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当年打公益牌的大病众筹平台,都在这样进行商业变现_蜘蛛qq红包如何领取

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当年打公益牌的大病众筹平台,都在这样进行商业变现

????头图来自:东方IC;本文来自微信公众号:八点健闻(ID:HealthInsight);撰稿:卜艳;责编:子木,
,在经过5年的激烈演变之后,中国的大病众筹平台正加速向健康险的网络销售平台转型。在众筹、互助业务阶段累计的数亿用户,如今成了形形色色的健康险竞逐的潜在客户群。,
,从大病众筹到大病互助计划,再到健康险的大众销售平台,轻松筹、水滴筹和相互宝等三家行业巨头,目前已经逐渐形成了“三级火箭”式的业务模型:大病众筹和大病互助,是形成初期助推力的一、二级火箭,它们并不盈利乃至亏损;健康险销售平台则是第三级火箭,真正的盈利点在此,也是被众筹企业们寄予厚望、形成业务闭环的关键一环。,
,轻松筹、水滴筹的投资方阵营中均有腾讯,相互宝则由蚂蚁金服直接发起。三大平台均拥有互联网巨头的海量用户支撑。而国内尚不完善的医疗保障体系,则为这类基于互联网平台、面向大众的保险销售业务提供了生存土壤。,
,相较传统的医疗健康保险业务,互联网保险平台拥有相当大的用户优势和灵活性,它们着力于构建“消费场景”,顺势将海量用户转向健康险客户。而长期困扰这些平台的合规性问题,在众筹环节已然通过新颁发的《慈善法》化解,在健康险销售业务上也已获得保险经纪牌照的“加持”,唯独大病互助业务仍游走在无据可依的灰色地带。,
,面临2018年以来持续至今的资本寒冬,大病众筹类平台貌似并未受到波及,反而成为资本追逐的热点。五年前以公益为起点的众筹平台,五年后的今天已明确其盈利的目标与途径,商业变现的进程已经开始。,
,大病众筹的合法性争议,
,成立于2014年的轻松筹自称是大病众筹模式的开创者。,
,据轻松筹联合创始人于亮回忆,2014年,众筹模式是当时最火的创业风口之一。当年全国成立的众筹平台共有84家,每月都有七家新平台诞生。,
,最早的轻松筹与其他众筹平台并无二样,众筹计划的传播集中在微信朋友圈。最终将公司的方向确定为大病救助的众筹,是源于一个“拯救创业攻城狮!”项目的发布。,
,一名29岁的工程师突患急性肝衰竭,他的同事通过轻松筹发起众筹五万元。这则消息迅速在技术圈和创业圈传开。这个项目也让轻松筹的业务量实现了爆发式增长。,
,这个项目的成功让于亮和其团队意识到,大病救助的众筹有巨大的传播势能,也有巨大的市场需求。中国虽然已经实行了全民医疗保险制度,但面对大病的冲击,基本医保依然无法避免很多家庭被拖入赤贫的境地。,
,,图片来源:视觉中国,
,中国扶贫办数据显示,中国目前有3000万贫困人口,其中有四成人因病致贫或因病返贫。这不仅有基本医疗保障不足的原因,也有中国人普遍保险意识缺失的原因。有关资料显示,中国商业健康险的普及率只有5.6%。,
,于亮认为,轻松筹凭借社交应用的熟人关系,又为每一个大病众筹项目找到了强有力的信用背书。基于熟人社交关系的口口相传,很多病人得以筹得救命的捐款。,
,不过,很长一段时间内,大病众筹的合法性一直有争议。,
,2016年9月1日,孕育十年的中国首部《慈善法》正式实施,明确界定:个人不能发起公开募捐,但个人求助的行为并未被禁止。不具有公开募捐资格的组织或者个人基于慈善目的,可以与具有公开募捐资格的慈善组织合作,由该慈善组织开展公开募捐并管理募得款物。,
