JP2004280860A - Medical expense information providing system and medical expense information providing server - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a medical expense defraying amount calculation system and a medical expense defraying amount calculation method capable of rapidly and easily providing effective information related to medical settlement to an insured person, a medical organization, an insurance underwriter and the like, and of improving a problem area relating to the medical settlement. <P>SOLUTION: This application is used for providing, to a calculation agency, information for obtaining the defraying amount defrayed by a defrayer or a predetermined patient himself or herself defraying at least part of the medical expense to a medical action applied to the predetermined patient in a medical organization. The calculation agency receives patient information and medical action information from the medical organization via a communication line, and obtains information with the defrayer related to a defraying ratio for the defrayer to defray a part of the medical expense according to a variety of medical actions, and the defraying amount defrayed by the defrayer or the predetermined patient or information for calculating the defraying amount based on the received patient information and the medical action information. The obtained information is presented to the defrayer or the predetermined patient via the communication line. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a medical cost burden calculation system for calculating a medical cost burden amount, which is borne by a patient or a medical cost bearer other than a patient, and a medical cost burden amount calculating method.

Conventional technology

  Generally, a part of medical expenses charged to a patient may be borne by an insurance company or the like. In such a case, the medical expenses are settled, for example, in such a form that the patient once pays the bill from the medical institution and the insurance company pays the patient's own burden at a later date.

  On the other hand, in recent years, insurance services based on the conditions of each insured person, such as providing a difference in the insurance burden ratio between smokers and non-smokers, have been desired. Is being transformed.

  Under such circumstances, in order to further promote the diversification of insurance services or medical services, a system capable of acquiring necessary information from the standpoints of insured persons, medical institutions, insurance companies, and the like is necessary. .

  Also, for example, the waiting time for medical expenses settlement at a medical institution often becomes long. Further, when changing the partial burden of the medical expenses, it is necessary to submit various documents such as a medical certificate of a doctor, which is inconvenient. Improvement of these problems related to medical cost settlement has long been desired.

  The present invention has been made in view of the above circumstances, and can provide effective information about medical settlement to insured persons, medical institutions, insurance companies, and the like quickly and easily. It is an object of the present invention to provide a medical expense burden calculation system and a medical expense burden calculation method that can be improved.

  The present invention employs the following means to achieve the above object.

  A first aspect of the present invention is a medical information providing system including a first computer system and a second computer system connected to a network, wherein the first computer system is connected to the second computer system. On the other hand, in order to request medical expenses information including a bearer who bears a part of medical expenses related to various medical acts in a desired medical institution and a burden ratio or an amount paid by the bearer, the medical institution and Means for transmitting information regarding medical practice via the network; means for receiving the medical cost information transmitted from the second computer system via the network in response to the request; The computer system includes the medical institution transmitted from the first computer system and the medical institution. Means for receiving information on medical practice through the network, a first database storing the medical practice, the burdener, and the burden ratio or burden in the medical institution in association with each other; Extracting means for receiving a request for cost information, searching the first database in response to the request, and extracting the medical cost information corresponding to information on the medical institution and the medical practice, and the extracted medical cost information Transmitting means for transmitting information to the first computer system via the network.

  A second aspect of the present invention is a network, a medical information providing system, a user system, a burdener who bears a part of medical expenses related to various medical activities in a medical institution, and a burden ratio or burden paid by the bearer. A database storing medical cost information including an amount, and a medical cost information providing method utilizing the medical cost information, wherein the user system provides information on medical practice at a desired medical institution via the network. Transmitting the request for the medical cost information from the user system by transmitting information to the medical cost information system at the desired medical institution; and transmitting the medical cost information system to the medical cost information system. Searches the database in response to the request for medical cost information, and transmits the transmitted desired medical doctor. Extracting medical cost information corresponding to information on medical practice at the institution, and generating a list listing the extracted medical expense information in association with the medical institution, medical practice, burdener, and burden ratio or burden amount And transmitting the list to the user system via the network.

  A third aspect of the present invention is a medical cost information providing server for providing medical cost information relating to a specific medical practice at a desired medical institution to a user system via a network, wherein the user is provided via the network. By receiving the information on the medical practice at the medical institution transmitted from the system, receiving means for accepting the request for the medical cost information, and the medical practice at the medical institution, the payer and the medical cost information on the burden ratio or burden amount A database that is stored in association with the database and searches the database in response to the request for the medical cost information, extracts the medical cost information corresponding to the transmitted information on the medical practice at the desired medical institution, via the network Providing means for providing to the user system by using Is a broadcast providing server.

  According to such a configuration, it is possible to quickly and easily provide effective information regarding medical settlement to an insured person (patient), a medical institution, an insurance company, and the like. Further, it is possible to quickly and easily realize a change in an insurance company, a change in the medical expenses burden ratio, and the like. Further, it is possible to reduce the waiting time for medical expenses settlement at a medical institution.

  According to the present invention described above, it is possible to quickly and easily provide effective information on medical settlement to an insured person (patient), a medical institution, an insurance company, and the like. Further, it is possible to quickly and easily realize a change in an insurance company, a change in the medical expenses burden ratio, and the like. Further, it is possible to reduce the waiting time for medical expenses settlement at a medical institution.

  Embodiments of a medical cost burden calculation system according to the present invention will be described with reference to the drawings. An important point of the present system is that the burden amount of the bearer who bears a part of the medical expenses for the medical practice performed on the predetermined patient and the burden amount borne by the patient can be quickly and quickly using the communication line. The idea is that it can be easily calculated and the information on the amount of the burden can be promptly and easily provided to the parties involved in the settlement of medical expenses. Further, according to the present system, it is possible to quickly and simply settle medical expenses based on the calculated burden amounts. Hereinafter, each embodiment will be described focusing on the medical expenses burden calculation processing, provision of information on the burdens, and the medical expenses settlement processing based on the calculated burdens. In the following description, components having substantially the same functions and configurations are denoted by the same reference numerals, and repeated description will be made only when necessary.

(1st Embodiment)
First, the configuration of the medical expenses burden calculation system according to the first embodiment will be described with reference to FIG.

  FIG. 1 is a schematic configuration diagram of a medical expense burden calculation system 1 according to the first embodiment.

  As shown in FIG. 1, a medical cost burden calculation system 1 includes a first system 3 deployed on a computer network of a medical institution and a second system 5 deployed on a computer network of a burden calculator. And a third system which is a network system such as a LAN, a WAN, and the Internet for connecting the first system 3 and the second system 5. Hereinafter, each of the first, second, and third systems will be described.

(First system)
The first system 3 is a system deployed on a computer network of a medical institution. The first system 3 includes, for example, a patient information input device 30, a medical expenses database 31, and a medical expenses management server 32.

  The patient information input device 30 is an input device for inputting information about a patient, such as information for uniquely specifying a patient. For example, the present embodiment employs a reading device 300 for reading data from a portable electronic storage medium 301 in which a patient ID is stored and transferring the data to the medical expense management server 32. However, the present invention is not limited to this, and a configuration in which manual input is performed using, for example, a keyboard or a mouse may be employed. As a portable electronic storage medium, for example, an IC card, a magnetic card, or the like can be used. In this portable electronic storage medium, in addition to a patient ID for uniquely identifying a patient, information on the patient such as a patient name and a date of birth of the patient is stored.

  The medical expense database 31 stores, for each patient, medical care performed, costs required for the medical care, information on the date when the medical care was performed, and the like (hereinafter, referred to as “patient information”).

  The medical cost management server 32 reads the patient information of each patient read by the reading device 300, the billing information of the medical cost for each patient stored in the medical cost database 31, and other information as needed. The provided insurance information or the like is provided to a server or terminal of another system to be described later via the third system.

(Second system)
The second system 5 is a system developed on a computer network of a burden calculation company. The second system 5 includes a burden amount calculation information database 50, a medical institution information database 51, a settlement result information database 52, and a medical cost calculation server 53.

  The burden amount calculation information database 50 stores the patient, the burdener who bears at least a part of the medical expenses for the medical practice received by the patient (in the case of a plurality, the burdener, ) And the like, and the amount of the burden, etc. are calculated. The payer of medical expenses refers to a person (natural person or corporation) or an organization that bears part or all of the medical expenses received by the patient instead of the patient. Specifically, a hospital, an insurance company, a national or local government, etc., which actually performed medical treatment for a patient can be considered.

  2A, 2B, 2C, and 2D are diagrams schematically illustrating examples of calculation information stored in the burden amount calculation information database 50, respectively. FIG. 2A shows an example of hospital burden information indicating which medical institution (for example, a hospital) bears which medical practice and how much. FIG. 2B shows an example of insurance burden information indicating which insurance company bears which medical practice and how much. FIG. 2C shows an example of detailed information on each patient. FIG. 2D shows an example of detailed information about each burdener.

  The medical institution information database 51 stores the type of payment method for each medical institution and detailed information thereof.

  FIG. 3 shows an example of medical institution information stored in the medical institution information database 51. As shown in FIG. 3, information such as the type of payment method and the handling financial institution is stored as medical institution information for each medical institution.

  The settlement result information database 52 stores settlement result information managed by, for example, an ID assigned to each reception. The settlement result information includes reception information (reception ID), payment information to a medical institution (for example, payment amount, payment status, payment date, etc.), and billing information to a medical expense bearer (billing address, billing amount, billing amount). Status, receipt status, etc.).

  4A, 4B, and 4C show examples of medical institution information stored in the settlement result information database 52. FIG. FIG. 4A shows an example of the settlement result information arranged so that the patient, the examination item received by the patient, the fee, and the like can be understood for each reception. FIG. 4B shows an example of payment result information in which medical expenses payments and the like to a medical institution, which have been provisionally settled by the calculator, are arranged for each reception. FIG. 4C shows an example of the settlement result information in which the billing destination and the payment status for each inspection are arranged for each reception.

