Smart health insurance is an information technology-based health insurance model, through the use of big data, artificial intelligence and other technological means to achieve the optimal allocation of medical resources and intelligent management of medical services. Compared with ordinary medical insurance, smart medical insurance uses advanced information technology to provide more efficient and convenient medical services; it also realizes risk assessment and disease management through data analysis and prediction, improving the effectiveness of protection; it also promotes the synergistic cooperation between medical institutions and medical insurance institutions, and improves the utilization efficiency of medical resources. The implementation of smart health insurance can improve the quality and efficiency of medical insurance and provide better medical services for the insured. Therefore, smart health insurance is not the same as ordinary health insurance.