,这意味着,个人为自己或直系亲属在网络上发起的求助是合法的。但是,为他人或为其它某些特定群体筹款,必须通过具有合法资质的公募组织。,
,此后,轻松筹、轻松公益、腾讯公益、淘宝公益、新浪微公益等13家平台被国家民政部指定为慈善组织互联网募捐信息平台,可以协助具备资质的慈善组织或公益组织发布募捐项目。,
,从众筹到互助,互联网巨头推波助澜,
,2016年,网络互助迎来一个风口。全国出现120多家互助保障平台,互助会员超过1800万。这一年,成立2年的轻松筹推出了轻松互助。而后起之秀水滴筹紧随其后,上线了水滴互助平台。,
,网络互助发动会员每人拿出一小笔钱,当互助保障体系内的成员罹患保障范围内的疾病后,就可以得到相应的救助。即“一人生病、众人均摊”。,
,与保险相比,网络互助的门槛很低。会员只需要预存9元、10元等费用加入互助,就能在生大病时获得最高30万元甚至上百万元的互助金。,
,从用户的角度看,与大病众筹相比,网络互助同样带有公益属性。不同之处在于,大病众筹的捐款者是救助他人,而网络互助在救助他人的同时,自己也有被救助的机会。,
,而网络互助平台迎来爆发式增长,则始于去年互联网巨头加入了这条赛道。,
,去年10月,蚂蚁金服和信美一起推出了一款“0”元的低门槛相互保险产品“相互保”,上线9天用户量破千万。之后,“相互保”经历监管风波后改名为“相互宝”。改名后的“相互宝”不再是一款保险产品,而是与水滴互助、轻松互助这类互助平台一样的性质。,
,全球拥有9亿用户的支付宝凭借巨大的流量优势,很快就在网络互助的用户数量上追平了轻松筹、水滴筹。,
,根据相互宝、轻松互助、水滴互助平台上的数据,这三家网络互助巨头最新的用户数据(截至2019年6月27日)分别为7434万元、6000万元、7984万元。,
,,图片来源:视觉中国
,
,在轻松互助、水滴互助快速长大的同时,一批网络互助平台因亏损而无力经营,最终倒闭或转型。据一位保险业内人士透露,“网络互助已变成寡头竞争,必须有足够的资金实力长期运营下去,还得有好的盈利模式。”,
,需要提及的是,做网络互助的平台都会从每一笔互助金里收取一定的管理费。八点健闻了解到,目前轻松互助收取的管理费最低为2%,水滴互助和相互宝为8%。管理费主要用来抵消一部分运营成本。,
,“为了让平台用户更积极的参与互助,我们自身补贴了一些运营费用,降低了用户的费用负担。”轻松筹保险事业群总经理钟诚告诉八点健闻。,
,八点健闻了解到,目前轻松互助累计划拨互助金4.48亿元,水滴互助累计划拨互助金更达5.69亿元。,
,但网络互助平台的尴尬在于没有牌照,随时可能面临监管风险。在不少保险行业人士看来,网络互助是游走在慈善和保险的灰色地带,未来必然会演变为一种合法的保险产品,接受保监会的监管。,
,兜售保险产品才是盈利模式,
,大病众筹、网络互助积累了大量用户后,向用户兜售商业保险产品(健康险为主),则是一项水到渠成的业务。国内一位大型保险公司的健康险产品负责人表示,轻松筹、水滴筹这类平台的场景、流量最适合转化健康险。,
,轻松筹旗下的互联网保险平台轻松保、水滴筹旗下的水滴保险商城,就是这两家公司做商业化的一个核心载体,而这种模式也颇受资本青睐。,
,今年以来,水滴筹B轮、C轮累计融资已达16亿元人民币。水滴筹创始人兼CEO沈鹏在拿到融资后公开表示,接下来公司将大力发展水滴保险商城、水滴互助等健康险、健康保障业务。,