  The medical cost calculation server 53 manages the medical cost burden calculation system, and has, for example, the following configuration.

  FIG. 5 is a diagram showing a schematic configuration of the medical cost calculation server 53.

  As shown in FIG. 5, the medical cost calculation server 53 includes a CPU 530, a medical cost request receiving unit 531, a medical cost calculating unit 532, a medical cost paying unit 533, a burden amount calculating unit 534, and a medical cost claim unit 535. ing.

  The CPU 530 is control means for controlling the entire medical cost calculation server.

  The medical expense request accepting unit 531 accepts a medical expense payment request from a medical institution. That is, the medical cost request receiving unit 531 receives information for uniquely specifying a patient and information on the medical cost request made for the patient (hereinafter, referred to as a medical cost request) from the medical cost management server 32 on the computer network of the medical institution. "Medical billing information"). Further, when insurance is applied to the payment of medical expenses, the medical expenses claim receiving means 531 also receives, from the medical expenses management server 32, information on the insurance that the patient has subscribed to.

  The medical cost calculation unit 532 calculates the amount to be paid to the medical institution by a predetermined calculation in response to a request for medical expenses from the medical institution to the medical cost calculating company.

  It should be noted that the medical institution does not have to necessarily claim the medical expenses to the medical expenses calculator by the amount actually paid to the medical institution. For example, the cost may be calculated by multiplying the amount paid by the medical cost calculator to the medical institution by a certain constant, or a certain conversion method may be performed with a predetermined number of points. That is, any method may be used as long as there is a correspondence that can specify the amount actually paid to the medical institution.

  FIG. 6 is a diagram for explaining an example of the payment burden calculation process executed by the medical cost calculation unit 532.

  As shown in the upper part of FIG. 6, the billing cost (2000 yen) from the medical institution and the medical cost paid to the medical institution (2000 yen) correspond to each other in a simple manner, or points (for example, 200 For example, there may be a case where the medical expenses (2000 yen) to be paid to the medical institution are associated with each other. The contents of the calculation process performed by the medical cost calculation means 532 may be determined in advance between the medical institution and the burden calculation company.

  The medical expense payment means 533 makes a provisional settlement corresponding to the calculated fee to the medical institution. For example, an instruction to transfer each medical cost calculated by the medical cost calculating means 532 to each medical institution is transmitted to a financial institution or the like using a communication line.

  The burden calculation means 534 calculates the medical expenses to be charged to each payer from the information on the medical practice and the medical expenses received from the medical institution and the information of the burden calculation information database 50 (see FIGS. 2A to 2D). I do. That is, the burden calculation unit 534 determines each burdener and patient from the medical expenses to be paid to the medical institution calculated by the medical cost calculation unit 532 and various information stored in the burden calculation information database 50. Calculate the amount of each burden.

  For example, when calculating each burden amount based on the contents shown in FIGS. 2A to 2D, the burden amount calculating unit 534 executes the medical expenses calculation process as follows.

  7A and 7B are diagrams for explaining the medical expenses calculation process performed by the burden amount calculation unit 534.

  For example, it is assumed that a predetermined patient (patient ID: P0001) who is the insured person of the α insurance receives endoscopic surgery at Hospital A.

  According to FIG. 2A, when hospital A performs endoscopic surgery, the hospital is registered as bearing 1% of the medical expenses incurred. According to FIG. 2B, the α insurance is registered as bearing 88% of the medical expenses incurred for endoscopic surgery at Hospital A. In accordance with these registered contents, the burden amount calculation means 534 calculates the burden ratio of the medical expenses to the medical practice received by the patient.

  FIG. 7B is a diagram illustrating calculation information obtained by the processing. As shown in FIG. 7B, the burden ratio of the predetermined patient (patient ID: P0001) calculated according to the above contents is 11% of the medical expenses incurred, reflecting the contents of FIGS. 2A and 2B. Each burden amount calculated by multiplying each burden ratio shown in the figure by the medical expenses is charged to each burdener by the medical expenses billing means 535 as described later. This content is recorded in the settlement result information database 52.

  Note that the calculation information shown in FIG. 7B is in a form summarized for each patient. This form is convenient when charging the patient with the burden. However, in the case where the burden is charged to an insurance company or a hospital, for example, the calculation information for all patients is presented, which is inconvenient.

  In consideration of this point, the burden amount calculation means 534 can create calculation information such as the burden ratio in various forms.

  FIG. 7A shows an example of calculation information in a form summarized for each predetermined payer (payer ID: 0001). By presenting the calculated information, for example, the insurance company can quickly and easily know the total amount of the burden to be paid to all the insured. Note that this content is recorded in the settlement result information database 52 in link with the calculation information shown in FIG. 7B. Therefore, the calculation information of FIG. 7B can be called at an arbitrary timing by a predetermined operation such as, for example, clicking a column of the patient ID “P0001” in FIG. 7A.

  The medical expenses billing unit 535 bills each payer for medical expenses. Specifically, the medical billing means 535 instructs a predetermined financial institution to withdraw from a bank account registered in advance. In addition to this example, for example, a method of requesting a transfer to a designated bank account by mailing a bill may be used, or a request for medical expenses may be made to another electronic settlement system or the like.

(Third system)
The third system is a network system including a communication line such as LAN, WAN, Internet, intranet wireless or wired communication. The first system and the second system are connected via the third system.

(Calculation and settlement of medical expenses)
Next, the burden amount calculation processing and the settlement processing realized by the medical cost burden amount calculation system 1 will be described. Each process realized by the medical cost burden amount calculation system 1 is executed by a calculator using a communication line. The medical expenses billed from the medical institution are temporarily provisionally settled by the calculator. On the other hand, the calculation trader executes the medical expenses settlement by charging the burden to the burdener and requesting the patient the remaining amount obtained by subtracting the burden from the medical expenses.

  Hereinafter, the flow of the processing of the present system will be described with reference to FIG. 9 as an example of a case where a medical institution charges a medical recipient to a medical recipient.

  FIG. 9 is a diagram showing a flow of a burden calculation process and a payment process realized by the system 1.

  In FIG. 9, first, the patient ID is obtained in the reading device 300 (1). For example, a medical beneficiary who has been billed for medical expenses at the accounting desk of a hospital will notify the medical care recipient that he / she will use the medical expenses burden calculation system to pay for the medical expenses. Then, the portable electronic storage medium 301 is presented. A hospital accountant can obtain information for uniquely identifying a patient by inserting the portable electronic storage medium 301 into the reading device 300. The information for identifying the patient is transmitted to the medical expense management server 32.

  Note that the medical cost management server only needs to be able to capture information that uniquely identifies a patient, so that the portable electronic storage medium 301 is not necessarily used. For example, a configuration in which an ID for uniquely identifying a patient is simply received and the person in charge inputs the medical expenses management server 32 using an input device such as a keyboard or a barcode reader can also achieve the purpose.

  Next, the medical expense management server 32 associates the input ID for uniquely identifying the patient with the medical expense information stored in the medical expense database 31, and as the medical expense claim information, the computer network of the calculation company. It is transmitted to the medical expense calculation server 53 on the system 5 (2).

  FIG. 8 shows an example of a screen displayed on the monitor of the medical cost management server 32 when transmitting medical cost claim information from the medical cost management server 32 to the medical cost calculation server 53.

  As shown in FIG. 8, the screen displays at least an ID (H0001) for uniquely identifying a medical institution requesting medical expenses, an ID (P0001) for uniquely identifying a patient, a billing amount, and a billing breakdown. Have been. When the operator clicks the billing button with a mouse, the content displayed on the screen is transmitted to the medical cost calculation server as medical cost claim information.

  By transmitting the medical billing information, the medical institution has demanded a temporary settlement of the medical bill from the calculating company. In addition, by receiving the information, the calculation trader can make a request for provisional settlement from the medical institution and make specific contents such as the recipient of the medical practice, the medical practice performed, the medical expenses incurred, etc. It becomes.

  It is not always necessary to display the contents shown in FIG. 8 on the screen. For example, the screen display may be omitted, and the contents shown in FIG. 8 may be automatically transmitted to the medical expenses calculation server in response to reading of the patient ID.

  Here, the characteristic point is that the payment of the medical expenses to the hospital is completed at this point from the viewpoint of the patient. That is, the patient can complete the payment of the medical expenses to the hospital only by causing the reading device 300 to read the storage medium 301 of the patient. Therefore, the conventional problem of having to wait for a long time to pay medical expenses can be solved by the present system.

  The medical cost calculation server 53 receives the medical cost request information from the medical cost management server 32 by the medical cost request receiving unit 531 (see FIG. 5). Thereafter, the medical cost calculation server 53 calculates the medical cost to be paid by the calculating company in response to the request from the medical institution by the medical cost calculating means 532 (see FIG. 6) (3).

  The information received by the medical expense request receiving means 531 is assigned a reception ID and registered as reception information in the settlement result information database 52 as reception information. The medical expenses calculated by the burden amount calculation means 532 are registered in the settlement result information database 52 as payment information to the medical institution. The details of the processing performed by the medical expense request receiving unit 531 and the burden amount calculating unit 532 have been described above, and will not be described here.

  When the steps up to (3) in FIG. 9 are completed, various information as shown in FIG. 10 is stored in the database 52, for example.

  Subsequently, the medical cost calculation server 53 acquires the payment method type and the payment method detailed information for each payee from the medical institution information database 51, and based on the payment method detailed information and the like, gives the medical institution a medical cost. Temporary settlement of medical expenses is performed by the payment means 533 (4).

  When the provisional settlement process is completed, the payment status and the payment date of the payment information to the medical institution in the medical expense settlement result information database 52 are updated. FIG. 11 shows an example of the payment information to the medical institution in the medical expense settlement result information database 52, which is updated when the payment processing is completed. The payment information to the medical institution shown in FIG. 11 is different from the payment information to the medical institution shown in FIG. 10B in that new information is added to the payment status and the payment date.

