On December 25, 2025, Ping An Health internet Company Limited (PA GOODDOCTOR) (01833) partnered with Wuhan Third Hospital to launch the "Direct Commercial Insurance Claims" service. This initiative allows patients at the hospital to enjoy a convenient experience characterized by "immediate payout upon discharge and zero upfront payment." Specifically, Ping An insurance customers can complete their commercial insurance claim in under ten minutes at the discharge settlement counter, eliminating the need for post-treatment paperwork submissions or multiple trips between the hospital and the insurance company.
This innovative service is a proactive practice in response to the National Healthcare Security Administration's policy on healthcare and commercial insurance data sharing, advancing the "Healthy China" strategy. It also represents a significant step in Ping An Group's dual-driver strategy of "Integrated Finance + Healthcare and Elderly Care." The service is expected to be fully implemented across the Wuhan area soon.
A customer, Mr. Zhang (pseudonym), whose family member was hospitalized at Wuhan Third Hospital for burns, reported the case and applied for the direct claim service via the Ping An app upon admission. On the day of discharge, at the settlement window, the financial staff completed the medical insurance settlement first, followed by the commercial insurance calculation. The entire process, from confirming the direct claim result to printing the discharge receipt, took less than 10 minutes. "The operation was simple and finished in just a few minutes. There was no need to run between the hospital and the insurance company to submit medical records. The experience was excellent!" Mr. Zhang praised the highly convenient claims process.
The Direct Commercial Insurance Claims service introduced by PA GOODDOCTOR establishes a new service ecosystem integrating "Healthcare + Insurance + Health Management." Guided by the national policy on data sharing, this system leverages Ping An Group's advanced fintech capabilities and mature risk management framework to achieve deep collaboration with high-quality medical institutions. The service bridges the data gap between medical payments and commercial insurance claims, effectively solving the longstanding difficulty of obtaining claim reimbursements.
Huang Xiaodong, Party Secretary of Wuhan Third Hospital, stated that the launch of the direct claims service is a "milestone" in hospital service upgrades and a crucial measure for realizing the principle of "let data travel more, so people travel less." It fundamentally addresses the patient pain points of "difficult claims and long cycles," promoting a win-win situation for the hospital, insurance providers, healthcare platforms, and patients.
A relevant负责人 from PA GOODDOCTOR pointed out that the company has long been committed to a "user-centric" approach, providing customers and patients with high-quality, worry-free, time-saving, and economical healthcare experiences. The 150-year-old Wuhan Third Hospital, with its solid medical resources, service system, and professional team, laid a strong foundation for efficient collaboration. "Advance payment for treatment and cumbersome claims processes" were among the core pain points for insurance customers. To tackle the challenge of direct commercial insurance claims, both parties made relentless efforts to achieve system integration and bridge data gaps.
"We are very eager to truly upgrade insurance services from 'post-treatment reimbursement' to 'in-treatment direct payment,' substantially improving the healthcare experience for the public," the负责人 said. Wuhan Third Hospital, with its 150-year history, is the first institution in Wuhan to directly connect with Ping An's direct claims service. Currently, PA GOODDOCTOR's service covers diverse medical scenarios, including comprehensive Grade III A hospitals, specialized oncology hospitals, and traditional Chinese medicine facilities, and will further expand its coverage. Several other major Grade III A hospitals are scheduled to launch the service within the next two months.
Industry insiders believe this move signifies that PA GOODDOCTOR's direct claims service has achieved a critical leap from single-point breakthroughs to regional-scale coverage in the process of responding to national data sharing policies and advancing the Healthy China strategy. The负责人 stated that PA GOODDOCTOR will continue to deepen cooperation with hospitals nationwide, continuously optimize the direct claims process, and enrich service scenarios. The goal is to extend the benefits of the service to more regions, contributing to the improvement of the multi-level healthcare security system and the "Healthy China" initiative through digital and intelligent practices.
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