International Rare Disease Day: "Han YouBao" was born again, and the new era of rare disease commercial protection was born

On the occasion of the 15th International Rare Disease Day on February 28, 2022, many leading enterprises and experts in insurance, medical treatment and science and technology held the "Seminar on the Value and Practice of Commercial Insurance in the Field of Rare Diseases" in Beijing, and jointly launched the exclusive insurance for rare diseases by China Property and Casualty Reinsurance Co., Ltd., Chinese Minmin Property Insurance Co., Ltd., Guoren Property Insurance Co., Ltd., Children's Hospital Affiliated to the Capital Institute of Pediatrics and Da Yiyuan (Beijing) Health Technology Co., Ltd. The women's and children's insurance of Hanyou Bao's has entered a new era in which commercial health insurance covers rare disease groups from 0 to 1.

(From left to right: Shen Honggang, General Manager of Guoren Caibei Branch, Liu Reunion, Deputy General Manager of PICC Caibei Branch, Fang Jing, General Manager of Zhongcai Re-Lin branch Business Department, Gu Qinglong, Medical Dean of Capital Children's Research Institute, Qian Zhaofei, CEO of Taiyi's Original Health Technology Co-creation)

The 'Hanyoubao' series of insurance products is jointly initiated and designed by China Property & Casualty Reinsurance Co., Ltd. and Dayi Zhiyuan (Beijing) Health Technology Co., Ltd. As the only designated reinsurer of this series of insurance products, Mr. Fang Jing, General Manager of zhongcai zailin branch business department, said: "The 'Hanyou Bao's Maternity and Child Insurance' jointly developed by Zhongcai Re, PICC Property & Casualty Insurance and Guoren Property & Casualty Insurance is the first product of the Hanyou Bao series, and the risk protection mainly covers pregnant women and newborns. From the perspective of rare disease insurance in China, the product is the first rare disease exclusive insurance in China, the first domestic pregnant woman and newborn rare disease exclusive insurance, and the first rare disease and the most disease coverage in China. Through this product, we sincerely look forward to providing a healthy protection for expectant mothers and babies. ”

The Children's Hospital Affiliated to the Capital Institute of Pediatrics is one of the medical institutions for the centralized treatment of rare diseases in children. Gu Qinglong, vice president in charge of medical treatment, said: The health management service model of the insurance belt management is in line with the concept of big health management, responds to the national health outline in 2030, and can help medical institutions to get healthy development at a smaller cost through early detection, early intervention and early treatment. As the report shows, the average annual expenditure of 67,000 patient families means that behind it is a tragic story of families who are poor due to illness. He stressed that the purpose of buying insurance is not to get more claims, but to get more health. Insurance companies and health management services help expectant mothers detect risks as early as possible during pregnancy, and through effective medical intervention, they can live healthier lives, at less cost and more protection. This is the original intention and mission of the hospital as a whole, not just to study the treatment and complications of seriously ill children. The hospital is willing to carry out exploratory and packaged cooperation in this regard, and cooperate with insurance, health management, AI, pharmaceutical factories and other parties, taking children with rare diseases as the starting point, not forgetting the original intention, safeguarding the interests of patients and children, and allowing children to get better and healthy development.

As the claim settlement and health management service provider of 'Hanyoubao', Dayizhiyuan (Beijing) Health Technology participated in the incubation of the product throughout the process. As the link between insurance, medical treatment and technology, Mr. Qian Zhaofei, the former CEO of Da Yi, gave a report on the "Status Quo of Rare Diseases and Product Exploration Practice". The content shows that the original of the doctor will work with the head medical institutions and many partners, such as genes, charitable funds, drugs, instruments, rehabilitation products, etc., to provide the whole life cycle, multidisciplinary, digital, and housekeeper-style health management services with risk management for children with rare diseases, and provide scientific research support for hospitals and experts through AI big data.