  Subsequently, the medical cost calculation server 53 acquires the calculation information data of the patient from the calculation information database 50 as shown in FIG. 2 (5).

  At this time, in the burden ratio information shown in FIGS. 2A and 2B and the like, only necessary information may be extracted, or all the burden ratio information relating to the patient may be extracted. For example, when the burden ratio is determined for each examination and a burden request for endoscopic surgery is received from a medical institution, the burden items in FIGS. 2A and 2B are the burden items corresponding to the endoscopic surgery. Only the ratio information may be obtained. Alternatively, all burden ratio information of the patient may be obtained without depending on the burden items.

  The burden amount calculation means 534 in the medical cost calculation server 53 determines which bearer should pay the medical cost from the information on the burden person obtained from the calculation information database 50 and the medical cost request received from the medical cost management server 32. It is calculated whether it is sufficient (6).

  The calculated information is registered in the billing information of the medical expense settlement result information database 52. FIG. 12 shows an example of the billing information in the medical expense settlement result information database 52, which is updated at the time when the calculation processing is completed. The billing information shown in FIG. 12 is different from the billing information shown in FIG. 10C in that new information is added to the billing destination and the billing amount.

  Subsequently, the medical expense calculation server 53 requests the burden amount from each burdener by the medical expense claim means 535 based on the calculated billing information (7).

  Upon completion of the payment of the burden from each bearer in response to the request for the burden, a series of medical expenses settlement by the present system is completed.

  In this embodiment, the steps (3) and (4) relating to payment to the medical institution are performed before the steps (5) to (7) relating to the billing from the medical cost calculation server to the medical cost bearer. However, these contexts may be interchanged. That is, the steps (3) and (4) related to payment to the medical institution may be executed between any of the steps (5) to (7).

  Further, in the above embodiment, an example has been described in which the calculation trader also performs provisional settlement. Alternatively, for example, a provisional settlement company may be provided separately, and the calculation of the burden amount and the provisional settlement may be performed by different entities.

  According to the configuration described above, the following effects can be expected.

  First, a patient, a hospital, an insurance company, or the like can complete the settlement of medical expenses, which is generally said to be troublesome, only by adjusting the burden calculated by the calculation company. In particular, the patient can end the payment processing at the medical institution simply by passing the portable electronic storage medium 301 through the reading device 300. Therefore, the medical expenses can be quickly paid without waiting for a long time.

  Secondly, by simulating various patterns of medical cost burden by the above-mentioned burden amount calculation processing, an insurance company or the like can make a financial motivation to a medical consultation trend of a patient. For example, assume that an insurer wants to guide a patient to Hospital A. In this case, as shown in FIG. 2B, if the proportion of the insurer's burden on the medical practice (endoscopic surgery) at Hospital A is increased, the burden on the patient's medical expenses will be reduced. Therefore, the insurer compares the model for receiving medical practice at Hospital A with the model for receiving medical practice at Hospital B, etc., and shows the model to the insured (patient). You can motivate to go to the hospital. In addition, if a simulation is carried out for each insurance company, it is possible to provide financial motivation even for insurance.

  Third, by simulating various patterns of medical expenses by the above-mentioned burden calculation processing, it becomes possible for a medical institution to make a financial motivation for a medical consultation trend of a patient. For example, if the hospital partially bears the medical expenses for the medical treatment that is characteristic of the hospital itself, substantial discounts are possible. As a settlement method in this case, for example, it is conceivable that a hospital performs tentative settlement in the same manner as in a case where medical expenses are not borne, and a charge is separately charged by a calculation company (settlement company). For the patient, a part of the medical expenses are borne by the hospital, and the medical treatment can be inexpensively correspondingly. Therefore, it becomes possible to guide patients financially in medical services.

(Second embodiment)
Next, a second embodiment of the medical cost burden calculation system according to the present invention will be described. In the medical expenses burden calculation system according to the second embodiment, a system is disclosed in which a medical expenses bearer can change his / her own burden ratio. This change of the burden ratio by the bearer can be performed at an arbitrary timing.

  First, the configuration of the medical expenses burden calculation system according to the second embodiment will be described with reference to FIG.

  FIG. 13 is a schematic configuration diagram of a medical expenses burden calculation system 6 according to the second embodiment.

  When comparing the medical expense burden calculation system 6 shown in FIG. 13 with the medical expense burden calculation system 1 shown in FIG. 1, the following two points are greatly different. The first point is that the medical cost calculation server 53 in the medical cost burden calculation system 6 has a function of receiving a change in the content in the burden cost calculation information database 50. The second point is that the medical cost burden calculation system 6 is a computer network system (hereinafter, referred to as “fourth system”) of the medical care provider who can communicate with at least the second system via the third system. "). Hereinafter, only new components will be described to avoid duplication.

(4th system)
The fourth system 7 is a system that is deployed on the computer network of the medical payer. The fourth system 7 has, for example, a payer-side terminal 70. The payer-side terminal 70 can display information on the share of medical expenses in the database 50. In addition, the payer-side terminal 70 can transmit the changed information to the server 53 via the network. The change processing of the medical expenses share, which is performed using these functions, will be described later in detail.

(Medical cost calculation server)
As described above, the medical cost calculation server 53 has a function of receiving a change in the content in the burden amount calculation information database 50. The configuration of the medical cost calculation server 53 is, for example, as shown in FIG.

  FIG. 14 shows a schematic configuration of the medical cost calculation server 53. In the medical cost calculation server 53 shown in FIG. 5, a calculation information changing unit 536 is further added to the configuration of the medical cost calculation server 53 shown in FIG.

  The calculation information change unit 536 receives a request to change the burden calculation information database 50, and actually changes (or updates) information in the medical calculation information database 50. More specifically, based on a direct input from the medical cost calculation server 53, or in response to an instruction from the payer terminal 70 of the cost bearer accessed to the medical cost calculation server 53 via the third system. Based on this, the information in the database 50 is changed.

(Change of burden calculation information)
Next, the change of the burden amount calculation information in the database 50, which is the subject of the present embodiment, will be described with reference to FIG. The following is an example of a case where a burdener changes the burden ratio of a specific medical practice by the medical expense burden calculation system 6. It should be noted that the calculation company also serves as the provisional settlement of medical expenses and the provisional settlement method is as described in the first embodiment.

  FIG. 17 is a diagram showing a flow of processing in a case where a certain medical expense bearer changes the burden ratio of a specific patient by the medical expense burden calculation system 6.

  In FIG. 17, first, the bearer-side terminal 70 requests the medical expense calculation server 53 for specific burden amount calculation information data (1). At this time, from the viewpoint of security, an access right is confirmed by inputting a password or the like in order to confirm that the entity to be changed is the burdener. When the access right is confirmed, the contents shown in, for example, FIG.

  FIG. 15 shows an example of a screen displayed on the display means of the bearer terminal 70 when requesting the burden calculation information data.

  In FIG. 15, if the mouse is clicked on a circle on the left side of the search key name, the key is selected as a key to be used for search, and a condition can be input in the condition input box. In this state, the operator inputs search conditions in the search key condition input field, and clicks a search button at the lower right of the screen with a mouse, whereby a search request is transmitted to the medical cost calculation server 50.

  In this case, only the patient ID is selected as the search key. Therefore, a request for acquiring burden calculation information that matches the input condition (in this case, the patient ID is P0001) is transmitted to the medical cost calculation server 53 using the patient ID as a search key. When a plurality of search keys are checked, information narrowed down by the plurality of search keys is searched.

  After receiving the acquisition request from the payer-side terminal 70, the calculation information change unit 536 of the medical cost calculation server 53 acquires the burden amount calculation information from the calculation information database 50 according to the search condition, and transmits the information to the settlement terminal 70 ( 2).

  Subsequently, the payer-side terminal 70 receives the burden amount calculation information from the calculation information changing unit 536 of the medical cost calculation server, and displays the burden amount calculation information according to the search condition. The bearer changes the content of the displayed burden calculation information, for example, as follows.

  FIG. 16 shows the burden calculation information displayed by the burden terminal 70 when the burden ratio is changed.

  First, the payer-side terminal 70 displays the burden amount calculation information on the screen as shown in FIG. This screen has both the function of displaying calculation information and the function of requesting change. When a field desired to be changed on the screen is selected by a predetermined operation, the cursor focuses on the field. By inputting new conditions in this state, the burden calculation information can be changed. By pressing an add button at the lower left of the screen, a new burden condition can be registered under the item selected at that time.

  After the above change operation, by pressing the transmission button at the lower right of the screen, the burden calculation information displayed on the screen is transmitted to the medical expense calculation server 53, and the burden calculation information in the calculation information database 50 is displayed. The change is requested to the medical expenses calculation server 53 (3).

  The calculation information changing unit 536 of the medical cost calculation server 53 receives the burden calculation information transmitted from the burden-side terminal 70 and reflects the content in the calculation information database 50 (4).

  After the change processing of the burden calculation information described above, the medical expense burden calculation processing and the settlement processing with the changed contents are executed.

  According to such a configuration, the burdener can quickly know the burden amount calculation information of the patient at an arbitrary time. In addition, the burdener can quickly change the current burden amount calculation information at an arbitrary time.

  As described above, if the burden amount can be changed quickly and easily, the burden ratio changing process is not troublesome. Therefore, by reflecting various conditions in the burden ratio, it is possible to enrich the variation of services. The specific contents will be clarified in the third and subsequent embodiments described below.

(Third embodiment)
Next, a third embodiment of the medical cost burden calculation system according to the present invention will be described. In the third embodiment, a system is disclosed in which a medical expense bearer can reflect the health care situation of each patient on the medical expense burden.

  First, the configuration of the medical expenses burden calculation system according to the third embodiment will be described with reference to FIG.

  FIG. 18 is a schematic configuration diagram of a medical cost burden calculation system 9 according to the third embodiment.