,医库软件董事长涂宏钢告诉八点健闻:“水滴筹、轻松筹在做健康险方面,有其大平台的独特优势。由于人群量大,有效利用了社交关系链,获客成本低,保险转化率也高于一般互联网保险平台。”涂宏钢透露,商业保险佣金平均毛利率35%左右。,
,目前来看,水滴筹、轻松筹的商业模式类似,以前者为例:其“水滴筹+水滴互助+水滴保”被称为三级火箭,水滴互助和水滴保做好事前保障,水滴筹是事后救助;水滴筹、水滴互助承担前端获客功能,做流量池,本身不担负变现职责,水滴保则承担商业模式和盈利点。,
,在支付宝平台上,相互宝其实也承担类似的流量池功能,为支付宝上的保险带来更多客户。支付宝资料显示,在参与调查的“相互保”用户中,有62.5%的人表示此前没买过商业健康保险,这就给互联网保险产品留下导流的空间。,
,,图片来源:视觉中国
,
,轻松筹保险事业群总经理钟诚向八点健闻记者描述了这样一幅图:“在医疗费用支出的柱状图上,个人支出占卫生费用总占比28.8%,要实现这一比例进一步下降,必须借助商保的力量。”,
,28.8%是2017年国家财政部发布的数据,是新一轮医改的一大成效之一。新医改之前,这一数据是40.8%。不过,中国个人医疗费用支出仍远高于发达国家的水平,经合组织成员国的个人付费比例平均为10%。,
,“让更多人的有买保险意识,买得起保险”是诸多互联网健康险公司的初衷,亦是轻松筹这类拥有保险经纪牌照平台的初衷。,
,近两年,保险经纪牌照监管收紧,每年下发的牌照数量有限,不少想要进入这一领域的公司均选择收购的方式,轻松筹、水滴筹均是如此。,
,轻松筹于2016年拿到保险经纪牌照,随后上线互联网保险平台轻松保;水滴筹则在2017年拿到牌照,随后上线互联网保险平台水滴保(现已改名为水滴保险商城)。,
,“传统保险总想着做一揽子买卖,就是卖一个产品要把所有的风险可能都覆盖掉,这样的产品一方面复杂,另一方面成本也高,传统保险一直像是阳春白雪的生意。,
,而互联网保险则可以根据一些社交场景设计出更多碎片化、条款更简单明晰的保险产品来。这类保险的费率也更低。”钟诚告诉八点健闻,互联网保险给了更多普通人有选择保障的机会。,
,一位保险平台的商务负责人表示,水滴保险商城、轻松保这类平台的用户转化率要高于行业的平均值。水滴筹创始人沈鹏之前公开表示,目前水滴筹90%的用户是通过水滴保险商城完成个人首次在线投保,复购意愿高达73%。,
,而且,保险公司也愿意与这类平台合作。这类平台通过大病众筹、网络互助积累了一定的用户医疗数据,由此能够根据客户痛点反向定制一些产品。,
,“先要握住高流量,再和保险公司谈判,能够取得更高的佣金。”沈鹏告诉八点健闻,他们与50多家保险公司合作,是国内众多保险公司健康险第一分销平台,2019年6月份水滴保险商城实现了5.45亿的健康险保费,公司公司已经接近盈亏平衡,保险佣金占收入的大头。,
,钟诚认为,作为一家互联网保险经纪平台,其接下来能够转化的用户是可以被不断丰富的。“比如从个人到家庭,从短险到长险,我们都应该提供更全面的商业保障,这也是我们继续转化的思路。”,
,尽管水滴保险商城、轻松保占据互联网健康险的优势,但这并不代表其高枕无忧。一位互联网保险平台负责人告诉八点健闻,水滴筹、轻松筹的用户增长已开始放缓,接下来需要深度挖掘用户需求。,? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ?,本文来自微信公众号:八点健闻(ID:HealthInsight);撰稿:卜艳;责编:子木? ? ? ? ? ? ? ? ? ? ? ??