As the angel investor of the original doctor, Li Zheng, president of the Beijing Shouke Medical Interdisciplinary Research Institute, has been full of initial intentions since he served as the general manager of Baidu Medical Division, always adhering to the concept of highly combining the Internet and medical treatment and developing in a healthy mode, and also sharing why he chose to invest in the field of the original and rare diseases of the doctor. He said that the number of 20 million people is not a minority, and the lack of medical treatment, less medicine, and fewer patients are all the same in the world. There may be fewer than a few dozen specialists for each rare disease, and the fewer patients, such as 120,000 Du's muscle patients, are also scattered in counties across the country, and only through the Internet and insurance means to gather patients. In the relationship between medicine, medicine and insurance, the stronger the commercial insurance, the more it can support patients, thus giving birth to the supply of medicine.

Director Qu Dong, director of the Intensive Care Department of the Capital Institute of Pediatric Research, once led a team to rescue abandoned babies with rare diseases, which is a sad story, but it is also touching. After seeing the baby grow up healthily, the father finally came to the hospital to get the child back. At the meeting, she emphasized the significance of promoting screening with insurance, believing that early detection has a better chance of radical treatment for babies, and believes that the vast majority of diseases are adult treatment plans and drugs, adapted to children, but in the field of rare diseases, there is an opportunity to start from children and feedback to adults. While affirming the protection of newborns by 'HanyouBao', she also put forward the protection needs of sick children to commercial insurance companies, and proposed whether genetic screening should be included in insurance, which is one of the important directions for 'Hanyoubao' to explore the landing in the next step.

Peng Xiaoyin, deputy director of the Department of Neurology of the Capital Institute of Pediatrics, was very pleased to express that 'Han Youbao' has been included in most of the rare diseases in the neurological field. She believes that it is of great significance to promote screening in hospitals so that children can be treated before clinical manifestations, and have the opportunity to greatly improve the development of the baby's intelligence and mobility. Especially in children with patients like SMA, many of them have the potential of a genius like Hawking, and once the treatment is successful, it may bring great contributions to the country and society.

Director Cao Ling, director of the Respiratory Department of the Capital Institute of Pediatric Research, affirmed the value of 'Han Youbao', as the first batch of national head hospitals in the field of designated rare diseases in insurance, patients can avoid indiscriminate medical treatment, waste of valuable medical treatment window time. Especially for children with rare diseases in respiratory medicine, transfer is often difficult and life-threatening. But also expressed some regrets, this rare disease protection disease, there are not too many respiratory diseases, it is recommended that the lung cystic fibrosis and other diseases are also included in the follow-up protection list.

In the summary statement of the meeting, Yao Yuan, deputy director of the Hospital Management Research Institute of the PLA General Hospital, said: 301 Hospital has always been the backbone of the Rare Disease Alliance, and 10 experts have entered the Alliance, and rare diseases are also areas of great concern to the hospital. It is more emphasized that rare diseases are not a one-day disease, and the intervention of commercial insurance will be a major boost to continuous attention and treatment. At the same time, under the national multiple-child policy, the insurance belt management service of 'Hanyou Bao' will become an important guarantee. As the second most risk area of obstetrics and gynecology in hospitals, disease education is a very important area.

Mr. Huang Zhe, the head of value and access of Bojian Biotechnology (Shanghai) Co., Ltd., who personally participated in the negotiation of the "soul" of medical insurance rare diseases, shared the pain points that still exist in the payment of drugs for children of SMA patients, that is, after a certain proportion of medical insurance reimbursement, the remaining self-payment part will still make some patient families prohibitive in drug selection, so they look forward to the development of more drug protection clauses in the follow-up of 'Hanyoubao'.

