Discharged patients receive immediate compensation with zero advance payment: Ping An's "Business Insurance Direct Compensation" service is launched in Wuhan.

On December 25, 2025, Ping An Health Internet Co., Ltd. (referred to as PA GOODDOCTOR) (01833) jointly held a "commercial insurance direct settlement" service launch ceremony with the Third Hospital of Wuhan City, announcing that patients visiting the hospital can enjoy the convenient experience of "instant payment upon discharge, zero upfront payment". Specifically, when Ping An Insurance customers settle their bills upon discharge, they only need to spend less than ten minutes to complete the commercial insurance claim, no longer having to fill out information afterwards, and no longer needing to make a second trip between the hospital and the insurance company. It is understood that this innovative service initiative is a positive practice in response to the national medical insurance bureau's data sharing policy for medical insurance and commercial insurance, and to promote the implementation of the "Healthy China" strategy, as well as an important move in the advancement of Ping An Group's "comprehensive finance + medical eldercare" dual-driven strategy. In the future, this service is expected to be fully implemented in the Wuhan area. Customer Mr. Zhang's family (alias) stayed at the Third Hospital of Wuhan City for burns. When admitted to the hospital, they reported the case on the Ping An APP and applied for direct settlement services, and on the day of discharge, they went to the settlement window to settle the bill. After the financial staff completed the medical insurance settlement, they then proceeded to the commercial insurance calculation, confirmed the results of the patient's commercial insurance direct settlement, printed the discharge receipt, and completed the insurance claim in less than 10 minutes. "The operation is simple, it only takes a few minutes, and I don't have to run around between the hospital and the insurance company to submit medical records. The experience is very good!" Mr. Zhang praised the convenient claims operation. It is reported that the commercial insurance direct settlement service launched by PA GOODDOCTOR has built a new "medical + insurance + health management" service ecosystem. This system is guided by the national medical insurance bureau's data sharing policy for medical insurance and commercial insurance, and relies on Ping An Group's leading financial technology capabilities and mature risk management system to achieve deep cooperation with high-quality medical institutions in various regions. The commercial insurance direct settlement service bridges the data gap between medical payments and commercial insurance claims, effectively solving the problem of difficult medical claims. Huang Xiaodong, Secretary of the Party Committee of the Third Hospital of Wuhan City, stated that the launch of the commercial insurance direct settlement service is a "milestone" in the upgrading of hospital services, and is an important measure for realizing the idea of "less running around for data, less running around for patients". It will fundamentally solve the pain points of patients in "difficult claims and long periods", and promote a win-win situation among hospitals, insurance institutions, medical and health service platforms, and patients. The person in charge of PA GOODDOCTOR pointed out that the company has always been committed to putting users at the center and providing customers and patients with a worry-free, time-saving, and cost-effective quality medical eldercare service experience. The 150-year-old Third Hospital of Wuhan City has solid medical resources, service system, and a professional medical service team, laying a good foundation for the efficient cooperation between the two parties. "Upfront medical expenses and tedious claims processing" have been core pain points for previous insurance customers. In order to tackle the issue of commercial insurance direct settlement, both parties have made unremitting efforts and dedicated themselves during the period of achieving direct system connection, bridging data gaps. "We are very looking forward to upgrading insurance services from 'post-reimbursement' to 'real-time direct settlement', and really improving the medical experience of LBX Pharmacy Chain Joint Stock." As it is known, the 150-year-old Third Hospital of Wuhan City is the first direct landing unit for Ping An's commercial insurance direct settlement service in the Wuhan area. Currently, PA GOODDOCTOR's commercial insurance direct settlement service covers various medical scenes such as comprehensive tertiary hospitals, oncology specialties, and traditional Chinese medicine specialties, and will further expand the reach of the commercial insurance direct settlement service. In the next two months, it will gradually launch in several large tertiary hospitals. Industry insiders believe that this measure signifies a key breakthrough for PA GOODDOCTOR's commercial insurance direct settlement service in responding to the national medical insurance bureau's data sharing policy and advancing the implementation of the Healthy China strategy, from a single point breakthrough to regional-scale coverage. The person in charge stated that in the future, PA GOODDOCTOR will continue to deepen cooperation with hospitals across the country, optimize the direct settlement process, enrich service scenarios, and make the commercial insurance direct settlement service benefit more people in different regions, contributing to the improvement of a multi-level medical security system and continuously supporting the construction of "Healthy China".