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gong cheng shi!" xiang mu di fa bu.,, yi ming 29 sui de gong cheng shi tu huan ji xing gan shuai jie, ta de tong shi tong guo qing song chou fa qi zhong chou wu wan yuan. zhe ze xiao xi xun su zai ji shu quan he chuang ye quan chuan kai. zhe ge xiang mu ye rang qing song chou de ye wu liang shi xian le bao fa shi zeng zhang.,, zhe ge xiang mu di cheng gong rang yu liang he qi tuan dui yi shi dao, da bing jiu zhu de zhong chou you ju da de chuan bo shi neng, ye you ju da de shi chang xu qiu. zhong guo sui ran yi jing shi xing le quan min yi liao bao xian zhi du, dan mian dui da bing de chong ji, ji ben yi bao yi ran wu fa bi mian hen duo jia ting bei tuo ru chi pin de jing di.,,, tu pian lai yuan: shi jue zhong guo,, zhong guo fu pin ban shu ju xian shi, zhong guo mu qian you 3000 wan pin kun ren kou, qi zhong you si cheng ren yin bing zhi pin huo yin bing fan pin. zhe bu jin you ji ben yi liao bao zhang bu zu de yuan yin, ye you zhong guo ren pu bian bao xian yi shi que shi de yuan yin. you guan zi liao xian shi, zhong guo shang ye jian kang xian de pu ji lv zhi you 5. 6.,, yu liang ren wei, qing song chou ping jie she jiao ying yong de shu ren guan xi, you wei mei yi ge da bing zhong chou xiang mu zhao dao le qiang you li de xin yong bei shu. ji yu shu ren she jiao guan xi de kou kou xiang chuan, hen duo bing ren de yi chou de jiu ming de juan kuan.,, bu guo, hen zhang yi duan shi jian nei, da bing zhong chou de he fa xing yi zhi you zheng yi.,, 2016 nian 9 yue 1 ri, yun yu shi nian de zhong guo shou bu ci shan fa zheng shi shi shi, ming que jie ding: ge ren bu neng fa qi gong kai mu juan, dan ge ren qiu zhu de xing wei bing wei bei jin zhi. bu ju you gong kai mu juan zi ge de zu zhi huo zhe ge ren ji yu ci shan mu di, ke yi yu ju you gong kai mu juan zi ge de ci shan zu zhi he zuo, you gai ci shan zu zhi kai zhan gong kai mu juan bing guan li mu de kuan wu.,, zhe yi wei zhe, ge ren wei zi ji huo zhi xi qin shu zai wang luo shang fa qi de qiu zhu shi he fa de. dan shi, wei ta ren huo wei qi ta mou xie te ding qun ti chou kuan, bi xu tong guo ju you he fa zi zhi di gong mu zu zhi.,, ci hou, qing song chou qing song gong yi teng xun gong yi tao bao gong yi xin lang wei gong yi deng 13 jia ping tai bei guo jia min zheng bu zhi ding wei ci shan zu zhi hu lian wang mu juan xin xi ping tai, ke yi xie zhu ju bei zi zhi di ci shan zu zhi huo gong yi zu zhi fa bu mu juan xiang mu.,, cong zhong chou dao hu zhu, hu lian wang ju tou tui bo zhu lan,, 2016 nian, wang luo hu zhu ying lai yi ge feng kou. quan guo chu xian 120 duo jia hu zhu bao zhang ping tai, hu zhu hui yuan chao guo 1800 wan. zhe yi nian, cheng li 2 nian de qing song chou tui chu le qing song hu zhu. er hou qi zhi xiu shui di chou jin sui qi hou, shang xian le shui di hu zhu ping tai.,, wang luo hu zhu fa dong hui yuan mei ren na chu yi xiao bi qian, dang hu zhu bao zhang ti xi nei de cheng yuan li huan bao zhang fan wei nei de ji bing hou, jiu ke yi de dao xiang ying de jiu zhu. ji" yi