  When comparing the medical expenses burden calculation system 9 shown in FIG. 18 with the medical expenses burden computation system 6 shown in FIG. 13, the following three points are greatly different. The first point is that a health information database 54 (hereinafter, information database 54) that stores history information on personal health management is provided on the second system. Second, the medical cost calculation server 53 in the medical cost burden calculation system 6 has a function of updating the contents in the information database 54. The third point is that the medical expense burden calculation system 6 can communicate with at least the second system via the third system. The computer system can be any computer network system (hereinafter, referred to as a “fifth system”). ). Hereinafter, only new components will be described to avoid duplication.

(Medical cost calculation server)
As described above, the medical cost calculation server 53 has a function of receiving a change in the content in the information database 54. The configuration of the medical cost calculation server 53 is, for example, as shown in FIG.

  FIG. 19 illustrates a schematic configuration of the medical cost calculation server 53 according to the third embodiment. In the medical cost calculation server 53 shown in FIG. 14, a health information registration unit 537 (hereinafter, history registration unit 537) is added to the configuration of the medical cost calculation server 53 shown in FIG.

  The history registration unit 537 accepts an update request by direct input from the medical cost calculation server 53 or input from a terminal on the fifth system accessed to the medical cost calculation server 53 via the third system. Then, the contents of the health information database 54 are updated.

(History information database)
The information database 54 stores, for each patient, history of personal health management (for example, medical checkup history, sports center activity history, etc.) as health information. In addition, the information database 54 stores a correspondence table that associates various health managements with a preset medical expenses burden ratio for each burdener (see FIG. 23). In calculating the amount of medical expenses to be paid, it is determined whether or not to pay medical expenses based on the contents of various types of health management described in the health information. The calculation of the cost burden is executed. This will be described in detail later.

  FIG. 20 shows an example of health information stored in the information database 54. In the figure, from the viewpoint of improving the efficiency of information management, the individual IDs in the figure correspond to the patient IDs described above.

  Further, in the present embodiment, the information database 54 has a configuration provided in the second system. However, the information database 54 may be provided anywhere as long as the history information registration unit 537 is accessible via the network.

(Fifth system)
The fifth system 8 is a system deployed on an arbitrary computer network. The fifth system 8 includes a health information registration terminal 80 (hereinafter, a health manager side terminal 80). The health manager side terminal 80 is a terminal that can access the second system via the third system. As a specific example of the fifth system, a system including a health manager side terminal 80 provided in a sports center and the Internet, or a system including a health manager side terminal 80 in an individual's home and the Internet is considered. Can be

  The health manager side terminal 80 is, for example, a computer in which a program for registering health information is installed. It is preferable that the program for registering the health information can be downloaded through the Internet or the like. The health manager terminal 80 has a function of registering health information in the information database 54 of the second system. With this function, for example, the patient himself / herself can register the health examination information received at the company from the health manager side terminal 80 at home in the information database 54. Alternatively, the sports instructor in charge of the patient can register the activity history at the sports center in the health information database under the responsibility of the sports center. Also, the insurer can input the fact of whether or not the insured person is a smoker.

(Registration of health information)
Next, registration of health information in the information database 54, which is the subject of the present embodiment, will be described with reference to FIG. The following is an example of a case where new health information is registered in the information database 54 by the medical expense burden calculation system 9 from an arbitrary terminal 80 on the fifth system.

  FIG. 21 is a diagram showing a flow of processing when new health information is registered in the information database 54 from the arbitrary terminal 80 by the medical expenses burden calculation system 9.

  In FIG. 21, first, the computer on the fifth system downloads a computer program for changing the information database 54 from the calculation server 53 of the calculation company, and starts it. Thus, the computer functions as the health manager terminal 80 (1).

  Here, the computer program is downloaded from the medical expenses calculation server of the calculation company, but the configuration may be such that the computer program is downloaded from another server.

  Subsequently, when the program is started in the health manager terminal 80, user authentication is performed. This user authentication is performed, for example, by a request for inputting a user name and a password. The health manager side terminal 80 transmits the input user information to the medical expense calculation server 53 (2).

  Subsequently, the medical expense calculation server 53 acquires past health information related to the user from the information database 54 based on the user authentication information received from the health manager terminal 80, and sends the information to the health manager terminal 80. Transmit (3).

  Subsequently, at the health manager side terminal 80, the health manager inputs new information of health information, and requests the medical expense calculation server 53 to register the new information (4). The display of the past health information, the input of new information, and the like are performed in the following manner, for example.

  FIG. 22A shows an example of a screen displayed on the health manager side terminal 80 and displaying input fields of health information currently registered in the information database 54 and new health information.

  As shown in FIG. 22A, past health information transmitted from the medical expense calculation server 53 is displayed at the top of the screen. On the screen, by clicking an add button at the lower left, a new input column for health information is displayed at the lower part. The operator, for example. When and what kind of health management activity was performed can be input as new health information. The newly input health information is transmitted to the medical expenses calculation server by pressing a transmission button at the lower right of the screen.

  The registration means 537 in the medical cost calculation server 53 receives the health information transmitted from the health manager side terminal 80 and registers it in the information database 54.

(Calculation and settlement of medical expenses)
FIG. 23A shows an example of a correspondence table stored in the information database 54, in which various types of health management correspond to preset burden ratios of the respective burdeners.

  Hereinafter, the medical expense burden calculation process reflecting the health management information will be described with reference to FIGS. 23A and 9. Note that the processing of FIGS. 9A to 9D is the same as that of the first embodiment, and therefore, the description will be made from the step of (5) to avoid duplication.

  After the provisional settlement in step (4), the medical expense calculation server 53 calculates the calculation information of the patient from the calculation information database 50, the health information of the patient from the information database 54, and the correspondence table of the burdener. (5).

  At this time, of the information shown in FIGS. 2A, B, 23, etc., only a part of the required information may be extracted, or all the burden ratio information related to the patient may be extracted.

  The medical cost calculation server 53 calculates the burden amount to which one of the payers should be charged from the information of the payer obtained from the calculation information database 50 and the medical cost request received from the medical cost management server 32. It is calculated by the means 534 (6).

  FIG. 23B is a diagram for explaining the calculation of the medical expenses burden reflecting the health management information. As in FIG. 7B, a predetermined patient who is the insured person of α insurance performs endoscopic surgery at Hospital A. It shows the burden ratio data when it is received. When comparing FIG. 23B and FIG. 7B, the burden ratio of α insurance is 1% higher. This is because the health management information in which the predetermined patient is a non-smoker is reflected in the medical expenses burden calculation process based on the correspondence table shown in FIG. 23A.

  In this case, since the burden items of the α insurance are complex, it is preferable that the contents of the items can be displayed. For example, it is preferable that a list of the burden contents shown in FIG. 23C be displayed by clicking on the column of α insurance in the individual burden ratio data shown in FIG. 23B at a predetermined terminal or the like. Further, the calculated information is registered in the billing information in the medical expense settlement result information database 52.

  Subsequently, the medical expense calculation server 53 requests the burden amount from each burdener by the medical expense claim means 535 based on the calculated billing information (7).

  Upon completion of the payment of the burden from each bearer in response to the request for the burden, a series of medical expenses settlement by the present system is completed.

  According to the configuration described above, the following effects can be expected.

  The health care of the insured can be easily and quickly reflected in the insurance system. From the viewpoint of the bearer (for example, the insurer), the insurance plan can be enriched, and the service can be enhanced. Therefore, the insured person (patient) can be guided financially. In addition, the bearer can quickly and easily refer to information on the health care of the insured. The above-mentioned health management history information can be referred to at any timing. For example, when the medical expense bearer updates the burden calculation information by the method described above, the health information of the patient is displayed. By doing so, the burden amount calculation information can reflect the patient's individual health management efforts.

  FIG. 22B shows an example of a screen display in which health information is added to the content shown in FIG. According to the screen display shown in the figure, the medical expense bearer can change the burden ratio with reference to the simultaneously displayed health information.

  Note that the change in the burden ratio with reference to the health information may be configured so that the apparatus is automatically executed without depending on an artificial operation. The automatic change by this apparatus can be realized by a configuration in which the history information registration unit 537 of the medical cost calculation server 53 automatically determines the condition and health information specified in advance and changes the calculation information database 50. . Specifically, a configuration is possible in which the history information registration unit 537 automatically updates the contents of the calculation information database 50 based on whether or not a medical examination has been received within one year.

  In this system, information on health management is input from a terminal installed in a sports center or the like, and is automatically registered in the information database 54. Therefore, it is possible to quickly and easily create effective information for the burdener with less artificial labor.

  Also, the insured person can select a desired one that suits himself from various health plans set by each insurer.

(Fourth embodiment)
Next, a fourth embodiment of the medical cost burden calculation system according to the present invention will be described. The medical cost burden calculation system according to the fourth embodiment discloses a system in which the burdener can reflect the medical consultation situation of each patient in the medical cost burden ratio.

  First, the configuration of the medical expenses burden calculation system according to the fourth embodiment will be described with reference to FIG.

  FIG. 24 is a schematic configuration diagram of a medical expense burden calculation system 10 according to the fourth embodiment.

  When comparing the medical expense burden calculation system 10 shown in FIG. 24 with the medical expense burden calculation system 6 shown in FIG. 13, the following two points are greatly different. The first point is that a consultation history information database 55 that stores history information regarding an individual's medical consultation is provided on the second system. The second point is that the medical cost calculation server 53 in the medical cost burden calculation system 6 has a function of receiving registration of contents in the consultation history information database 55. Hereinafter, only new components will be described to avoid duplication.

(Checkup history information database)
The consultation history information database 55 stores a correspondence table (FIG. 25B) in which a consultation history at an individual medical institution (FIG. 25A) is associated with a consultation history and a preset medical expense burden ratio for each burdener. . In calculating the medical expenses burden amount, it is determined whether or not to pay medical expenses based on the fact of consultation described in the consultation history information, and if insurance is applied, medical expenses according to the correspondence table Calculation of the burden amount is executed. This will be described in detail later.

