"Why charge hospitals identified only cash, refused to charge?" Reflects Ms. Lee said that once to the hospital, because with enough money, the hospital can not credit card, which led her to find ATM machines everywhere. When she found the money back after ATM machine, the doctor said if further delayed, the patient would be life threatening.
Now
In Beijing, the credit card spending already become a common way of daily life, shopping, eating, and paid by credit card can be achieved, greatly facilitate the people's lives. However you want to credit card settlement in Beijing hospitals for medical expenses, it is pieces of "difficult": whether it is a cold coughs or surgical hospital, almost all need to take cash doctor.
Doctor who carry large amounts of cash to the hospital, but also brings an opportunity for criminals eager to see the doctor and the loss of vigilance often be targeted by criminals. At the same time as the health care system in the capital of the country leading hospitals, medical treatment come from all over the country, in this case, the inconvenience of getting cash doctor prominently displayed. One can imagine that, for hospitals, the credit card billing to facilitate their work, and reduce the possibility of the hospital received counterfeit. So what is the reason for allowing the hospital to check out credit cards so difficult, but a hard on for years.
Stuck in the hospital fee credit card
Back in June 2003, under the impetus of the Government, Beijing Municipal Health System 9 hospitals in the city launched a "barrier-free credit card spending," the pilot, and subsequently installed in 69 hospitals in the bank POS machine, you can accept CUP card-related 65 kinds. Paying credit card beginning in the promotion of 3 months, bank card fees waived hospital, but three months later, when the hospital needs to pay credit card charges to the bank, the hospital's POS machine coincidentally "failure", card delivery Hospital costs also gradually stopped.
Survey, a Beijing hospitals of turnover is generally four to five billion yuan, according to Bank of 1% or 2% of the standard handling charge, then have to pay the hospital charges a year-ray or 1000 5000000 million. In accordance with the provisions of the Bank, this cost can not be charged to the card holder, this way the burden is greatly aggravated the hospital. Clearly, hospitals and banks, credit card fees, which spans between the implementation in hospitals "credit card consumer accessibility" in the biggest obstacle.
After that, though many hospitals have installed ATM machines, but the use of ATM machines in hospitals are not uniform and, according to the provisions of cross-bank transactions, if the ATM machine on the cross-bank transaction, then each transaction must be to the consumer a certain amount of fees charged, which means that patients with "convenience" is money (fees) to buy back the hospital charges resulting from credit card charges to intangible transfers among those who seek treatment.
Also, because ATM machines are occupying hospital sites, so their bank ATM machine to the hospital each year to pay a rental to supplement the hospital. At the same time, ATM machine in the amount of cash with limited bare once taken can not be used. Therefore, the ultimate expense of the doctor who was anxious to withdraw money, they do not get real benefits.
Early last year, Bank of Beijing hospital POS machine free of charge, in the city's 20 municipal hospitals to install a Beijing bank's POS computer system, and gradually put into use in Beijing, people in the hospital card spending has finally become a reality.
Settlement rate as the bottleneck
With the Bank of Beijing Hospital, the introduction of POS machines free of charge, the hospital seems to have transfer credit card problem. However, only the Bank of Beijing is also the bank card credit card settlement in the hospital. In response, Bank of Beijing in a staff that, while progress is not clear, but I think other banks will also be added in the future of.
In addition there is news that Nanjing "CUP" back in May 2004 on the reduction of the banks nonprofit hospitals spending 1% of all credit card chargeback rate, to 3 鈥? in order to encourage more hospitals to join United Bank Card business, so the public can hold any bank issued credit card bank card to pay medical expenses in the hospital. The move to Nanjing, Beijing Hospital, the difficult problem card provides a good experience.
Since the charge of the barrier has been broken, then the hospital card situation like? Reporter learned from the Bank of Beijing, although the hospital can make credit card settlement, but the use of POS, penetration is not high, people go see the doctor also practice of using cash. Hospital administrators also a sense of problems, the hospital did not actively promote the use of card payment.
Survey, although some hospitals to support credit card billing, credit card payment but the overall situation is not satisfactory. At the peak, only out-patient payment transaction volume also 1 / 10, most people still used the cash payment.
Remove members of the public outside the credit card used for the hospital, the bank card, credit card billing is also the use of slow penetration of the main reasons is difficult to climb. In this regard, Qu Jianguo Beijing Public Health Information Center, professor explained that the large flow of hospital visits and some hospital visits and even flow of about 7,000 people per day. General hospitals are required to complete a medical treatment for each person 45 seconds settlement, but the use of bank card settlement will greatly exceed this time, which caused excessive use of bank card clearing settlement efficiency but will reduce the hospital.
In addition, Professor Watt also said that Beijing's hospitals for more than 2 100 for each two hospital contributory window 10 to 15; three hospitals from 20 to 30, the window of 20 to 30. Faced with such a huge settlement data, if we use a bank card settlement, bound to have a banking system and higher requirements. Professor Qu a certain point of view of staff in Bank of Beijing Office also confirmed. The staff said: From the banks point of view, to further ensure system security and improve settlement processing speed, is the real easy way to patients in the hospital card.
As a life-saving powerhouse, hospitals bear the burden of social responsibility can not shirk, and if the payment method and the problem of delayed patients ask their physician for illness, the seriousness of its consequences is self-evident. Bank of Beijing, told reporters the staff, banks and hospitals both sides should actively communicate details of cooperation, both sides should be people-oriented service based on the foundation, so that many problems will be solved.
The way credit card visits
With the use of bank cards in the hospital were "blocked", the recent years, many hospitals have launched their real names attendance card. The card has a pre-deposit services. This feature allows patient visits a certain amount of money before the doctor card deposit in advance, in the doctor's 杩囩▼ doctor can use the card Jiesuan, Bubi Zaiweizhongfu payments, billing and other slower trouble. It is reported that patients only need to apply for an attendance card real name is designated price, make payments and other hospitals for contributory processes could be quickly resolved.
The question is whether the hospital has a similar financial institutions such authority, it deposits in patients with pre-absorbed? This, Professor Watt said that the current laws and regulations and does not specify the hospital can do, of course, does not specify the hospital prohibited this .
However, the hospital doctor real name cards, there are still many problems. First of all, the real names of all hospital visits card independent of each other, do not communicate with each other; Second, for emergency or non-card field for patients, they also handle temporary; again, the lack of a unified real-name doctor card financial support and management; Finally, the real name on the attendance card in the laws and regulations is also a lack of support. Therefore, the real name card visits a pilot project in Beijing, and no further extension.
Professor Watt told reporters that Beijing hospital card view of the current confused state earlier this year to make the Beijing Municipal Government intends to rectify this, plans to build a unified card center in Beijing, service systems and management, and uniform provided by the Beijing Municipal Government financial support to ensure project implementation. The new attendance card issued by Beijing residents will identify each unique ID number, to ensure true real-name system. For overseas patients, they can apply for the temporary card. Unity will be modified through the system, and gradually compatible with the original card in various hospital doctor real name and provide identification, record attendance processes, prepaid payment settlement eight businesses. With the attendance card mature and will further join the social security and civil affairs functions, real card. The POS machines for banks, hospitals will be reserved for a small number of large medical expenses for the settlement. Currently, the plan approval process is expected to begin by 2008 card free of charge to Beijing residents, from 2008 started the construction of the project.
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