Partnership

Yihuibao Partnership Model

Strategic Execution Plan for Surgical Accident Insurance Collaboration

I. Partnership Principles

The collaboration is guided by the core principles of "Hospital-Enterprise Coordination, System Co-construction, Shared Responsibility, and Patient Benefit." The goal is to deeply integrate surgical accident insurance and related services into hospital operations through process integration, service standardization, data visualization, and proactive risk management.

II. Implementation Steps

Step 1: Project Kickoff and Hospital Coordination

• Appoint a project lead and a hospital liaison from the medical affairs department
• Sign a framework cooperation agreement, clarifying roles, responsibilities, and shared objectives
• Define the scope of participating departments, on-site deployment plan, system integration nodes, and financial arrangements

Step 2: On-Site Service Team Deployment

• Form a project team (1 project manager + 3–5 on-site specialists)
• On-site positions distributed across: outpatient/inpatient registration, surgical wards, medical affairs liaison
• Complete pre-service training covering: product logic, hospital workflows, patient communication scripts, risk handling, claims system operation

Step 3: System Setup and IT Integration

• Install and deploy the Surgical Risk Witnessing System (includes audio/video recording, e-signature, patient acknowledgment)
• Open API connections with hospital HIS, pre-op consent systems, and insurance platforms
• Launch a WeChat Mini Program portal for patients to self-enroll, review education materials, and check claim status
• Yihuibao covers all software/hardware and development costs; the hospital supports authorization and technical integration

Step 4: Embedding Enrollment and Education into Clinical Workflows

• Integrate insurance guidance and risk briefing into the preoperative consultation stage
• Distribute printed brochures + play surgical risk animation + have on-site staff provide Q&A support
• Guide patients to scan QR code for insurance enrollment, assist with e-signature and acknowledgment archiving
• Implement a “Three-Step Patient Education” protocol: initial admission briefing → pre-op consultation reminder → post-op follow-up confirmation

Step 5: Claims Coordination Mechanism

• For abnormal surgeries or postoperative complications, on-site staff collects data within 24 hours
• Hospital uploads intraoperative records, medical summaries, informed consent documents
• Yihuibao platform initiates paperless claim workflow, insurance company conducts back-end review
• Major claims follow a fast-track protocol:
  • Death-related cases settled within 15 working days
  • Non-fatal claims handled in tiers, with fastest settlement in 3 working days

Step 6: Data Review and Joint Risk Governance

• Monthly release of a Risk Monitoring Brief, including metrics such as enrollment rate, claim rate, payout volume, and abnormal surgical trends
• Quarterly Joint Risk Review Meetings co-hosted by the hospital’s medical affairs, nursing department, and insurance advisors
• Deliver actionable feedback including: corrective suggestions, training needs, script improvements, and claim analysis
• Yihuibao continuously updates the surgical risk model and supports intelligent risk alert systems

III. Division of Responsibilities

IV. Performance Assessment & Incentive Recommendations

To ensure effective implementation, the following incentive mechanisms are recommended:

Yihuibao Team

• Internal KPIs: insurance conversion rate, education coverage, claims efficiency, department satisfaction scores

Hospital End

• Establish rewards such as:
  • “High Enrollment Department Award”
  • “Zero-Dispute Service Champion”
• For proactive departments, offer customized coverage plans or better pricing rates
• Integrate the project into the hospital’s Risk Management Committee agenda to build a continuous improvement mechanism

V. Core Value of the Partnership Model