Smart Medical Insurance App is a mobile App that provides insured persons with a series of services such as medical treatment, drug purchase, payment, and personal health. It aims to improve the service level and capabilities of the medical insurance public service, solve hot and difficult issues in people's livelihood, promote the innovative development of human resources and social security, and create a safe, convenient and intelligent Internet + human and social ecology. The use of smart medical insurance is mainly divided into two major steps: downloading and installing the App and real-name authentication, as follows: Step 1: Download and install the App. 1. The user searches for "Smart Medical Insurance" or scans the QR code below the WeChat official account article to download and install the App; 2. After entering the registration interface, fill in the name, ID number, mobile phone number, mobile phone verification code, and set 6-15 digits App login password that is a combination of letters and numbers; 3. Verify the insured person’s identity information to see if he is a medical insurance insured person. After verification, enter the insured person’s real-name authentication page. Step 2: Add the main card binder and perform real-name authentication. Two authentication methods, "face brushing" and "financial account" are provided, and insured persons can choose either method for real-name authentication. The goals of the smart medical insurance system: 1. Standardize diagnosis and treatment behavior and help medical staff understand medical insurance policies. 2. Improve review efficiency and improve the work efficiency and management level of medical insurance and medical staff. 3. Standardize the use of funds to avoid unnecessary medical insurance deductions. Pinpoint the source of the problem. Refined management reduces the management risks of medical institutions. 4. Change the management model to help the hospital formulate a more reasonable indicator management strategy at the beginning of the year, and provide real-time monitoring and early warning of the indicator operation process, so as to promote the hospital's transformation to pre-event strategy formulation, mid-event indicator control, and post-event strategy adjustment.