Smart medical insurance is a new business model in the field of medical insurance in recent years, which can be said to be a product of organic integration of information technology and insurance industry. It mainly applies technical means such as big data, cloud computing, artificial intelligence, etc., aiming to improve the efficiency and quality of medical insurance services, and promote the reform and innovation of the medical and healthcare system. The main functions of smart health insurance include:1. Establishment of electronic health records: Record personal medical information, historical consultation records, etc. in the electronic file, which is convenient for healthcare institutions*** to enjoy and query, and improves the quality of healthcare services.2. Realization of medical expense settlement: Through the smart health insurance platform, online settlement and reimbursement of medical expenses is realized, which improves the efficiency and accuracy of the healthcare insurance services.3. Mobile payment: Smart MediShield can also realize online mobile payment, which is convenient for participants to make off-site medical insurance payment and book appointments for registration, etc. 4. Appointment for medical services: The Smart MediShield platform can provide information inquiry and appointment functions for doctors, hospitals, departments, etc., so that participants can obtain high-quality medical services in a more convenient way. At present, the scope of use of smart medical insurance is gradually expanding, mainly including basic medical insurance, major disease insurance, commercial medical insurance, civil servant medical insurance and so on. Meanwhile, smart medical insurance has played an important role in medical insurance management, medical insurance services, medical insurance payment and other aspects, becoming an important hand in the reform of the medical insurance field.
How does the smart health insurance platform protect personal privacy and information security? In the construction of the smart health insurance platform, data protection regulations should be strictly observed to ensure personal privacy and information security. Specific measures include: the use of multi-level data encryption means to ensure that personal information is not stolen or tampered with; the establishment of a sound information security management system to ensure the integrity and reliability of information security; strict control of data access privileges, standardize the use of data and *** enjoyment and so on.
Intelligent health insurance is an important development direction in the field of medical insurance, the organic combination of big data technology and health insurance services, while improving the efficiency and quality of health insurance services, for the promotion of health care system reform and innovation has also played a positive role in promoting. At the same time, in the construction process of intelligent health insurance, it is necessary to give full consideration to the issues of data protection and information security, to ensure that the rights and interests of the insured are effectively safeguarded.
Legal basis:
Article 42 of the Law of the People's Republic of China on Medical Insurance The medical insurance organization shall establish and improve the intelligent medical insurance information system, and promote the interconnection of medical insurance information across regions and departments.