Although Zhao Yi did not express his opinion explicitly, after this analysis, his attitude was very obvious, and the old man stopped saying anything on this matter and ignored the topic.
Although he did not get the results he wanted from Zhao Yi, he did not hide his love for Zhao Yi. No matter what, this was a feat that created human life science and an important milestone in the development of human scientific and technological civilization.
It's a pity that this result can only be disseminated in a small circle. If this result is published in a famous international scientific magazine, the effect will be earthquake-level and can bring a lot of prestige to our country.
But Zhao Yi is not eager for fame. Otherwise, with the scientific results in his hands, he will definitely become a contemporary scientific giant. There is no doubt about this.
As for improving the country's international reputation, Zhao Yi feels that there is no need to care at all. When the economy, military, science and technology, and culture have made great progress, these things will happen naturally.
Moreover, the country has made great progress in various aspects in recent years. Although it has not been deliberately promoted, its influence is increasing day by day.
In the past, there may have been gaps between civilizations due to insufficient non-governmental exchanges, and the right to speak was controlled by a small group of people. However, since Chinese medical companies received patients from China, the situation has been greatly improved.
At present, Western countries emphasize that the backbone of the country is the middle class, and those who can come to China for treatment of diseases are precisely those from the middle class and above, with tens of millions of people every year, and the communication effect they bring is more effective than any media words.
Coupled with the close cooperation between Chinese medical companies and Chinese pharmaceutical companies, they can treat diseases that even global medical giants cannot deal with. This fully demonstrates that our country is at the top level in the world in biomedicine and medical technology.
This achievement is real and cannot be discredited by one or two media. As time goes by, the reputation of Chinese medical companies and Chinese pharmaceutical companies will be widely spread around the world.
Moreover, although Chinese medical companies charge more money, they are much better than those unscrupulous pharmaceutical giants. They can at least cure the patient's disease. This is the most important thing.
Interestingly, Ping An Insurance, owned by Zhao Yi, originally did not plan to get involved in the foreign medical insurance industry for fear of attracting attention from foreign insurance giants and causing unnecessary trouble to itself.
However, the medical technology of Chinese medical companies is increasingly recognized by patients. In the countries where they are located, the true situation of Chinese medical companies is vigorously publicized, making Chinese medical companies gradually appear to be deified.
Other minor illnesses are fine and don't need to be treated in China, but for major illnesses, most people have blindly trusted Chinese medical companies. However, the treatment costs of Chinese medical companies are too expensive and it is difficult for ordinary people to afford them.
Even if you are a middle-class person, although you can still pay for treatment by scraping together, you will still incur high debts, which will significantly reduce your quality of life.
So they hope that there is an insurance that can solve this problem. The content of the insurance is to receive treatment for major diseases from Chinese medical companies, so that the risks can be shared among more people and the cost of treatment can be reduced to an affordable level.
In fact, it is not that foreign medical giants have not noticed this situation. They have also established relevant insurance project teams and then sent people to negotiate with Chinese medical companies.
According to past practice, when insurance companies cooperate with medical companies, insurance companies have an advantageous position because there are many medical institutions, but insurance companies often only have a few giants.
Therefore, insurance companies have great bargaining power over medical institutions. The representatives sent by international insurance giants came to negotiate with Chinese medical companies with this mentality. As a result, the negotiations collapsed after just a few words.
These insurance giants also think that Chinese medical companies are the same as other ordinary medical institutions. The technology of ordinary medical institutions is highly homogeneous, with few technical differences, and insurance companies have many options.
However, the technical level of Chinese medical companies is much higher than that of their peers. Not to mention the specific drugs of Chinese pharmaceutical companies, their own medical technical level is also much higher than that of their peers.
This is because they are short of manpower and have only been established for a short time. As time goes by, more doctors will master Zhao Yiji's treatment plan, and their business capabilities will become stronger and stronger.
Of course, if only relying on Chinese medical companies, they still cannot support the current huge reputation alone. Chinese medical companies account for more than half of the contribution.
In the past, Chinese pharmaceutical companies also wanted to actively explore overseas markets and buy their own special drugs all over the world. Now this idea is much weaker. The special drugs applied for are the same type of drugs already on the market, but their efficacy is more powerful. good.
As for brand-new special drugs, Chinese pharmaceutical companies do not plan to apply for sales licenses from various countries. Instead, they will only supply Chinese medical companies. In this way, not only will they make money, but Chinese medical companies will also benefit jointly.
More importantly, the huge number of patients coming to China every year can not only increase the number of tourists in our country and increase tourism income, but also serve the purpose of cultural exchanges, eliminate cultural prejudices, and break the discourse dominance of traditional foreign media.
With the emergence of new media on the Internet, the influence of traditional media will become weaker and weaker, and the influence of words brought by patients coming to China will become stronger and stronger. This is a very good thing for our country.
Therefore, the negotiation with these insurance giants collapsed. It had little impact on Chinese medical companies, but it made Ping An Insurance of China see the benefits, and then asked Zhao Yi if he wanted to get involved.
