p 3 10； Effective intervention methods for the insured's diagnosis and treatment process: 1) By preventing the occurrence of diseases, delaying the development of diseases, reducing the incidence of diseases and reducing the incidence of insurance accidents to a certain extent; 2) Strengthen the insured's understanding of health knowledge and medical institutions by providing health guidance and medical intervention, alleviate the information asymmetry between doctors and patients, improve the rationality of medical service providers' diagnosis and treatment, and avoid abusing diagnosis and treatment technology and prescribing; 3) By providing high-quality health consultation and guidance services, part of the medical care needs of the insured can be solved, and unnecessary diagnosis and treatment behaviors can be reduced. Colleagues can effectively improve the quality of life and satisfaction of the insured and avoid moral hazard.