ren sheng bing zhong ren jun tan".,, yu bao xian xiang bi, wang luo hu zhu de men kan hen di. hui yuan zhi xu yao yu cun 9 yuan 10 yuan deng fei yong jia ru hu zhu, jiu neng zai sheng da bing shi huo de zui gao 30 wan yuan shen zhi shang bai wan yuan de hu zhu jin.,, cong yong hu de jiao du kan, yu da bing zhong chou xiang bi, wang luo hu zhu tong yang dai you gong yi shu xing. bu tong zhi chu zai yu, da bing zhong chou de juan kuan zhe shi jiu zhu ta ren, er wang luo hu zhu zai jiu zhu ta ren de tong shi, zi ji ye you bei jiu zhu de ji hui.,, er wang luo hu zhu ping tai ying lai bao fa shi zeng zhang, ze shi yu qu nian hu lian wang ju tou jia ru le zhe tiao sai dao.,, qu nian 10 yue, ma yi jin fu he xin mei yi qi tui chu le yi kuan" 0" yuan de di men kan xiang hu bao xian chan pin" xiang hu bao", shang xian 9 tian yong hu liang po qian wan. zhi hou," xiang hu bao" jing li jian guan feng bo hou gai ming wei" xiang hu bao". gai ming hou de" xiang hu bao" bu zai shi yi kuan bao xian chan pin, er shi yu shui di hu zhu qing song hu zhu zhe lei hu zhu ping tai yi yang de xing zhi.,, quan qiu yong you 9 yi yong hu de zhi fu bao ping jie ju da de liu liang you shi, hen kuai jiu zai wang luo hu zhu de yong hu shu liang shang zhui ping le qing song chou shui di chou.,, gen ju xiang hu bao qing song hu zhu shui di hu zhu ping tai shang de shu ju, zhe san jia wang luo hu zhu ju tou zui xin de yong hu shu ju jie zhi 2019 nian 6 yue 27 ri fen bie wei 7434 wan yuan 6000 wan yuan 7984 wan yuan.,,, tu pian lai yuan: shi jue zhong guo,, zai qing song hu zhu shui di hu zhu kuai su zhang da de tong shi, yi pi wang luo hu zhu ping tai yin kui sun er wu li jing ying, zui zhong dao bi huo zhuan xing. ju yi wei bao xian ye nei ren shi tou lu," wang luo hu zhu yi bian cheng gua tou jing zheng, bi xu you zu gou de zi jin shi li chang qi yun ying xia qu, hai de you hao de ying li mo shi.",, xu yao ti ji de shi, zuo wang luo hu zhu de ping tai dou hui cong mei yi bi hu zhu jin li shou qu yi ding de guan li fei. ba dian jian wen liao jie dao, mu qian qing song hu zhu shou qu de guan li fei zui di wei 2, shui di hu zhu he xiang hu bao wei 8. guan li fei zhu yao yong lai di xiao yi bu fen yun ying cheng ben.,," wei le rang ping tai yong hu geng ji ji de can yu hu zhu, wo men zi shen bu tie le yi xie yun ying fei yong, jiang di le yong hu de fei yong fu dan." qing song chou bao xian shi ye qun zong jing li zhong cheng gao su ba dian jian wen.,, ba dian jian wen liao jie dao, mu qian qing song hu zhu lei ji hua bo hu zhu jin 4. 48 yi yuan, shui di hu zhu lei ji hua bo hu zhu jin geng da 5. 