Ms. Shi Run, the person in charge of Yijian Insurance of the Business Department of Zhongcai Re-advent, said in response to the various questions and suggestions of hospital directors on commercial insurance: Rare diseases, as more than 80% of genetic diseases, are easy to trigger risk adverse selection. Although the prevalence of rare diseases is not high, it is a collection of many diseases, and the overall prevalence is not low, so the exploration practice is cross-era. Combined with expert opinions, it is also proposed that the 'Hanyoubao' series will explore more product forms such as drug payment for children and adolescents in the future, so as to advance the awareness of patient prevention and control, so as to benefit the country and the people.

Ms. Wang Hui, Vice President and Secretary-General of Beijing Wellcome Charity Foundation, which was founded on the initiative of China Maternal and Child Health Association, said: The Foundation has always regarded the prevention and treatment of rare diseases and birth defects as one of the key points of the project. Taking SMA (spinal muscular atrophy) as an example, a series of public welfare projects have been planned and implemented so far around patient care, policy appeals, and doctor training. It has also played a certain role in promoting the smooth entry of SMA treatment drugs into the medical insurance list and finally achieving price reduction adjustment. However, at present, only through a single fundraising to do targeted disease relief, but also feel a cup of water. She said that on the International Rare Disease Day, she was deeply touched and saw hope to see so many companies and elites in related fields gathered together to pay attention to the medical assistance of rare diseases and birth defect groups. To this end, on behalf of the foundation, he also solemnly stated that he will spare no effort to promote the rescue of rare diseases and birth defect groups, and practice the glorious mission of the foundation to maintain women and children and join hands with anwell. It will also discuss in depth with the service providers of 'HanyouBao' on the fields of obstetrics and gynecology, maternal and childbirth in hospitals, from education to rescue and other public welfare cooperation.

Ms. Sheng Min, deputy general manager of Beijing Kaiang Medical Diagnostic Technology Co., Ltd., said: As a genetic testing company covering more than 400 hospitals in 18 provinces, it hopes that through in-depth cooperation with 'Hanyoubao' and service providers, genetic testing will be carried out early to pregnancy or even pregnancy, so as to bring help to potential patient families.

As tsinghua venture capital incubator, the first enterprise in the domestic market of brain pacemakers, and the only enterprise in the world with a complete line of four neuromodulation product lines, Mr. Jia Min, deputy general manager of Beijing Pinchi Medical Equipment Co., Ltd., said that with its world's first registration certificate for epilepsy treatment for children aged 3 to 6 years old, it can play an important role in the epilepsy complications of children with rare diseases and support more exploration of neuromodulation therapy in the field of rare diseases.

Mr. Zhang Huai, who attended the seminar on behalf of the Institute of Artificial Intelligence of Tsinghua University led by Academician Zhang Cymbal, said that he and the 'HanyouBao' service provider Da Yizhiyuan have launched cooperation in many aspects such as informatization, digitalization, intelligence, process standardization, and privacy protection in the field of rare diseases. It will also give full play to the technical advantages of Tsinghua artificial intelligence in terms of insurance type determination, insurance actuarial calculation, patient portrait, risk detection and other aspects, and apply mature technical means to the field of rare diseases.

Mr. Qiao Shuo, general manager of Beijing Renzheng Medical Virtue Technology Co., Ltd., also said at the meeting: Rare diseases have patient dispersion and information extreme asymmetry, and Internet telemedicine services will play a multiplier role with half the effort. Renzheng Medical Virtue and its Hong Kong-listed parent company CIIC Global will carry out strategic cooperation with Daiichi Nohara to integrate CIIC's rich high-end medical resources in the world to provide services for children with rare diseases and cutting-edge rehabilitation products in China.

As the first step taken by commercial insurance for the protection of rare disease patients, the advent of 'HanyouBao' involves policy, medical treatment, insurance, service, science and technology, pharmaceutical equipment, public welfare and other parties, and is an important promotion and practice to deepen the implementation of rare disease-related policies in the 14th Five-Year Plan. In the future, we will work together to explore a comprehensive comprehensive protection model for children's rare diseases, realize closed-loop services and cooperation from insurance to medical treatment, and truly make the families of rare disease patients no longer lonely.