On January 11th, the National Healthcare Security Administration issued a notice on the pilot application work for the construction of the Personal Healthcare Security Cloud, deciding to carry out the pilot application work for the construction of the "Personal Healthcare Security Cloud". From February to December 2026, the pilot construction of the "Personal Healthcare Security Cloud" will be carried out in some areas, exploring the construction of a new paradigm of smart healthcare management that covers the entire population, cycle, and scenario.

The pilot program mainly includes three aspects: firstly, deepening the governance of medical insurance data, based on the national unified medical insurance information platform, comprehensively and in real time aggregating and governing the core business data of designated medical institutions in the region, such as diagnosis and treatment, settlement, and use of drugs and consumables, establishing a normalized data quality control and governance mechanism to ensure the authenticity, accuracy, and completeness of data.

Secondly, we will expand the sources of medical insurance data, explore the aggregation of public health, health management and other data in accordance with laws and regulations, and focus on docking and processing wearable devices, home intelligent monitoring devices, physical examination institution data, etc., to promote the effective integration of "in-hospital medical settlement point data" and "out of hospital health sensor period data".

Finally, a dynamic multidimensional profile is constructed using data analysis techniques to create a multidimensional personal profile for insured individuals, which is dynamically updated.

In terms of building dynamic multidimensional profiles, the Notice proposes to use data analysis technology to construct multidimensional personal profiles for insured persons and dynamically update them. Including personal medical insurance health records, integrating past medical history, past surgical history, allergy history, diagnosis and treatment records, health monitoring data, etc., supporting health risk warning and medical reference; Personal medical insurance financial records, integrating insurance payment, medical expenses, account income and expenditure, etc., providing cost analysis and medical security recommendations; Personal medical insurance information archives collect basic information, family relationships, credit records, etc., to support service association and credit system construction.

At the same time, based on the personal medical insurance file data mentioned above, data analysis techniques are used to provide a comprehensive overview of personal medical insurance profiles for insured persons, comprehensively summarize the situation of enjoying medical security services, and propose personalized health recommendations.

Personal medical insurance cloud refers to building an exclusive and secure online medical insurance service space for each insured person based on a unified national medical insurance information platform. This' cloud 'space will integrate core data such as insured information, payment records, medical settlement details, personal account balances, electronic vouchers, etc. of insured persons over the years, and provide a unified query, processing, and payment entrance. The pilot work will be launched first in some areas with good information technology foundation and strong service capabilities, exploring replicable and promotable construction and operation models.

For a long time, when handling medical insurance business, the public often faces problems such as cross regional information barriers, duplicate submission of materials, and queuing at the window. The construction of personal medical insurance cloud is aimed at solving these pain points. In the future, insured individuals can log in to their personal medical insurance cloud through mobile apps, mini programs, and other channels, and handle most of the business such as insurance registration, relationship transfer, remote medical record filing, and expense settlement anytime and anywhere, achieving the goal of "more data running, less errands for the masses".

Industry experts point out that security is the top priority in the construction of personal medical insurance cloud. It is reported that the platform will adopt strict data encryption technology, privacy calculation, and authorization access mechanism to ensure the security of personal information and medical data of insured persons. All data access and business operations will be traceable and subject to comprehensive supervision to prevent information leakage and abuse. Insured individuals have the right to be informed and have control over the data within their "cloud" space.

In addition to convenient business processing, the personal medical insurance cloud will also explore more innovative services. For example, based on personal health and medical data (with full authorization and protection), provide personalized health management advice, medical expense analysis, precise push of medical insurance policies, etc. This not only enhances the experience and sense of gain for insured individuals, but also provides data foundation and technical support for future reforms in medical insurance payment methods, refined fund management, and the development of commercial health insurance.

Experts point out that launching the pilot of personal medical insurance cloud is a key step in deepening the reform of the medical security system. It is not only a change in service form, but also an upgrade in governance philosophy, shifting from "institution centered" to "insured centered". By building a nationwide integrated online service system, it helps to narrow the gap in medical insurance services between different regions, promote equalization of basic medical insurance public services, and provide digital solutions for addressing multiple challenges such as population aging and chronic disease management.

For ordinary people, the convenience brought by personal medical insurance cloud is tangible. Imagine that when you need to handle medical insurance business, you no longer need to rush between different departments. Just tap your phone or computer, log in to the medical insurance cloud platform, and you can easily get it done. Moreover, due to the centralized management and intelligent analysis of data, the medical insurance department can more accurately grasp the fund's income and expenditure situation, formulate reasonable policies, prevent fraudulent insurance practices, and ensure the safe and sustainable operation of the medical insurance fund.

It is understood that the pilot work will be carried out in steps and stages. The initial focus is on breaking down data barriers, consolidating basic service functions, and ensuring the stable and secure operation of the system. Subsequently, based on feedback from the pilot program, we will gradually expand our service scope, introduce more intelligent applications, and study deep collaboration with other government service platforms and medical institution information systems. The National Healthcare Security Administration requires each pilot area to carefully organize and ensure the effectiveness of the pilot, accumulating valuable experience for nationwide promotion.

It can be foreseen that as personal medical insurance cloud goes from pilot to popularization, every insured person will have a portable "medical insurance manager", and medical reimbursement will become simpler, more transparent, and intelligent. This is a concrete manifestation of the medical security field's adaptation to the development of the digital age and the implementation of the people-centered development concept, which will also inject strong digital power into the improvement of China's multi-level medical security system.