  FIG. 25A shows an example of history information (hereinafter referred to as medical consultation history information) on an individual's medical consultation stored in the consultation history information database 55. In the medical consultation history information, a medical consultation history corresponding to each request received by the medical expense request receiving unit 531 is automatically registered, for example, a type of examination received, a type of treatment performed, and the like. Note that, in FIG. 20, as in FIG. 20, the personal IDs in the figure correspond to the patient IDs described above from the viewpoint of efficient information management.

  FIG. 25B shows an example of a correspondence table stored in the history information database 55 and correlating each consultation history with a preset burden ratio of each burdener. Based on the correspondence table and the consultation history, the consultation history is reflected in the burden calculation described later.

(Medical cost calculation server)
As described above, the medical cost calculation server 53 has a function of receiving a change in the contents in the consultation history information database 55. The configuration of the medical cost calculation server 53 is, for example, as shown in FIG.

  FIG. 26 shows a schematic configuration of a medical cost calculation server 53 according to the fourth embodiment. In the medical cost calculation server 53 shown in FIG. 19, a reception history registration unit 538 is further added to the configuration of the medical cost calculation server 53 shown in FIG.

  The reception history registration unit 538 has a function of creating a medical history at a medical institution for each individual based on the information received by the medical cost request receiving unit 531 from a medical institution, and registering the medical history in the medical history information database 55.

(Calculation and settlement of medical expenses)
Next, the medical expense burden calculation process reflecting the consultation history information will be described with reference to FIGS. 25A and 25B and FIG. Note that the processing of FIGS. 9A to 9D is the same as that of the first embodiment, and therefore, the description will be made from the step of (5) to avoid duplication.

  After the provisional settlement in step (4), the medical cost calculation server 53 calculates the calculation information of the patient from the calculation information database 50, the calculation information data from the history information database 55, and the correspondence table of the patient's consultation history and the corresponding burdener from the history information database 55. (5).

  At this time, in the information shown in FIGS. 2A and 2B, FIGS. 25A and 25B, only a part of the required information may be extracted, or all the burden ratio information related to the patient may be extracted. good.

  The medical cost calculation server 53 determines, from the information of the payer obtained from the calculation information database 50 and the medical cost request received from the medical cost management server 32, which payer should pay the medical cost. It is calculated by the calculation means 534 (6).

  FIG. 25C is a diagram for explaining the calculation of the medical expenses burden reflecting the consultation history. As in FIG. 23B, a predetermined patient who is the insured person of α insurance undergoes endoscopic surgery at Hospital A. The figure shows the burden ratio data in the case where the load is applied. When comparing FIG. 25C and FIG. 23B, the burden ratio of α insurance is 3% higher. This is because the consultation history information in which the predetermined patient has received the detailed examination within one month is reflected in the medical expenses burden calculation process based on the correspondence table shown in FIG. 25B.

  In this case, since the burden items of the α insurance are complex, it is preferable that the contents of the items can be displayed. For example, in a predetermined terminal or the like, it is preferable that a list of burden contents shown in FIG. 25D be displayed by clicking a column of α insurance in the personal burden ratio data shown in FIG. 25C. Further, the calculated information is registered in the billing information in the medical expense settlement result information database 52.

  Subsequently, the medical expense calculation server 53 requests the burden amount from each burdener by the medical expense claim means 535 based on the calculated billing information (7).

  Upon completion of the payment of the burden from each bearer in response to the request for the burden, a series of medical expenses settlement by the present system is completed.

  According to the configuration described above, the following effects can be expected.

  The consultation history of the insured person at the medical institution can be easily and quickly reflected in the insurance system. From the viewpoint of the bearer (for example, the insurer), the insurance plan can be enriched, and the service can be enhanced. Therefore, the insured person (patient) can be guided financially.

  In addition, the burdener can quickly and easily refer to the consultation history information. The consultation history information can be referred to at any time.For example, when the burdener updates the burden calculation information by the method described above, if the patient's consultation management history information is displayed, The burden amount calculation information can reflect the personal health condition.

  FIG. 27 shows an example of a screen display in which consultation history information is added to the contents shown in FIG. According to the screen display shown in the figure, the medical expense bearer can change the burden ratio with reference to the simultaneously displayed consultation history.

  Note that the change of the burden ratio with reference to the consultation history information may be configured so that the apparatus is automatically executed without any manual operation. The automatic change by this apparatus is realized by a configuration in which the reception history registration unit 538 of the medical cost calculation server 53 automatically determines the condition specified in advance and the consultation history information, and changes the calculation information database 50. it can. Specifically, a configuration is possible in which the reception history registration unit 538 automatically updates the contents of the calculation information database 50 based on whether or not the patient has been consulted within one month.

(Fifth embodiment)
Next, a fifth embodiment of the medical cost burden calculation system according to the present invention will be described. The medical cost burden calculation system according to the fifth embodiment discloses a system in which the system 9 according to the third embodiment and the system 10 according to the fourth embodiment are combined.

  First, the configuration of the medical expenses burden calculation system according to the fifth embodiment will be described with reference to FIG.

  FIG. 28 is a schematic configuration diagram of a medical cost burden calculation system according to the fifth embodiment.

  As shown in FIG. 28, the medical expense burden calculation system includes a first system 3, a second system 5, a third system, a fourth system 7, and a fifth system 8. It should be noted that a consultation history information database 55 and a health information database 54 are provided on the second system. The schematic configuration of the medical calculation server 53 is as shown in FIG.

(Calculation and settlement of medical expenses)
The calculation and settlement of the medical cost burden by the present system is a combination of the contents described in the third and fourth embodiments. That is, in the calculation of the medical cost burden, the health management information and the consultation information may be reflected in the manner described in the third and fourth embodiments, and the respective burdens according to the calculation may be settled.

  Further, when the burdener changes the burden ratio according to each item in the consultation history information database 55 and the health information database 54, for example, it is realized in the following form.

  FIG. 30 shows an example of a screen display in which consultation history information and health information are added to the contents shown in FIG. According to the screen display shown in the figure, the medical expense bearer can change the burden ratio with reference to the simultaneously displayed consultation history or health information. The automatic change of the burden ratio with reference to the consultation history information and the health information can be realized by combining the contents described above.

  According to the medical expense burden calculation system having the above-described configuration, when the burdener updates the burden expense calculation information, it is possible to simultaneously display the consultation history and the health information of the patient. Therefore, the burdener can easily reflect the health condition of the patient and the effort for health management in the burden amount calculation information.

(Sixth embodiment)
In each of the above-described embodiments, a case has been described in which a calculation company other than the hospital and the insurance company executes the medical cost calculation process. On the other hand, in the sixth embodiment, a case will be described in which a hospital that has provided a medical practice performs a medical expense calculation process.

  FIG. 31 shows a schematic configuration of a medical cost burden calculation system according to the sixth embodiment. As shown in the figure, in this embodiment, since the hospital performs the calculation processing, the first system 3 in the hospital 15 newly includes a medical cost calculation information database 50, a medical institution information database 51, and a settlement result information database. 52, a medical expense management / calculation server 33 having functions of a medical expense management server 32 and a medical expense calculation server 53 is provided. Each function is as described above.

  In addition, the first system can be connected to the payer terminal 70 on the fourth system via the third system. Note that the settlement of the medical expenses and the like between the hospital and the patient may be an electronic transaction via the third system, but in the present embodiment, it is assumed that settlement at the window after the end of the medical practice.

(Calculation and settlement of medical expenses)
Next, the burden amount calculation processing and the settlement processing performed by the present system will be described. In general, a patient who has received medical treatment provides information identifying him / her, for example, at a checkout window of a hospital. The medical expense management / calculation server 33 installed in the hospital calculates the amount of burden to be borne by the patient, the hospital, and the payer based on various types of calculation information. Then, the settlement is performed by requesting only the burden of the patient at the accounting window and separately claiming the burden corresponding to the burdener via the third system.

  This will be described in more detail with reference to FIG.

  FIG. 32 is a diagram showing a flow of a burden calculation process and a settlement process realized by the present system.

  In FIG. 32, first, the patient ID is obtained in the reading device 300 (1). This patient ID is transmitted to the medical expenses management server 32.

  Next, the medical expenses management / calculation server 33 acquires medical expenses information related to the input patient ID from the medical expenses database 31 (2).

  Further, the medical cost management / calculation server 33 acquires the medical cost calculation information related to the input patient ID from the medical cost database 50 (3).

  The medical cost management / calculation server 33 calculates the amount of burden to be borne by each burdener by the medical cost calculating means 532 (see FIG. 6) (4). Note that the calculated information is registered in the billing information of the medical expense settlement result information database 52.

  Subsequently, the accounting window charges the patient with the calculated burden to be borne by the patient. Further, the medical expense management / calculation server 33 requests the burden amount from the burdener by the medical expense claim means 535 based on the calculated billing information (7).

  Upon completion of payment of the burden from the bearer in response to the request for the burden, a series of medical expenses settlement by the present system is completed.

  With the configuration described above, the same effect as in the first embodiment can be obtained. In addition, the change of the burden amount of each bearer, the medical expenses burden amount calculation / payment process reflecting the health management information or the consultation history is performed by adding the components added in each embodiment to the first system. Can be realized.

(Seventh embodiment)
Next, an embodiment in which a bearer such as an insurance company also serves as a calculation company will be described. In this case, the second system in the above-described first to fifth embodiments is only deployed on the network of the insurer, and the content is almost the same as the content of the description. . Therefore, the description is omitted.

(Eighth embodiment)
Next, an eighth embodiment of the medical cost burden calculation system according to the present invention will be described. In the medical cost burden calculation system according to the eighth embodiment, a medical recipient who receives a medical service obtains information on the medical cost burden ratio of each medical cost bearer at his / her terminal via an arbitrary network. A possible system is disclosed.