Previously, Zhao Yi wanted to expand Chinese medical companies and Chinese pharmaceutical companies overseas, so in order not to offend the insurance giant, he asked China Ping An Insurance Company not to touch this piece of cheese, so as not to affect his plan.
But now it seems that Chinese medical companies and Chinese pharmaceutical companies do not need to deliberately enter their markets and can still bring a steady stream of wealth. So do they still have to take the interests of those insurance giants into consideration
The answer is of course no. Although the insurance giant is powerful, it is not omnipotent. Apart from the interest relationship, he does not need to care about their opinions at all.
This time Ping An Insurance Company of China plans to get involved in the overseas critical illness medical insurance business at the right time. Firstly, it can expand their global influence and at the same time bring them more wealth.
Second, it can effectively reduce the cost of treatment for patients coming to China, making it affordable for ordinary people. Then the number of people coming for treatment will definitely hit a new high again, bringing greater benefits to Chinese medical companies and Chinese pharmaceutical companies. .
Third, in the cooperation between insurance companies and Chinese medical companies, there is no question of who is taking advantage of whom. The three companies have the same boss, and they only need to follow normal business cooperation.
And since China Medical Company and China Pharmaceutical Company do not have to pay taxes for the time being, this kind of cooperation is beneficial to Zhao Yi and can save a lot of taxes.
Of course, he would not deliberately avoid taxes. If this behavior is known by others, although nothing can be done to him, it will still be difficult to live up to in terms of face. At this point in his life, face is much more important than money.
Ping An Insurance Company's influence in the country is quite large. After all, the funds of the welfare funds are entrusted to them to take care of. It is difficult to imagine whether the influence will be large. It is already the number one insurance giant in the country.
Although the scale is just that in Zhao Yi's opinion, under the current environment, it does not affect it from becoming a big brother in the industry. The related insurance they launched have been very popular, and the business expansion is very fast.
But apart from the country, Ping An Insurance Company's influence is very weak, and its foundation is much weaker than that of international insurance giants. This is very detrimental to their overseas business.
In addition, Chinese medical companies have just rejected other international insurance giants. At this time, Ping An Insurance Company will definitely encounter more obstacles if it wants to carry out international business, and may even encounter administrative obstacles from the government.
In order to get rid of this obstacle, Ping An Insurance Company will not enter their domestic business for the time being, but choose HSBC as the payment bank for insurance premiums.
The policy holder only needs to open a bank account at HSBC, then transfer money to this bank account, and then use the HSBC account to insure with Ping An Insurance Company.
Although it sounds like a lot of trouble, it is not difficult to handle all the business. HSBC and Ping An Insurance Company will provide one-stop services. The policy holder only needs to provide valid identification and make a phone call to handle it.
In doing so, it can not only avoid the supervision and obstruction of the local government, but also weaken the influence of international insurance giants, while also bringing a large number of customers to HSBC.
As for the small size and large number of funds in these bank accounts, it brings management costs to HSBC. If it was in the past, this problem would have existed, but now the cost increase caused by this situation can be ignored.
Because HSBC has launched the most advanced intelligent management system and the intelligent customer service service provided by Hengchen Technology Company, there are very few steps that require manual operations, and the rising costs can be ignored.
Moreover, those who have taken out the insurance are all relatively wealthy. Now they may not trust HSBC because of their first contact. However, as business contacts become more frequent, their trust in HSBC will definitely become higher and higher. .
At that time, these people will bring huge business to HSBC. In this matter, HSBC will not only not suffer losses, but also gain huge benefits.
After solving the problem of avoiding supervision, we need to consider the issue of insurance. Everyone knows that if you want insurance premiums to be reduced, you must have enough policyholders.
Because the more insured people there are, the greater the ability to share risks equally. Therefore, simply applying for insurance for patients coming to China cannot effectively reduce insurance costs and cannot be universal.
Therefore, Ping An Insurance Company adopts a dynamic premium system, which means that instead of using fixed premiums, Ping An Insurance adopts floating insurance premiums based on the number of policyholders.
When the policy holder applies for insurance, Ping An Insurance Company will calculate the insurance cost in real time based on the current total number of policy holders, and the policy holder only needs to pay according to the current insurance cost.
As the number of policyholders increases, the policyholders' insurance premiums will become lower and lower. The high premiums paid by those who previously insured will be returned to the policyholder's bank at the end of the year. inside the account.
Doing so may seem to reduce the insurance company's profits, but it is not the case. First, this floating premium system can minimize the insurance company's risks.
Second, the number of policyholders can be rapidly expanded. Although the individual profit may decrease, due to the expansion of the total amount, the aggregated total profit will not decrease, but will increase.
Third, this can gain the trust of users. The previous practices of insurance companies were considered by many users to be greedy. If they did not need insurance companies to reduce risks, they would not have a good impression of insurance companies.
Ping An Insurance Company adopts a floating premium method, which can make policyholders feel that they are respected, and at the same time feel that the insurance company's profits are controlled at a reasonable level, because this really reduces the burden on policyholders.