69 yi yuan.,, dan wang luo hu zhu ping tai de gan ga zai yu mei you pai zhao, sui shi ke neng mian lin jian guan feng xian. zai bu shao bao xian hang ye ren shi kan lai, wang luo hu zhu shi you zou zai ci shan he bao xian de hui se di dai, wei lai bi ran hui yan bian wei yi zhong he fa de bao xian chan pin, jie shou bao jian hui de jian guan.,, dou shou bao xian chan pin cai shi ying li mo shi,, da bing zhong chou wang luo hu zhu ji lei le da liang yong hu hou, xiang yong hu dou shou shang ye bao xian chan pin jian kang xian wei zhu, ze shi yi xiang shui dao qu cheng de ye wu. guo nei yi wei da xing bao xian gong si de jian kang xian chan pin fu ze ren biao shi, qing song chou shui di chou zhe lei ping tai de chang jing liu liang zui shi he zhuan hua jian kang xian.,, qing song chou qi xia de hu lian wang bao xian ping tai qing song bao shui di chou qi xia de shui di bao xian shang cheng, jiu shi zhe liang jia gong si zuo shang ye hua de yi ge he xin zai ti, er zhe zhong mo shi ye po shou zi ben qing lai.,, jin nian yi lai, shui di chou B lun C lun lei ji rong zi yi da 16 yi yuan ren min bi. shui di chou chuang shi ren jian CEO shen peng zai na dao rong zi hou gong kai biao shi, jie xia lai gong si jiang da li fa zhan shui di bao xian shang cheng shui di hu zhu deng jian kang xian jian kang bao zhang ye wu.,, yi ku ruan jian dong shi zhang tu hong gang gao su ba dian jian wen:" shui di chou qing song chou zai zuo jian kang xian fang mian, you qi da ping tai de du te you shi. you yu ren qun liang da, you xiao li yong le she jiao guan xi lian, huo ke cheng ben di, bao xian zhuan hua lv ye gao yu yi ban hu lian wang bao xian ping tai." tu hong gang tou lu, shang ye bao xian yong jin ping jun mao li lv 35 zuo you.,, mu qian lai kan, shui di chou qing song chou de shang ye mo shi lei si, yi qian zhe wei li: qi" shui di chou shui di hu zhu shui di bao" bei cheng wei san ji huo jian, shui di hu zhu he shui di bao zuo hao shi qian bao zhang, shui di chou shi shi hou jiu zhu shui di chou shui di hu zhu cheng dan qian duan huo ke gong neng, zuo liu liang chi, ben shen bu dan fu bian xian zhi ze, shui di bao ze cheng dan shang ye mo shi he ying li dian.,, zai zhi fu bao ping tai shang, xiang hu bao qi shi ye cheng dan lei si de liu liang chi gong neng, wei zhi fu bao shang de bao xian dai lai geng duo ke hu. zhi fu bao zi liao xian shi, zai can yu diao cha de" xiang hu bao" yong hu zhong, you 62. 5 de ren biao shi ci qian mei mai guo shang ye jian kang bao xian, zhe jiu gei hu lian wang bao xian chan pin liu xia dao liu de kong jian.,,, tu pian lai yuan: shi jue zhong guo,, qing song chou bao xian shi ye qun zong jing li zhong cheng xiang ba dian jian wen ji zhe miao shu le zhe yang yi fu tu:" zai yi liao fei yong zhi chu de zhu zhuang tu shang, ge ren zhi chu zhan wei sheng fei yong zong zhan bi 28. 8, yao shi xian zhe yi bi li jin yi bu xia jiang, bi xu jie zhu shang bao de li liang.",, 28. 8 shi 2017 nian guo jia cai zheng bu fa bu de shu ju, shi xin yi lun yi gai de yi da cheng xiao zhi yi. xin yi gai zhi qian, zhe yi shu ju shi 40. 