和海外医院的支付困难。”

According to the current situation of overseas medical treatment in China, more than 80% of Chinese patients go abroad to seek medical treatment through intermediaries, and less than 20% of them go there by themselves. Based on this, the existence of Haiyifu has a greater mission and significance. It not only solves the problem of payment for patients in China, but also solves the payment difficulties of thousands of medical intermediaries in China. If we want to do a good job in solving the problem of overseas medical payment, we have solved the payment problem of patients and intermediaries. Next, we need to consider the pain points of overseas hospitals.患者在海外医院进行刷卡和消费,大额的支付账单除了要经历漫长的国内银行审核的过程,让海外医院更为难的是——无论是visa、万事达还是银联都会向医院方收取十分高昂的刷卡费用。我们做了调查,美国、日本、泰国等医院,刷卡费率高达3%。3%是什么概念呢?通常情况下,便利店的扫码支付或者刷卡支付费率只有3‰。 
Market Pain Points and Targets
Chinese patient: Whether domestic remittance or overseas credit card swiping, the current payment channels will take more than a week because the amount of medical bills exceeds the foreign exchange limit. Patients rush to domestic and foreign banks, endure complicated payment procedures, overseas medical payment process is long and difficult.海外医院:患者境外医院刷卡,院方要承担3%的刷卡费率。他们期待中国患者在国内通过汇款进行医疗账单的支付以降低服务成本。国内中介服务机构:机构把患者的医疗费用代收到法人名下,法人需要承担高达25%的个人所得税;收到公司名下,则又无法合理支出,同时也要承担企业所得税。在这之前机构大部分是通过地下钱庄支出,然而这个过程是极为不安全的,况且该通道的费率也高达3%~8%。海医付帮助机构降低税费的同时,提供合法的通道将医疗资金汇至海外医院。海医付(HaiyiPay)是国内首家专注于海外医疗支付的机构,目标成为“中国最大的海外医疗支付服务商”。

“海医付支付方案自2019年2月正式启动。”

海医付提出了解决方案,一种是通过海医付平台汇款,款项将完全通过银行的通道汇出,At the same time, it greatly reduces the rate problem caused by card swiping. Marine Medical Payment has obtained the exclusive authorization of China UnionPay and China Securities Federation Payment, which means that patients can pay by remittance in these two ways. The Marine Medical Payment Scheme has also been officially launched since February 2019。