Fourth, it is highly diffused. If it is a regular insurance sales, the insurance company needs to send a large number of insurance salesmen to sell it. The cost is actually very high, and it brings bad feelings to users.
However, after the adoption of this floating premium system, policyholders who previously purchased insurance will be willing to act as salesmen for the insurance company in order to lower their premiums, so that more people will buy this insurance.
You know, tens of millions of people come to China for treatment every year. After experiencing the services of Chinese medical companies, these people will definitely be very interested in this kind of insurance.
Judging from the existing results of Ping An Insurance Company, the insurance rate among these people has reached 98%. The remaining 2% did spend all their money because of the high cost of treatment, but their interest in future insurance is high. Very high.
There are so many people acting as salesmen. As long as each person sells to 10 people around him, the number of policyholders will increase by 10 times. By analogy, it is simply a chain reaction.
Moreover, this kind of promotion method is subtle and very efficient. Generally, it is recommended by acquaintances and close people, who have a high degree of trust in this insurance project.
Moreover, using this method of promotion can perfectly avoid the interception of international insurance giants, and there is no way to deal with Ping An Insurance Company. Residents cannot be allowed to buy foreign products on their own. This cannot be justified in any country.
Moreover, this transaction is not conducted in the country, and the government cannot make mandatory regulations unless it prohibits citizens from remitting money to HSBC. But if HSBC is banned, can all banks be banned
And this is not in line with the current international trade order. If we really do this, other countries can use the same method to deal with their own banks in the future, and then it will be nothing more than a mess.
Since the Internet had not yet formed before, mailing contracts and telephone communication were all used. In order to reduce costs, an annual payment model was adopted, with payments made once a year.
This is a helpless move because the cost of critical illness insurance is very high. According to current statistics from Ping An Insurance Company, each policy holder needs to pay an insurance premium of US$5,000 per year.
Such costs are simply too high. Even if they have high salaries, they cannot spend so much money at once, and they cannot promote it to ordinary people. Only people above the middle class can afford this fee.
Of course, they also have many levels of self-payment rates, such as the 5,000 yuan annual payment method mentioned above, so as long as you have a major disease on the catalog, you can get free treatment.
If you really have no money, you can buy a low-standard product, for example, for $2,500 per year, you need to pay 50% of the cost yourself, and the insurance company will pay the rest.
The product is divided into five grades. The proportion of expenses paid by the insurance company ranges from 100% to 50%. No 10% is regarded as a grade. Although they are divided into different grades, the standards used are the same.
The reason for doing this is to allow more people to participate and avoid the situation where the cost is too high and it is really unaffordable.
Of course, such a high fee is calculated based on a base of 100 million policyholders. If the number of policyholders expands to 1 billion in the future, the cost will fall further.
However, it will not really drop by 10 times, but I think it will still drop. By then, a person will only need to pay less than a thousand dollars a year to get free treatment, and ordinary families will still be able to afford it.
This is an operating model based on the traditional model. After the international Internet is fully connected, Ping An Insurance Company will adopt a monthly payment model. Policyholders only need to set up the relevant system to automatically complete this work.
If it is really paid on a monthly basis and the number of policyholders reaches 1 billion, then they only need to pay US$80 per month to enjoy the benefits of this insurance and solve their worries.
In fact, if the insurance is set up based on this base, the money earned is not as much as that of China Medical Company and China Pharmaceutical Company. According to the estimates of these two companies, their combined income will reach more than one trillion yuan this year.
But you must know that the current number of people with serious illnesses has been accumulated in the past. By the time this year passes, the number of people with serious illnesses in the world will be greatly reduced.
Moreover, due to the high cure rate of Chinese medical companies, the number of seriously ill people in the world will become smaller and smaller in the future, which means that the annual income of the two companies will also become smaller and smaller.
Therefore, despite the temporary decrease in income from using the insurance payment model, it can bring relatively stable income to the two companies in the future. This is a long-term business.
Interestingly, in order to reduce their own pressure and risks, Ping An Insurance Company did not adopt a per-person payment model, but a lump sum model.
Ping An Insurance Company pays 90% of the total insurance premium to China Medical Company. China Medical Company must provide unconditional treatment to policyholders, and the remaining 10% of the profit belongs to the insurance company itself.
In this way, insurance companies can reduce their own risks, especially when it seems that this risk is quite high at present, and Chinese medical companies can also obtain long-term and stable income, which may not only not decrease but increase in the future.
The reason why they only offer critical illness insurance is that for common illnesses, the cost of flying may be more than the cost of treatment, so no one will buy ordinary illness insurance.
Second, they do not want to offend the local medical institutions too much. They may not be able to do anything for serious diseases, but they are still very sure to cure common diseases, and the total cost of common diseases is much larger than that of major diseases.
Although doing this can be regarded as cutting a piece of meat from their bowl, the impact on them is not too great. Although there is resistance, it is not very strong, so it is a compromise.
This is just like goods. Chinese medical companies make high-end goods, while other medical institutions make mid- to low-end goods. In this way, everyone can make money, and there will be no big rifts and competition. (End of chapter)