Instant Online Insurance Claims_Blockchain + Online Commercial Insurance Claims

Instant Online Insurance Claims

Instant Online Insurance Claims aim to provide more reporting channels for policyholders and facilitate insurers' access to relevant electronic bills and medical records, accelerating the adoption of smart insurance. This solution establishes a data exchange platform for e-bills and e-medical records, creating an integrated service model that combines healthcare and insurance for customers, significantly improving the claims experience.

Leveraging "Blockchain + Online Commercial Insurance Claims," it builds a data bridge for electronic bills and medical records, establishing a new paradigm for customer treatment and insurance settlement.

Industry Pain Points

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Long Cycle & Complex Process

The claims process is lengthy, requiring multiple in-person visits. Filing claims from different locations is particularly difficult due to complex procedures.

High Risk of Duplicate Claims

Information asymmetry creates a risk of the same incident being claimed across multiple insurers.

High Labor Costs & Low Efficiency

Offline claim verification requires insurers to manually confirm information with multiple hospitals, leading to high labor costs and inefficiency.

Value Proposition

Data Sharing

It breaks down data silos between e-bills and e-medical records, enabling seamless data flow within insurers' core systems to fully unlock data value.

User Privacy & Security

It ensures secure and controlled sharing of bill and medical record information during authorization and processing, fully protecting user privacy.

Fast Claims Settlement

Policyholders can file claims via mobile devices. Insurers can process them rapidly using shared data, resolving issues like long cycles and repeated document checks, thus enhancing the customer experience.

Prevent Duplicate Claims

Once a bill is locked for a claim, it cannot be reused for another, reducing its circulation and minimizing duplicate claim possibilities.

Data Sharing

It breaks down data silos between e-bills and e-medical records, enabling seamless data flow within insurers' core systems to fully unlock data value.

User Privacy & Security

It ensures secure and controlled sharing of bill and medical record information during authorization and processing, fully protecting user privacy.

Fast Claims Settlement

Policyholders can file claims via mobile devices. Insurers can process them rapidly using shared data, resolving issues like long cycles and repeated document checks, thus enhancing the customer experience.

Prevent Duplicate Claims

Once a bill is locked for a claim, it cannot be reused for another, reducing its circulation and minimizing duplicate claim possibilities.

Solution Architecture

Customer Cases

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Shangyu Blockchain + Commercial Insurance Claims

The project was jointly developed by Shangyu local government agencies under provincial guidance. Piloted at Shangyu People's Hospital, it integrates hospital e-medical records with government e-bill data. Through data sharing and process re-engineering, it auto-fills personal details and shares e-records and invoices, enabling one-click online applications, fast reviews, and timely payments, greatly boosting efficiency. Historical claim tags prevent duplicate filings, while blockchain technology secures data on-chain, ensuring limited and safe sharing of sensitive information and protecting personal privacy.

The project was jointly developed by Shangyu local government agencies under provincial guidance. Piloted at Shangyu People's Hospital, it integrates hospital e-medical records with government e-bill data. Through data sharing and process re-engineering, it auto-fills personal details and shares e-records and invoices, enabling one-click online applications, fast reviews, and timely payments, greatly boosting efficiency. Historical claim tags prevent duplicate filings, while blockchain technology secures data on-chain, ensuring limited and safe sharing of sensitive information and protecting personal privacy.