Direct-billing claims settlement service for poverty-stricken segment

Eradicating poverty in all forms and dimensions remains the major priority of seventeen global development goals, which are advocated by UN Sustainable Development Goals (SDGs).

As the world largest developing country, there were still large number of impoverished people in China before 2020. Suffering illness was one of important reasons making poverty-alleviation more challenging. Since the beginning of 2019, China Life has focused on solving problems of medical expenses payment for poverty-stricken segments in the society. We cooperate with governments and medical institutions to establish information database, and provide impoverished customers affordable medical insurance products. China Life further focuses on multi-dimensional applications of insurance, technology and medical treatment as well as the development of insurance products targeting on poverty-stricken segments.

Therefore, direct-billing claims settlement service program is established leverage on big data and other technologies. Our main goal is to make quick information identification and acquisition of outpatient and inpatient online, then initiate claims settlement in real-time. Therefore, China Life could provide instant-efficiency and quality direct claim settlement services to its customers as soon as they leave the hospital. The direct-billing claims settlement has disrupted traditional claim protocol that claims are always initiated by customers. Instead, China Life pro-actively automates to initiate direct-billing claims settlement procedure.

With this innovation, we can not only waive all the unnecessary paperwork from customer side, but also accelerate the process so to provide timely and convenience services. In the meantime, we could also alleviate customers' financial pressure under unexpected situations.