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영어

After 40 years of reforming and opening up, China has achieved gratifying results in economic development. In the meantime, China's current healthcare system is still unable to effectively meet the demand for high-end medical care caused by serious illnesses and accidental injuries. Furthermore, there are still a large number of low-income individuals in China who do not have comprehensive medical insurance. The medical and health online mutual aid platform is a solution to this problem, and it is a supplement and support to the medical insurance system. Online mutual aid is a combination of the traditional form of insurance and the internet. Using the information matching function of the internet, members promise to bear each other's risk of losses through agreements. At present, there are more than ten major online mutual aid platforms in the Chinese market. Since the outbreak of COVID-19 in late 2019, the online mutual aid platform, as an effective supplementary part of China's national medical insurance, has also emerged as a supporting force in this sudden outbreak. Many online mutual aid platforms temporarily include "new coronavirus - infected pneumonia" as a temporary upgrade of mutual aid. The medical and health online mutual aid platform provides services that can replace medical insurance for low-income individuals, such as serious illness relief and accidental injury, and has great potential for future development. For the above reasons, this study conducted a comprehensive analysis after collecting the latest relevant academic research materials in China. Starting from the analysis of the development background of China's medical and health online mutual aid platform industry, it focuses on the development status of China's online mutual aid platform industry and the cases of China's most representative online mutual aid platform operating enterprises. Based on the research on the development status of China's medical online mutual aid platform, the main problems of China's current online mutual aid platform industry are derived, and the future prospects for development of the industry are analyzed. Finally, from the perspective of promoting the development of similar industries in Korea, this paper suggests that the development of China's online mutual aid platform industry can inform a similar industry in Korea.