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Web of Proceedings - Francis Academic Press

Analysis of the Application of Blockchain in the Field of Commercial Medical Insurance

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DOI: 10.25236/icembe.2020.031


Mengle Zhang, Kaiwen He

Corresponding Author

Kaiwen He


Behind the rapid development of health insurance, the use of insurance funds faces multiple risks, such as the problem of lack of integrity which needs to be resolved urgently. Based on the insurance industry's own characteristics, adverse selection and the existence of moral hazard, this article analyzes the causes of untrustworthiness during the operation of commercial medical insurance. Combined with the technical characteristics of the blockchain, the core advantages and significance of the blockchain used in commercial medical insurance are analyzed in this article. Finally, the article prospected the future development of the combination of blockchain technology and medical insurance.


Medical insurance, Moral hazard, Blockchain, Smart contract