Chapter 1638: Commercial Medical Insurance Patients Discriminated Against
At around 10:30 in the morning, Yu Zhiming met the heads of three insurance companies who had come as scheduled in the soundproof office.
After a conversation with Gu Qingran last night, Yu Zhiming realized that there are more than 200 insurance companies of various types in my country.
Among them, there are ninety-two life insurance companies that are qualified to provide medical insurance.
However, apart from the well-known large insurance groups or companies, most insurance companies are regional small and medium-sized insurance companies.
These small and medium-sized insurance companies generally have investment backgrounds from local governments, plus several local leading enterprises.
Such insurance companies can barely survive by relying on local resources, but it will be very difficult for them to expand and develop.
Dongyue Life Insurance, Zhujiang Insurance and Dongting Insurance, which came here today, are all such local insurance companies.
The three insurance companies were also very sincere, with their chairmen and general managers coming together. Not only that, they also brought gifts to congratulate Yu Zhiming on his wedding.
Gu Qingran is rushing to her hometown in Chaozhou today to prepare for the wedding banquet. Ling Yuchuan, one of the main promoters of the project, also came here specially to host the meeting.
The two sides exchanged brief greetings and sat down. Yuan Zuolin and Yuan Youlin, who were temporarily serving as administrative staff, served tea to everyone.
Yu Zhiming got straight to the point and said, "I heard that the CEOs had some questions about our medical insurance project and me, so I took the initiative to invite you all here to discuss it."
"I hope you don't feel offended."
Pu Chen, chairman of Dongyue Life Insurance, is a man in his fifties with a square face and a flat head.
He smiled heartily and spoke first, "How could I feel offended? We all know that you, Dr. Yu, are a medical genius whose time is precious. It's our honor that you can take time out of your priceless honeymoon holiday to see us."
As Pu Chen's voice fell, other CEOs also echoed him.
Yu Zhiming smiled gently and said, "Thank you for your understanding. Let's get started."
"If you have any questions, please ask directly. I will definitely not be vague in my answers."
The CEOs of the three insurance companies exchanged glances, and Pu Chen spoke first.
"Doctor Yu, to be honest, when the people from Ning'an Group approached us to discuss collaborating on this medical insurance project, we were very interested. They mentioned that this project was being promoted by you, Doctor Yu."
After a pause, Pu Chen continued, "Doctor Yu, you are a nationally renowned physician and a diagnostic genius. You have made extraordinary achievements in many medical fields, including the discovery and treatment of cancer and the diagnosis and treatment of various difficult and complicated diseases. If you were to lead a project, it would naturally be much more effective."
"What we want to know most is, what position does this medical insurance program occupy in your company?"
this……
Yu Zhiming pondered and said, "I am a doctor. Treating patients, improving myself, and participating in relevant medical research are my main duties, and this will occupy most of my energy."
"Based on my main job, some of the results produced are then commercialized, which can be regarded as my side job."
"I already have someone to take care of my side business. I just occasionally pay attention to the benefits and income."
Yu Zhiming met the gazes of Pu Chen and the others and said, "If someone else told you that I was the one promoting this medical insurance project, they would definitely be deceiving you."
"I don't have the time or energy to worry about anything other than my job. Besides, I don't know anything about medical insurance."
"Of course..."
Yu Zhiming added: "I can also do some things within my ability."
"Just like today's meeting."
As Yu Zhiming finished speaking, the office fell into silence.
Ling Yuchuan held the tea and sipped it in small sips, as if he was drinking the best tea in China.
There was another nearly ten seconds of silence, and then Jiang Meng, the female chairman of Zhujiang Insurance, was the first to change and reveal her face.
"Dr. Yu, thank you for your frank advice. This has relieved our biggest concerns."
Yu Zhiming was a little confused by this.
How can not worrying about it and not paying attention to the progress of the project make them feel more at ease?
Jiang Meng saw Yu Zhiming's ignorant look, which showed that he was a technical genius, and his smile became even wider.
