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中国网络互助正在填补中国低收入人群的医疗保健缺口( 五 )


In fact, Waterdrop Insurance Mall is the company’s only profitable business so far. Losses for Waterdrop Mutual and Waterdrop Crowdfunding can be as high as several hundred million yuan per year, but the insurance mall’s annualised premiums per month have surpassed 1 billion yuan, making the whole company profitable over the past two months, according to Shen.
Beijing resident Li Xiaotong, 33, found Water Mutual two years ago via Waterdrop Crowdfunding, where she donated money to help the sick relative of a friend. From there, she got to know about Waterdrop Mutual and joined two mutual aid plans focusing on cancer.
“I never thought about [buying] commercial insurance because my income [is low],” Li, who works as a civil servant, said. “But for online mutual aid platforms, the money each participant needs to pay is very low.”
She paid just over 100 yuan in the past two years to get a total of 400,000 yuan from her two plans after being diagnosed with breast cancer in 2018.
“The money is absolutely enough for surgery and other expenses including examinations during the rehabilitation process,” Li said. “It’s a great help because if we just rely on our salaries we will be under huge [economic] pressure.”
Since the 2003 Sars outbreak, health care in China has become a leading national concern. Often highlighted by the popular phrase, kan-bing-nan, kan-bing-gui (seeking care is difficult and expensive), health care costs can be devastating.
Mutual aid platforms are popular among China’s low- and middle-income households in rural areas, where there is often a lack of quality hospitals and affordable medical care. For Xiang Hu Bao, 60 per cent of users are from third or even lower-tier cities and 70 per cent of them earn less than 100,000 yuan a year, while on Waterdrop Mutual, 75 per cent of users come from third or even lower-tier cities.
These platforms are also cooperating with traditional insurance companies. Waterdrop Insurance Mall works with more than 60 insurance companies – including China Life, China Taiping, Ping An, Taikang Life, PICC and Aixin Life – and has more than 80 insurance products. Waterdrop earns around 30 per cent commission from traditional insurance products sold on its platform.
“For insurance companies, if we are expanding our business, the difficulty is we need to know where our [potential] clients are and their characteristics,” said Li Yu, deputy general manager of Beijing-based Aixin Life Insurance. “In this regard, Waterdrop has made it very clear with broad categories and various labels for its users.”
Aixin Life, which has worked with Waterdrop since the end of last year, has two products on Insurance Mall – an annuity product and Children’s Critical Illness Insurance, the latter being a customised product based on big data from Waterdrop.
“For a large country like China, the health condition of people in Beijing is definitely different from those in Guangdong province. But in the traditional insurance pricing model, we treat them the same way,” Li said. “For these platforms with large [volumes of] traffic, they can employ internet finance technologies to divide their clients into clearer categories based on health condition, regions, ages etc … every customer may have hundreds of labels.”


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