On January 11th, the National Healthcare Security Administration issued a notice to carry out the pilot application work for the construction of the "Personal Healthcare Security Cloud". From February to December this year, the pilot construction of the "Personal Healthcare Security Cloud" will be carried out in some areas, exploring the construction of a new smart healthcare management model that covers the whole population, the whole cycle, and the whole scene. The National Medical Insurance Administration requires pilot areas to build a provincial (municipal) "personal medical insurance cloud" based on the national unified medical insurance information platform. Comprehensively gather core data on diagnosis, treatment, settlement, and use of drugs and consumables from designated medical institutions within the region. 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 data and out of hospital health sensor data. In the current era of rapid technological development, the digital wave is sweeping across various fields, and the medical insurance industry naturally cannot remain unaffected. In the past, medical insurance management relied heavily on traditional manual operations and paper records, which were inefficient and prone to errors. With the continuous advancement of information technology, the medical insurance system has gradually achieved informatization, but there is still a certain gap from true intelligence. The "Personal Medical Insurance Cloud" conforms to the trend of the times, further deepens reforms on the basis of existing medical insurance information platforms, and promotes the digitization and intelligence of medical insurance management. The main function of medical insurance in the past was to reimburse expenses after people get sick and seek medical treatment, which belongs to post compensation. However, the "Personal Medical Insurance Cloud" comprehensively aggregates various medical data, including diagnosis and treatment information from designated medical institutions, health data recorded by wearable devices, etc., and can build detailed personal medical insurance health records for insured persons. It can not only integrate past medical history, surgical history, allergy history and other information, but also update health monitoring data in real time. Based on these data, the system can provide health risk alerts for insured individuals, reminding them to pay attention to potential health issues and achieve proactive prevention. In the process of disease treatment, medical insurance can also provide medical references for insured persons based on real-time data, helping them choose more suitable treatment plans. There are still many functions to be developed in the "Personal Medical Insurance Cloud", such as the difficulty faced by travelers in emergency treatment due to unclear information about the patient, which has led to pedestrians being afraid to come forward for emergency treatment or adopting incorrect emergency methods. The 'Personal Medical Insurance Cloud' integrates comprehensive health data of patients, and in emergency situations, doctors can quickly access relevant information of patients through the system, buying valuable time for rescue. In addition, personal health data collected by wearable devices, home intelligent monitoring devices, etc. can be quickly uploaded to the cloud, which is conducive to taking measures in advance and implementing emergency treatment quickly. This will have a positive and far-reaching impact on pre hospital emergency treatment and home elderly health monitoring. Of course, the 'personal medical insurance cloud' involves a large amount of personal health data, and data security and privacy protection should also be taken seriously. A strict data security management system must be established, using advanced encryption technology to ensure the security of data during transmission and storage. In addition, there may be differences in data standards among different regions and medical institutions, and it is necessary to develop unified data standards, strengthen coordination and cooperation among departments, and break down data barriers. For some older individuals with lower acceptance of new technologies, guiding them to use the 'personal medical insurance cloud' is also a challenge, and relevant publicity and training work needs to be carried out. The 'personal medical insurance cloud' is not only an important achievement of the digital reform of medical insurance, but also a powerful measure to improve the quality of medical services and ensure people's health. The "Personal Medical Insurance Cloud" takes convenient medical treatment to a new level and will bring more convenient, efficient, and high-quality protection and services to the vast number of patients. (New Society)