"Doctor Yu, there are some eccentric people in our country who became famous at a young age and soared to fame, but after a few years, they fell into mediocrity and never achieved much."
"It's mainly because they are either captivated by fame and fortune, or they are bogged down in heavy clerical work, leaving them with no time and energy to improve themselves and engage in scientific research."
Pu Chen continued, "This insurance business is different from other things. It won't take one or two years, or three or five years, but twenty or thirty years, or even longer, to show results."
"Let me be frank. We've leveraged your current fame, Dr. Yu, and invested heavily in this project for three to five years, but you've become mediocre. By then, all we'll have left is probably a mess."
"So, what you just said, Doctor Yu, reassures us and puts us at ease. We no longer have to worry."
Jiang Meng then continued, "What we need is a Doctor Yu who is constantly making progress and improving in medicine."
"There are many business talents and commercial wizards, but there is only one medical genius, Dr. Yu."
"As long as you remain at the top of your game and continue to achieve medical results, the careers that rely on you will naturally prosper as well."
Ling Yuchuan finally put down his teacup and said softly, "Bosses, if you could learn more about Dr. Yu, you wouldn't have to worry about this."
"Dr. Yu is arguably the most self-disciplined genius I've ever met, bar none."
"Let's put it this way, there's not much difference in how hard-working he is now compared to a year ago."
After a pause, Ling Yuchuan continued, "I can tell you another piece of news. According to the cooperation agreements we have reached with various hospitals, Huashan Second Hospital will not only have the best medical experts in the country, but will also gather the best young doctors from various hospitals."
"In addition, the teaching hospital in Dr. Yu's hometown will be put into use next year."
Ling Yuchuan tapped his fingers lightly on the coffee table. "Within five or six years, outstanding young core doctors who respectfully call Dr. Yu 'Teacher' will be spread across major hospitals across the country."
"Ten years later..."
These words made the eyes of several CEOs brighter.
Jiang Meng continued, "Doctor Yu, there's a real problem. I'm not sure if you know that patients who have purchased commercial medical insurance are actually discriminated against when they go to the hospital for medical treatment and medication. They're not treated well."
"Why?" Yu Zhiming really didn't understand.
The president of Dongting Insurance seized the opportunity to explain, "Doctor Yu, when patients apply for reimbursement of medical expenses, they need to provide us with a complete list of treatments, including medical records, diagnosis basis, treatment records, prescriptions, etc. The company has professionals to review them."
"If there are non-standard treatments, over-prescription of medications, unnecessary expensive medications, repeated examinations, unnecessary treatments and other overcharged items, we can detect them."
"Doctor Yu, you understand that some hospitals are reluctant to take any action against patients with commercial medical insurance."
Yu Zhiming nodded and said, "We work with top hospitals in their respective regions. I can't say that this situation has been completely eradicated, but I can guarantee that it is extremely rare."
Ling Yuchuan went on to say, "You should also know that this country has relaxed restrictions on foreign-owned or controlled medical institutions."
"Our medical insurance project is mainly aimed at mid- to high-end customers. It is equivalent to establishing a virtual high-end hospital for the hospital we cooperate with."
"This project has received strong support from the hospitals in the No. 7 Deans Forum and will establish a direct channel to specialists for our insurance customers."
Pu Chen smiled and said, "Boss Ling, we came here with sincerity after learning the exact news about the Dean's Forum."
He looked at Yu Zhiming again and asked, "Doctor Yu, regarding our cooperation, do you have any suggestions?"
Yu Zhiming chuckled and said, "Asking me this question is like asking a blind man. I don't understand it."
"You should talk in private."
Yu Zhiming added, "I hope everyone will not hurt feelings and discuss matters based on mutual benefit. The market is so big, it should be possible for everyone to cooperate, right?"
"Work together?" Pu Chen asked.
Yu Zhiming casually said, "We could merge into one insurance company, or invest together to establish a new insurance company. That should be possible..."
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