As an inclusive commercial health insurance, in recent years, Huimin Insurance has penetrated into 100 cities across the country with the advantages of low insurance threshold, high insurance amount and close price.
Nearly 4.9 million Hangzhou citizens insured the 2022 "Zhejiang Medical Insurance • West Lake Yilian Insurance", which has the characteristics of low premium, high insurance amount and high protection. Insured persons can receive up to a medical coverage of UP to $3.15 million. At the same time, it also enjoys the supplementary medical protection of major illness insurance, reasonable drugs outside the medical insurance list of hospitalization and outpatient medical insurance of prescribed diseases, material supplementary medical protection of specific tumors and innovative drugs for critical illness, and medical protection of consumables.
As an industry-leading innovative medical and health service platform, Magnesium Health provides all-round support for "West Lake YilianBao", including customized special drug services, helping West Lake Yilian Insurance to improve the special drug catalog, dynamically including specific tumor innovative drugs outside the medical insurance directory, and promoting West Lake Yilian Bao to enter the era of Huimin Bao 3.0.
At the end of February 2022, "West Lake Yilian Insurance" completed the first car-T therapy claim, since receiving the report from the insured user Mr. Yang, the Magnesium Health Claim Service Team tracked the status of the claim, responded quickly, assisted it to complete the claim work of CAR-T therapy, and obtained 100% of the special sum insured within 24 hours from the submission of paper claim materials.
Complete 100% of the first CAR-T therapy as quickly as possible
For Mr. Yang, who is still in his heart, he always thinks about the physical condition of his parents, especially his mother's condition. On an ordinary afternoon in May 2021, Mr. Yang accidentally noticed that the sides of his mother's neck were swollen, and he began to urge his mother to go to the hospital for examination.
The results of the examination were heartbreaking, and the team of Professor Qian Wenbin of the Department of Hematology of the Second Affiliated Hospital of Zhejiang University School of Medicine confirmed that it was diffuse large B-cell lymphoma, and after multiple rounds of chemotherapy with first- and second-line protocols, the disease was still poorly controlled.
Mr. Yang is very worried about the deterioration of his mother's condition, and he is also aware of the latest advances in the field of lymphoma treatment, and CAR-T cell therapy may give mothers hope of survival. Xiao Xibin, deputy director of the doctor in charge, said: "CAR-T cell therapy is a new type of precision immune targeted therapy, which brings revolutionary changes to the treatment of large B-cell lymphoma, relapsed or refractory large B-cell lymphoma conventional chemotherapy has poor efficacy, the median survival period is less than 1 year, the current application of CAR-T treatment of patients with complete remission rate can exceed 50%, there is hope for long-term survival, the current Zhejiang University Second Hospital Hematology DEPARTMENT CAR-T cell therapy center has successfully carried out this technology."
Last year, the domestic self-developed CAR-T therapy made a historic breakthrough. In September 2021, WuXi Junuo's CAR-T product, Ricky Ollense Injection (trade name: Benodaz), a CAR-T product targeted at CD19, was officially approved for the treatment of relapsed or refractory large B-cell lymphoma in adults after second-line or systemic treatment. The listing of this innovative drug has brought new hope to Mr. Yang's family.
But the arrival of happiness will not be smooth, and despite the hope of treatment, the problem of high drug costs of CAR-T therapy will also arise. CAR-T therapy is a tumor immunotherapy formulated for each patient individually, one patient per production batch, so the production cost is high, which also leads to the cost of its treatment, and the current CAR-T therapy is not covered by medical insurance.
Fortunately, in January 2022, the "Westlake Yilian Insurance" protection was upgraded, and CAR-T therapy was included in the liability three claims directory. Mr. Yang's family has already insured the "West Lake Yilian Insurance", "The mother bought it when the West Lake Yilian Insurance was on sale, and I heard that I could also apply for insurance if I had been sick before, and the premium was more than 100 yuan a year." After learning that the 2022 "West Lake Yilian Insurance" guarantee was included in the CAR-T therapy, Mr. Yang was very surprised and immediately began to apply for the use of CAR-T therapy and applied for a claim from the "West Lake Yilian Insurance" project team.