  First, the configuration of the medical expenses burden calculation system according to the eighth embodiment will be described with reference to FIG.

  FIG. 33 is a schematic configuration diagram of a medical expense burden calculation system 11 according to the eighth embodiment.

  When comparing the medical cost burden calculation system 11 shown in FIG. 33 with the medical cost burden calculation system 10 shown in FIG. 24, the following two points are greatly different. The first point is that the medical cost calculation server 53 in the second system accepts a presentation request of information on the burden ratio of each medical cost bearer (hereinafter, burden ratio information), and the burden allocation information requested. It has a function to transmit. The second point is that a terminal is provided on the fifth system so that an arbitrary medical recipient or the like can present the share of medical expenses. Hereinafter, only new components will be described to avoid duplication.

(Medical cost calculation server)
As described above, the medical cost calculation server 53 has a function of accepting a request for presentation of information on a burden ratio of each medical expense bearer (hereinafter, burden ratio information), and a function of transmitting the requested burden allocation information. The configuration of the medical cost calculation server 53 is, for example, as shown in FIG.

  FIG. 34 illustrates a schematic configuration of the medical cost calculation server 53 according to the eighth embodiment. The medical cost calculation server 53 shown in FIG. 5 has the same configuration as the medical cost calculation server 53 shown in FIG. 5, and further includes a medical cost burden ratio presentation request receiving unit 540 (hereinafter, presentation request receiving unit 540), A burden ratio transmitting unit 541 (hereinafter, a burden ratio transmitting unit 541) is added.

  The presentation request accepting unit 540 accepts a presentation request of the medical expenses burden ratio transmitted from, for example, a terminal on the fifth system. In response to the presentation request, the presentation request receiving unit 540 acquires the burden calculation information of the medical recipient from the burden calculation information database 50, and creates burden ratio information.

  The burden ratio transmitting unit 541 transmits the burden ratio information created by the presentation request receiving unit 540 to a terminal on the fifth system.

(Terminals that can show the burden of medical expenses)
A personal computer, a portable computer, a portable telephone, a network appliance, and the like can be considered as the terminal 81 (hereinafter, the presentation terminal 81) that can present the burden ratio of medical expenses. Each medical recipient or the like can access the medical expenses burden calculation system 6 from the presentation terminal 81 and acquire his / her burden ratio information.

  FIG. 35 shows a schematic configuration of the presentation terminal 81. As shown in FIG. 35, the presentation terminal 81 includes a CPU 800, recipient information receiving unit 801, recipient information transmitting unit 802, burden ratio presenting requesting unit 803, burden ratio receiving unit 804, and burden ratio presenting unit 805. I have.

  The CPU 800 performs overall control of the presentation terminal 81.

  The recipient information receiving unit 801 is a unit for receiving information for uniquely specifying a medical recipient whose medical expense burden ratio is to be displayed. Information for uniquely identifying a medical recipient includes an insured person number and the like.

  The recipient information transmitting unit 802 is a unit that transmits the medical recipient information received by the recipient information receiving unit 801 to the medical expense calculation server.

  The burden ratio presentation requesting unit 803 is a unit for requesting the medical cost calculation server 53 to present the medical cost burden ratio information regarding the medical recipient.

  The burden ratio receiving unit 804 receives the burden ratio information on the medical expenses of the medical recipient transmitted by the burden ratio transmitting unit 541 of the medical cost calculation server 53.

  The burden ratio presenting unit 805 is a unit that presents the burden ratio information received by the burden ratio receiving unit 804 to the user on the terminal side. As a method of presenting the burden ratio information, it is common to use display, audio output, or the like.

(Acquisition of medical expenses burden calculation information)
Next, acquisition of medical cost burden calculation information, which is the subject of the present embodiment, will be described with reference to FIG.

  FIG. 37 is a diagram showing a flow of processing until a medical recipient requests the medical expense calculation server 53 to present burden ratio information relating to the medical recipient and presents the corresponding burden ratio information to the presentation terminal 81. It is.

  In FIG. 37, first, the medical recipient inputs information for uniquely identifying itself on the screen for requesting the burden ratio information on the presentation terminal 81, and requests the calculation server 53 for the burden ratio information.

  FIG. 36A shows an example of a screen displayed on the presentation terminal 81 when requesting the burden ratio information. In the screen shown in the figure, the insured person number is used as information for uniquely identifying the medical recipient. On the screen shown in FIG. 34, the medical recipient inputs the insured person number and the password, and clicks the send button with the mouse. Through the above processing, the input identification information is received by the recipient information receiving unit 801, and is transmitted to the medical cost calculation server 53 by the recipient information transmitting unit 802 as recipient identification information. The transmitted recipient identification information is received by a unit (not shown) for accepting the recipient identification information of the medical cost calculation server 53, and it is determined whether or not the recipient can be accepted. At this time, if it is determined that the request can be accepted, the presentation request transmission unit 803 of the presentation terminal 81 makes a presentation request of the burden ratio to the presentation request reception unit 540 in the medical cost calculation server 53.

  Subsequently, the presentation request receiving unit 540 in the medical cost calculation server 53 receives the transmitted request for the burden ratio, and acquires the medical cost burden ratio information of the medical recipient from the burden amount calculation information database 50. The acquired medical expense share ratio information is transmitted to the presentation terminal 81 by the share ratio transmitting unit 541 (2).

  The transmitted burden ratio information is received by the burden ratio receiving means 803 of the presentation terminal 81 and displayed by the presentation means 805 (3).

  FIG. 36B illustrates an example of the burden ratio information displayed on the presentation terminal 81. In this case, since it is assumed that the information acquirer of the presentation terminal 81 is a medical recipient, the medical expense burden ratio in FIG. 36B is expressed as a discount rate. Further, the reason why the discount rate of the hospital B is expressed in the range of 5 to 20% is that the discount rate differs depending on conditions.

  It is preferable that the burden information presented to the presentation terminal 81 can further display detailed information of the discount rate in a hierarchical manner. For example, as shown in FIG. 36B, when the detail button as shown in FIG. 36C is displayed by clicking the detail button with the mouse from the state where the hospital B is selected to display the detailed information, preferable.

  FIG. 36C shows an example of detailed information of the discount rate of the hospital B (for example, what kind of medical treatment discount rate is, who bears it, etc.). According to the detailed information, for example, due to the burden of XX insurance, 5% of the medical beneficiary's contribution for all medical activities will be borne by XX insurance, 20% of the medical beneficiary's contribution for endoscopic surgery Can be seen to be borne by Hospital B. The medical recipient can know from the displays of FIGS. 36B and 36C that, for example, if the medical recipient wants to perform endoscopic surgery, it is cheaper to use Hospital B and the like.

  As described above, by presenting the medical expense burden ratio information to each medical recipient, it is possible to assist the medical recipient in selecting a medical institution. Furthermore, the medical expenses bearer can more effectively provide financial guidance to the medical recipient.

  Here, the case where these functions are added to the first embodiment has been described as an example. However, the configuration shown in any of the first to fifth embodiments may be added to the present system.

  Next, a modified example of the present embodiment will be described.

  As described above, the burden calculation information database 50 on the second system includes information on each medical recipient, information on the burden of medical expenses for each medical recipient, information on the burden ratio of each burden, and each burden. Various information such as information on the amount of money is stored (see FIG. 2). Therefore, the burden ratio information can be searched for each medical recipient under additional conditions.

  FIG. 38 is a configuration example of a presentation terminal 81 that can search for burden ratio information under various conditions. As shown in FIG. 38, a burden ratio search condition specifying means 806 is newly provided.

  The burden ratio search condition specifying means 806 has a function of specifying a desired search condition when acquiring the burden ratio of the medical recipient.

  FIG. 39 shows an example of a screen displayed on the presentation terminal 81 when a search condition is specified based on the function of the burden ratio search condition specifying means 806.

  By specifying any one or more of the hospital name, medical department, symptom, and area on the screen shown in FIG. 39, the specified item is used as a condition for searching the burden ratio information. After designating the desired item, by clicking the search button at the lower right in the figure with a mouse, the burden ratio presentation request is sent to the medical expenses calculation server together with the designated condition.

  The presentation request receiving unit 540 of the medical cost calculation server 53 receives the request and the condition, and acquires the cost sharing ratio information that matches the designated condition or the like from the burden amount calculation information database 50. The acquired burden ratio information is transmitted to the presentation terminal 81 by the above-described operation and displayed.

  FIG. 39 shows a screen display example for designating one hospital. However, the present invention is not limited to this, and a configuration in which a plurality of hospitals are searched may be used, or another search condition such as the location of a hospital may be included in the search conditions.

  As described above, when requesting the presentation of the burden ratio information to the medical cost calculation server 53, the convenience of information collection can be improved by specifying the search condition. Therefore, it is possible to more easily see only necessary information. For example, when a diagnostic department is not specified as a search condition, information on internal medicine may be presented even if a surgeon is desired to be consulted. However, by specifying a diagnosis department as a search condition, it is possible to acquire only the burden ratio information regarding surgery.

  In addition, the medical recipient can also load the individual burden ratio table relating to itself shown in FIG. 7B or FIG. 23B into the presentation terminal 81 and display it. According to such a configuration, the medical recipient can simulate his or her medical expenses in advance in various patterns. As a result, the range of choice of medical institutions, insurance companies, and the like is expanded.

(Ninth embodiment)
Next, a ninth embodiment of the medical cost burden calculation system according to the present invention will be described. In the medical cost burden calculation system according to the ninth embodiment, a system is disclosed in which a patient or the like receiving a medical service can acquire information on the performance of each medical institution at his or her terminal via an arbitrary network. .

  First, the configuration of the medical expenses burden calculation system according to the ninth embodiment will be described with reference to FIG.

