Author(s)

Hou Limin, Yan Jianmin

Corresponding Author

Hou Limin

Abstract

In the field of current medical insurance, patients, medical institution and insurance provider have formed a triangular. However, there are inefficiencies and complex services in every interaction. Therefore the idea of applying block chain technology in the field of medical insurance is put forward. Compared with the existing technology, block chain technology has its characteristics which include collective maintenance, time series data, decentralization, programmable, safe and reliable. So it is more suitable for the requirements and development of the field of medical insurance. This method is based on block chain technology. On the one hand, the relevant data records are distributed and stored on the block chain. It ensures that data security and data cannot be distorted, and avoids contract disputes. Secondly, medical institutions and insurance companies share accounts, which realize medical data sharing. It facilitates patients visit and insurance companies check. Finally, automatic claim payment and award can be realized by using intelligent contracts effectively. It is designed to improve the efficiency and reduce the time-consuming of the operation process of medical insurance.

Keywords

Block chain, medical insurance, intelligent contract, distributed storage, decentralization