After receiving the report, magnesium health claims operation team assisted the insurance company to respond quickly, track the status of the claim throughout the process, actively assisted Mr. Yang in collecting claim information, and guided him to submit claim materials to the nearest pharmacy based on the comprehensive DPT pharmacy service network coverage of Magnesium Health, and completed the payment at the fastest speed.
It is understood that Mr. Yang helped his mother submit paper claim materials from February 20 to February 21, and successfully obtained 100% compensation in less than 24 hours. "Thanks to the advanced CAR-T therapy provided by 'Westlake Yilianbao', it not only guaranteed my mother's treatment, but also helped us relieve the pressure of treatment costs and rekindled our hope!" Mr. Yang said excitedly.
Magnesium Health helps "Huimin Bao" fully enter the 3.0 era
Patient-centered, to help build a happier future society, is the concept of Magnesium Health, as the "West Lake Yilian Insurance" the first CAR-T therapy compensation case, Mr. Yang's mother's story also fully demonstrates the "West Lake Yilian Insurance" low premiums, high sum insured, pre-existing symptoms are indesusible, dynamic adjustment of the special drug list and other inclusive characteristics, which is also one of the key points to promote the sustainable development of Huimin Insurance products.
In fact, how to promote the sustainable development of the people's insurance In the two sessions of the National People's Congress in 2022, many deputies and members also put forward their own views and contributed ideas for the health, stability and sustainable development of the people's insurance.
For example, Zhou Yanli, a member of the National Committee of the Chinese People's Political Consultative Conference and former vice chairman of the China Insurance Regulatory Commission, said that it is necessary to continue to support commercial insurance institutions to meet the multi-level and personalized health protection needs of the people through diversified products and services. Insurance companies should implement relevant regulatory requirements, optimize product design, scientifically formulate guarantee plans and rates, strengthen business traceability, give full play to their own service and professional advantages, and ensure that they benefit the people and are sustainable. Regulators should also resolutely take regulatory measures against blindly seizing the market, disrupting market order, and harming the rights and interests of consumers.
Zheng Bingwen, member of the National Committee of the Chinese People's Political Consultative Conference and director of the World Social Security Research Center of the Chinese Academy of Social Sciences, pointed out that there are still some problems in Huiminbao as a new thing of "Internet +", such as imperfect information disclosure and a large gap in the compensation rate of various places. Therefore, he suggested that we should increase our efforts in policy support, such as the National Medical Insurance Bureau to introduce relevant policies to support the people's insurance, and allow and encourage all localities to use the personal account of employee medical insurance to pay premiums and establish industry self-regulatory organizations and formulate industry standards.
Sun Jie, member of the National Committee of the Chinese People's Political Consultative Conference and researcher of the National Institute of Opening Up to the Outside World at the University of International Business and Economics, also said that at present, the mainland's business of benefiting the people and ensuring social security is still in the initial stage of development, and the government's support and promotion still need to be strengthened. Therefore, in order to increase the support of the policy of benefiting the people's insurance and better play the positive role of the people's insurance, she suggested that it is necessary to improve the relevant institutional mechanisms of the people's insurance and build a data and information sharing platform, so as to promote the development of the business of the central and western regions.
Improving the relevant systems and mechanisms of HuiminBao and providing users with a good customer experience is also the future development direction of Huiminbao. At present, with its rich experience in inclusive urban supplementary medical insurance projects, Magnesium Health has designed important features including dynamic liability compensation adjustment mechanism, localization operation, comprehensive and practical value-added services and refined user operation management for Huimin Insurance projects in various places, providing users with high-quality localization health services, promoting the sustainable development of Huiminbao and helping Huiminbao enter the new era of 3.0.
The "West Lake Yilian Bao" is a typical product of Magnesium Health to help Huimin Bao 3.0 era. In order to support the sustainable development of Huiminbao, in the future, Magnesium Health will fully assist the construction of Huiminbao, promote the deep integration of high-quality medical and health service resources and insurance products, provide users and their families with more comprehensive, economical and high-quality medical and health services, help the country build a multi-level medical security system, and help build a happy society where "everyone is guaranteed and the whole family enjoys health".
Qian Wenbin, director of the Department of Hematology of the Second Affiliated Hospital of Zhejiang University School of Medicine, said: "WestLake Yilian Insurance is an insurance product that can truly benefit patients, improve the possibility of more patients receiving CAR-T treatment, and bless patients like Mr. Yang's mother on the road to healing." "