  FIG. 40 is a schematic configuration diagram of the medical cost burden calculation system 12 according to the ninth embodiment.

  When comparing the medical expense burden calculation system 12 shown in FIG. 40 with the medical expense burden calculation system 11 shown in FIG. 31, there are three major differences. The first point is that a medical institution performance information database 57 is provided on the second system. The second point is that the medical cost calculation server 53 in the second system has a function of acquiring medical institution performance information in the medical institution performance information database 57. The third point is that the presentation terminal 81 has a function of receiving and presenting the result information on the medical institution transmitted from the medical cost calculation server 53. Hereinafter, only new components will be described to avoid duplication.

(Medical institution performance information database)
The medical institution performance information database 57 stores statistical information on the treatment results, the cure rate, and the like of each medical institution, and information (hereinafter, medical institution performance information) for introducing each medical institution. The information for introducing each medical institution may be created independently by each medical institution, or may be created by a third party institution.

  In the present embodiment, the medical institution performance information database 57 is provided on the second system. However, it may be on any computer network as long as it can be accessed from a medical cost calculation server described later.

(Medical cost calculation server)
As described above, the medical cost calculation server 53 has a function of acquiring medical institution performance information (hereinafter, performance information) in the performance information database 57. The configuration of the medical cost calculation server 53 is, for example, as shown in FIG.

  FIG. 41 shows a schematic configuration of the medical cost calculation server 53 according to the seventh embodiment. The medical cost calculation server 53 shown in FIG. 32 has the same configuration as the medical cost calculation server 53 shown in FIG. 32, but further includes a medical institution performance information transmission unit 542 (hereinafter, performance information transmission unit 542) and a medical institution performance information. An acquisition unit 543 (hereinafter, performance information acquisition unit 543) is added.

  The performance information transmitting unit 542 acquires medical institution performance information from the performance information database 57.

  The result information acquiring unit 543 transmits the medical institution result information acquired by the result information transmitting unit 542 to the presentation terminal 81.

(Presentation terminal)
The presentation terminal 81 has a function of receiving and presenting the performance information on the medical institution transmitted from the medical cost calculation server 53. The configuration of the presentation terminal 81 is, for example, as shown in FIG.

  FIG. 42 illustrates a schematic configuration of the presentation terminal 81 according to the seventh embodiment. As shown in the figure, the presentation terminal 81 has, in addition to the configuration shown in FIG. 35, a medical institution performance information receiving means 809 (hereinafter, performance information receiving means 809) and a medical institution performance information presenting means 810 (hereinafter, hereinafter). Performance information presenting means 810).

  The performance information receiving unit 809 receives the medical institution performance information transmitted from the medical cost calculation server 53.

  The performance information presenting means 810 presents the medical institution performance information received by the performance information receiving means 809.

  FIG. 43 shows an example of medical institution result information presented by the result information presenting means 810. As shown in the figure, it is preferable that the medical institution record information is displayed in a form added to the medical cost burden ratio information for each medical institution.

  According to the configuration described above, not only financial information such as the medical expenses burden ratio, but also medical treatment results of medical institutions and information that represents the characteristics of each medical institution are provided in a unified manner, so that medical recipients can receive more information. It is possible to select an appropriate medical institution.

  As described above, the present invention has been described based on the embodiments. However, in the scope of the concept of the present invention, those skilled in the art can come up with various modified examples and modified examples. It is understood that it belongs to the scope of the present invention. For example, as shown below, various modifications can be made without changing the gist.

(1) The medical cost calculation server 53 shown in each of the above embodiments may be a logical server. In other words, each unit of the medical cost calculation server does not necessarily have to be on one computer, and each unit of the medical cost calculation server described in each embodiment is distributed and arranged on mutually connected computers. Is also good.

(2) The terminal provided on the fourth system or the fifth system may be a dedicated terminal that does not need to download the above-mentioned program.

(3) In each of the third to fifth embodiments, the burden calculation information changing means 536 of the medical cost calculation server 53 uses the burden calculation information according to the contents of the database (health information, consultation history information). The configuration for updating the contents of the database has been described. The timing of this update is predetermined at the time of calculating the billed medical expenses (when data is acquired from the burden amount calculation information database) and at the time of changing the contents of the health information and the consultation history information database. Any time may be used.

(4) In the sixth or seventh embodiment, the burden calculation information changing means 536 of the medical cost calculation server 53 changes the content of the burden calculation information database 50 according to the contents of the database (health information, consultation history information). Updating was explained. This update does not necessarily require that the burden calculation information changing unit 536 directly update the contents of the burden calculation information database 53. For example, the burden amount calculation means 534 may dynamically calculate the billed medical expenses from the contents of the burden amount calculation information database 50, health information, and consultation history information.

  The present invention is not limited to the above-described embodiment, and can be variously modified in an implementation stage without departing from the spirit of the invention. Further, the embodiments may be implemented in appropriate combinations as much as possible, in which case the combined effects can be obtained. Further, the embodiments include inventions at various stages, and various inventions can be extracted by appropriately combining a plurality of disclosed constituent elements. For example, even if some components are deleted from all the components shown in the embodiment, the problem described in the column of the problem to be solved by the invention can be solved, and the effects described in the column of the effect of the invention can be solved. When at least one of the above is obtained, a configuration from which this configuration requirement is deleted can be extracted as an invention.

FIG. 1 is a schematic configuration diagram of a medical expense burden calculation system 1 according to the first embodiment. FIG. 2A is a diagram schematically showing information for calculating the burden amount, which is stored in the burden amount calculation information database 50, respectively. FIG. 2B is a diagram schematically illustrating information for calculating the burden amount, which is stored in the burden amount calculation information database 50, respectively. FIG. 2C is a diagram schematically illustrating information for calculating the burden amount stored in the burden amount calculation information database 50. FIG. 2D is a diagram schematically illustrating information for calculating the burden amount stored in the burden amount calculation information database 50. FIG. 3 shows an example of medical institution information stored in the medical institution information database 51. FIG. 4A shows an example of medical institution information stored in the settlement result information database 52. FIG. 4B shows an example of medical institution information stored in the settlement result information database 52. FIG. 4C shows an example of medical institution information stored in the settlement result information database 52. FIG. 5 is a diagram showing a schematic configuration of the medical cost calculation server 53. FIG. 6 is a diagram for explaining an example of the payment burden calculation process executed by the medical cost calculation unit 532. FIG. 7A is a diagram for describing a medical expense calculation process performed by the burden amount calculation unit 534. FIG. 7B is a diagram for explaining the medical expenses calculation process performed by the burden amount calculation unit 534. FIG. 8 shows an example of a screen displayed on the monitor of the medical cost management server 32 when transmitting medical cost claim information from the medical cost management server 32 to the medical cost calculation server 53. FIG. 9 is a diagram showing a flow of processing of the present system when a medical institution charges medical expenses to a medical recipient. FIG. 10A shows an example of medical institution information stored in the settlement result information database 52. FIG. 10B shows an example of medical institution information stored in the settlement result information database 52. FIG. 10C shows an example of medical institution information stored in the settlement result information database 52. FIG. 11 shows an example of the payment information to the medical institution in the medical expense settlement result information database 52, which is updated when the payment processing is completed. FIG. 12 shows an example of the billing information in the medical expense settlement result information database 52, which is updated at the time when the calculation processing is completed. FIG. 13 is a schematic configuration diagram of a medical expenses burden calculation system 6 according to the second embodiment. FIG. 14 shows a schematic configuration of the medical cost calculation server 53. FIG. 15 shows an example of a screen displayed on the display means of the payer-side terminal 70 when the burden amount calculation information data is requested. FIG. 16 shows an example of the burden calculation information from the calculation information changing unit 536 displayed on the burden-side terminal 70. FIG. 17 is a diagram showing a flow of processing of the present system when a certain medical expense bearer changes the burden ratio of a specific patient by the medical expense burden calculation system 6. FIG. 18 is a schematic configuration diagram of a medical cost burden calculation system 9 according to the third embodiment. FIG. 19 illustrates a schematic configuration of the medical cost calculation server 53 according to the third embodiment. FIG. 20 shows an example of health information stored in the information database 54. FIG. 21 is a diagram showing a flow of processing when new health information is registered in the information database 54 from the arbitrary terminal 80 by the medical expenses burden calculation system 9. FIG. 22A shows an example of a screen displayed on the health manager side terminal 80 and displaying input fields of health information currently registered in the information database 54 and new health information. FIG. 22B shows an example of a screen display in which health information is added to the content shown in FIG. FIG. 23A shows an example of a correspondence table stored in the information database 54, in which various types of health management correspond to preset burden ratios of the respective burdeners. FIG. 23B is a diagram for explaining the calculation of the medical cost burden reflecting the health management information. FIG. 23C shows an example of a form in which the burden items of α insurance are displayed in a list. FIG. 24 is a schematic configuration diagram of a medical expense burden calculation system 10 according to the fourth embodiment. FIG. 25A shows an example of history information regarding medical consultation of an individual stored in the consultation history information database 55. FIG. 25B shows an example of a correspondence table stored in the history information database 55, in which various consultation histories correspond to preset burden ratios of the respective burdeners. FIG. 25C is a diagram for explaining the calculation of the medical expenses burden reflecting the consultation history information. FIG. 25D illustrates an example of a form in which a list of α insurance burden items is displayed. FIG. 26 shows a schematic configuration of a medical cost calculation server 53 according to the fourth embodiment. FIG. 27 shows an example of a screen display in which consultation history information is added to the contents shown in FIG. FIG. 28 is a schematic configuration diagram of a medical cost burden calculation system according to the fifth embodiment. FIG. 29 shows a schematic configuration of the medical calculation server 53. FIG. 30 shows an example of a screen display in which consultation history information and health information are added to the contents shown in FIG. FIG. 31 shows a schematic configuration of a medical cost burden calculation system according to the sixth embodiment. FIG. 32 is a diagram showing a flow of a burden calculation process and a settlement process realized by the present system. FIG. 33 is a schematic configuration diagram of a medical expense burden calculation system 11 according to the eighth embodiment. FIG. 34 illustrates a schematic configuration of the medical cost calculation server 53 according to the eighth embodiment. FIG. 35 shows a schematic configuration of the presentation terminal 81. FIG. 36A shows an example of a screen displayed on the presentation terminal 81 when requesting the burden ratio information. FIG. 36B illustrates an example of the burden ratio information displayed on the presentation terminal 81. FIG. 36C shows an example of detailed information of the discount rate of Hospital B. FIG. 37 is a diagram showing a flow of processing until a medical recipient requests the medical expense calculation server 53 to present burden ratio information relating to the medical recipient and presents the corresponding burden ratio information to the presentation terminal 81. It is. FIG. 38 is a configuration example of a presentation terminal 81 that can search for burden ratio information under various conditions. FIG. 39 shows an example of a screen displayed on the presentation terminal 81 when a search condition is specified based on the function of the burden ratio search condition specifying means 806. FIG. 40 is a schematic configuration diagram of the medical expense burden calculation system 12 according to the seventh embodiment. FIG. 41 shows a schematic configuration of the medical cost calculation server 53 according to the seventh embodiment. FIG. 42 illustrates a schematic configuration of the presentation terminal 81 according to the seventh embodiment. FIG. 43 shows an example of medical institution result information presented by the result information presenting means 810.