8. bu guo, zhong guo ge ren yi liao fei yong zhi chu reng yuan gao yu fa da guo jia de shui ping, jing he zu zhi cheng yuan guo de ge ren fu fei bi li ping jun wei 10.,," rang geng duo ren de you mai bao xian yi shi, mai de qi bao xian" shi zhu duo hu lian wang jian kang xian gong si de chu zhong, yi shi qing song chou zhe lei yong you bao xian jing ji pai zhao ping tai de chu zhong.,, jin liang nian, bao xian jing ji pai zhao jian guan shou jin, mei nian xia fa de pai zhao shu liang you xian, bu shao xiang yao jin ru zhe yi ling yu de gong si jun xuan ze shou gou de fang shi, qing song chou shui di chou jun shi ru ci.,, qing song chou yu 2016 nian na dao bao xian jing ji pai zhao, sui hou shang xian hu lian wang bao xian ping tai qing song bao shui di chou ze zai 2017 nian na dao pai zhao, sui hou shang xian hu lian wang bao xian ping tai shui di bao xian yi gai ming wei shui di bao xian shang cheng.,," chuan tong bao xian zong xiang zhe zuo yi lan zi mai mai, jiu shi mai yi ge chan pin yao ba suo you de feng xian ke neng dou fu gai diao, zhe yang de chan pin yi fang mian fu za, ling yi fang mian cheng ben ye gao, chuan tong bao xian yi zhi xiang shi yang chun bai xue de sheng yi.,, er hu lian wang bao xian ze ke yi gen ju yi xie she jiao chang jing she ji chu geng duo sui pian hua tiao kuan geng jian dan ming xi de bao xian chan pin lai. zhe lei bao xian de fei lv ye geng di." zhong cheng gao su ba dian jian wen, hu lian wang bao xian gei le geng duo pu tong ren you xuan ze bao zhang de ji hui.,, yi wei bao xian ping tai de shang wu fu ze ren biao shi, shui di bao xian shang cheng qing song bao zhe lei ping tai de yong hu zhuan hua lv yao gao yu hang ye de ping jun zhi. shui di chou chuang shi ren shen peng zhi qian gong kai biao shi, mu qian shui di chou 90 de yong hu shi tong guo shui di bao xian shang cheng wan cheng ge ren shou ci zai xian tou bao, fu gou yi yuan gao da 73.,, er qie, bao xian gong si ye yuan yi yu zhe lei ping tai he zuo. zhe lei ping tai tong guo da bing zhong chou wang luo hu zhu ji lei le yi ding de yong hu yi liao shu ju, you ci neng gou gen ju ke hu tong dian fan xiang ding zhi yi xie chan pin.,," xian yao wo zhu gao liu liang, zai he bao xian gong si tan pan, neng gou qu de geng gao de yong jin." shen peng gao su ba dian jian wen, ta men yu 50 duo jia bao xian gong si he zuo, shi guo nei zhong duo bao xian gong si jian kang xian di yi fen xiao ping tai, 2019 nian 6 yue fen shui di bao xian shang cheng shi xian le 5. 45 yi de jian kang xian bao fei, gong si gong si yi jing jie jin ying kui ping heng, bao xian yong jin zhan shou ru de da tou.,, zhong cheng ren wei, zuo wei yi jia hu lian wang bao xian jing ji ping tai, qi jie xia lai neng gou zhuan hua de yong hu shi ke yi bei bu duan feng fu de." bi ru cong ge ren dao jia ting, cong duan xian dao zhang xian, wo men dou ying gai ti gong geng quan mian di shang ye bao zhang, zhe ye shi wo men ji xu zhuan hua de si lu.",, jin guan shui di bao xian shang cheng qing song bao zhan ju hu lian wang jian kang xian de you shi, dan zhe bing bu dai biao qi gao zhen wu you. yi wei hu lian wang bao xian ping tai fu ze ren gao su ba dian jian wen, shui di chou qing song chou de yong hu zeng zhang yi kai shi fang huan, jie xia lai xu yao shen du wa jue yong hu xu qiu., , ben wen lai zi wei xin gong zhong hao: ba dian jian wen ID: HealthInsight zhuan gao: bo yan ze bian: zi mu

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