Research and design of medical data sharing and insurance automatic claim system based on blockchain technology
Yuan Chen, Heng He, Jiacheng Zheng · BCP Business & Management · 2022
In recent years, blockchain technology has been applied to various business scenarios with its characteristics of decentralization, openness, self-consistency and information immutable. In the medical insurance industry, disputes often occur between insurance institutions and policyholders due to inaccurate personal information and different confirmation of contract terms. With the digitalization of medical information and the rapid development of science and technology, insurance claim settlement schemes based on blockchain and homomorphic encryption can enable the hospital, the insurance institution and policyholders to establish a trusted mechanism, which can ensure the authenticity and security of the policyholder's personal information and the validity of the contract. The scheme combines Paillier homomorphic encryption and blockchain smart contract while designing access control list to control patients' data. In the scenario of insurance claim settlement, it can not only protect the privacy of patients' medical data, but also ensure the correct settlement result of insurance claim.