Explanation of reference numerals

1 ..., 3 ..., 5 ..., 7 ..., 8 ..., 9 ..., 12 ..., 15 ..., 30 ..., 31 ... medical expenses database, 32 ... medical expenses management server, 50 ... medical expenses calculation information database, 51 ... Medical institution information database, 52: Settlement result information database, 53: Medical cost calculation server, 54: Health information database, 55: Consultation history information database, 70: Payer terminal, 80: Health manager terminal, 81: Medical cost Burden ratio presenting terminal, 300: portable electronic storage medium readout device, 301: portable electronic storage medium, 530, 800 ... CPU, 531, ... medical expenses request receiving means, 532 ... medical expenses calculating means, 533 ... medical expenses payment means 534: burden calculation means, 535: medical billing means, 536: calculation information receiving means, 537: health information registration means, 538 ... consultation history registration means, 5 1 ... burden ratio transmitting means, 543 ... medical institution result information obtaining means, 801 ... medical recipient information receiving means, 802 ... recipient information transmitting means, 803 ... burden ratio presentation request transmitting means, 804 ... burden ratio receiving means, 805 ... burden ratio presenting means, 806 ... burden ratio search condition designating means, 809 ... medical institution actual information receiving means, 810 ... medical institution actual information presenting means

Claims (21)

A medical information providing system including a first computer system and a second computer system connected to a network,
The first computer system comprises:
A request for medical expenses information including a bearer who bears a part of medical expenses related to various medical activities at a desired medical institution and a burden ratio or the burden paid by the bearer is sent to the second computer system. Means for transmitting information about the medical institution and the medical practice, via the network,
Means for receiving the medical cost information transmitted from the second computer system via the network in response to the request;
The second computer system comprises:
Means for receiving, via the network, information on the medical institution and the medical practice transmitted from the first computer system;
A first database in which the medical practice at the medical institution, the burdener, and the burden ratio or burden amount are stored in association with each other;
Extracting means for receiving a request for the medical cost information via the network, searching the first database in response to the request, and extracting the medical cost information corresponding to the information on the medical institution and the medical practice; ,
Transmitting means for transmitting the extracted medical cost information to the first computer system via the network;
A medical information providing system comprising: The second computer system further includes generating means for generating a list for displaying a list in association with the medical institution, the medical practice, the burdener and the burden ratio or the burden amount stored in the first database. ,
The medical information providing system according to claim 1, wherein the transmitting unit transmits the list generated by the generating unit to a third computer system connected via the network.   3. The medical information providing system according to claim 2, wherein the generation unit generates the list that displays the medical institution, the burdener, and the burden ratio or the burden amount in a list for each medical practice.   The payee, on behalf of the medical institution, the insurer, the health insurance union, the public entity, the national or local government, or any other payee who performs the medical practice, shall pay at least one of the medical expenses related to the various medical acts of the payee. The medical expenses information providing system according to claim 1, wherein the medical expenses information is provided by a person who bears the department. The first computer system is provided on a medical institution side or on a payee side,
The second computer system is provided on the side of the payer or on the side of the medical expenses information provider that operates the business of providing the medical expenses information;
The medical expense information providing system according to any one of claims 1 to 4, wherein: The second computer system further includes a calculating unit that calculates a medical cost to be paid by a payee for each of the medical institutions and each of the information on the medical practice based on the extracted medical cost information,
The transmitting unit transmits the calculated medical cost to the first computer system via the network instead of the extracted medical cost information or together with the extracted medical cost information. ,
The medical expense information providing system according to claim 1, wherein: The second computer system comprises:
A second database that stores, for each payee, a share of the medical expenses according to various personal information of the payee;
A third database for storing personal information for each person to be paid;
Further comprising
Calculating the medical expenses to be paid by the payee for each medical institution and for each piece of information related to the medical practice by also referring to the second database and the third database;
The medical expense information providing system according to claim 6, characterized in that: The second computer system further includes a fourth database that stores, for each payer, a share of at least a part of the medical expenses according to various medical records,
The calculating means also calculates the medical expenses to be paid by the payee for each of the medical institutions and each of the information related to the medical practice, with reference to the fourth database,
The medical expense information providing system according to claim 6 or 7, wherein: The second computer system further includes a fifth database that stores a reception history for each of the payees,
The calculating means also calculates the medical expenses to be paid by the payee for each of the medical institutions and each of the information related to the medical practice by also referring to the fifth database;
The medical expense information providing system according to claim 6 or 7, wherein: The second computer system comprises:
Change means for accepting a change in the burden ratio or burden amount from the burdener via the network, and changing the burden ratio or burden amount of the medical expense information corresponding to the burdener in the first database; The medical expense information providing system according to any one of claims 1 to 9, further comprising: A network, a medical information providing system, a user system, and medical cost information including a burdener who bears a part of medical expenses related to various medical practices in a medical institution and a burden ratio or a burden amount paid by the bearer are stored. And a method for providing medical expenses information using
The user system transmits information on medical practice at a desired medical institution to the medical expense information system via the network;
The medical expense information system receives information on medical practice at the desired medical institution, thereby receiving a request for the medical expense information from the user system,
A step in which the medical cost information system searches the database in response to the request for the medical cost information, and extracts medical cost information corresponding to the transmitted information on the medical practice in the desired medical institution;
A step of generating a list listing the extracted medical cost information in association with a medical institution, a medical practice, a burdener and a burden ratio or a burden amount,
Transmitting the list to the user system via the network;
A medical information providing method, comprising:   The method according to claim 11, wherein in the step of generating the list, the list that displays the medical institution, the burdener, and the burden ratio or the burden amount in a list for each medical practice is generated. Medical information provision method.   The payee, on behalf of the medical institution, the insurer, the health insurance union, the public entity, the national or local government, or any other payee who performs the medical practice, shall pay at least one of the medical expenses related to the various medical acts of the payee. 13. The medical expenses information providing method according to claim 11, wherein the medical expenses information is provided by a person who bears the department. The user system is provided on the medical institution side or the payee side,
The medical expenses information system is provided on the medical expenses information providing provider side that operates the provisions side or the medical expenses information providing business,
The medical expense information providing method according to any one of claims 11 to 13, characterized in that: The medical cost information system further includes a step of calculating a medical cost to be paid by a payee for each medical institution and each information on the medical practice based on the extracted medical cost information,
In the transmitting step, transmitting the calculated medical expenses to the user system via the network instead of or together with the extracted medical expenses information,
The method for providing medical expense information according to claim 11, wherein   In the calculating step, the burden ratio is also referred to by referring to a database that stores the burden ratio of the medical expenses for each bearer according to various personal information of the bearer and personal information for each bearer. 16. The medical expense information providing method according to claim 15, wherein a medical expense to be paid by a person is calculated for each of the medical institutions and each of the information related to the medical practice.   In the calculating step, the burden ratio for each bearer who bears at least a part of the medical expenses according to various consultation histories, and the reception history for each bearer, also refer to a database that stores 16. The medical expenses information providing method according to claim 15, wherein the medical expenses to be paid by the payee are calculated for each of the medical institutions and each of the information on the medical practice.   Via the network, accepting a change in the burden ratio or burden amount from the burdener and changing the burden ratio or burden amount of the medical expense information corresponding to the burdener in the first database. The medical expense information providing method according to any one of claims 11 to 17, comprising: A medical cost information providing server for providing medical cost information on a specific medical practice at a desired medical institution to a user system via a network,
Through the network, by receiving information related to medical practice in a medical institution transmitted from the user system, receiving means for receiving a request for the medical cost information,
A database that stores in association with the medical practice in the medical institution, medical expenses information on the burden and burden ratio or burden amount,
Searching the database in response to the request for the medical cost information, extracting the medical cost information corresponding to the transmitted information on the medical practice at the desired medical institution, and providing the same to the user system via the network. Providing means,
A medical expense information providing server comprising: Based on the extracted medical cost information, further comprising a step of calculating a medical cost to be paid by a payee for each of the medical institutions and for each information related to the medical practice,
Providing the calculated medical cost to the user system via the network, in place of the extracted medical cost information or together with the extracted medical cost information,
20. The medical cost information providing server according to claim 19, wherein:   When the change of the share ratio or the share amount of the sharer in the database is requested by the sharer, the share ratio or the share amount of the medical expense information corresponding to the sharer in the database is changed. 21. The medical cost information providing server according to claim 19, further comprising a change unit.

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