JP2006244458A - Medical expense substitution system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a medical expense substitution system in which a representative mediates medical expense. <P>SOLUTION: A person T in charge of medical treatment carries a portable telephone 81, the mobile phone 81 can access a center device 4, the mobile phone 81 notifies the center device 4 of patient identification information, medical treatment execution and person in charge of medical treatment identification information, the center device 4 calculates treatment pay and medical expense on the basis of the medical treatment execution for each notified patient K, the center device 4 notifies the portable telephone 81 of a copayment being a difference amount between the treatment pay and the medical expense, the person T in charge of medical treatment collects the copayment displayed by the mobile phone set 81 from the patient K, and an operator G representatively receives the medical expense calculated by the center device 4 from an assurer and pays the medical expense to the person T in charge of medical treatment. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a medical expenses surrogate system for an agent to mediate medical expenses.

  First, I will explain the social fields and terms to which this technology is applied.

  Health insurance benefit systems can be broadly divided into two categories: “medical benefits” as medical benefits at insurance medical institutions and “payment of medical expenses” as medical expenses at non-insurance medical institutions.

  In the case of health insurance handled by general insurance medical institutions, when the insured person (person who takes out health insurance) becomes ill, the country, the insurer (municipal administration, insurance association, etc.) Instead of paying the insured with cash, the insurance medical institution provides benefits as a medical practice. For example, in-patient treatment, drug prescriptions, etc. This is called “medical benefit”. Also, it is generally called “in-kind benefit”. In other words, it means the provision of “medicine” in kind.

  The above is stipulated in Article 63, paragraph 1 of the Health Insurance Act.

  On the other hand, for example, acupuncture massage is a treatment defined in the Health Insurance Law. However, acupuncture massage does not fall under “medical treatment benefits” performed by general insurance medical institutions. Acupuncture massage is positioned as a treatment act outside insurance medical institutions. Therefore, in the case of acupuncture massage, it is included in the category of “Medical treatment payment system”. “Medical treatment payment system” refers to a system in which an insurer pays for expenses incurred outside an insurance medical institution such as a hospital or clinic. In this system, in addition to acupuncture massage, medical expenses are provided for the provision of treatment equipment, judo rehabilitation, live blood charges, and transport costs.

  The above is stipulated in Article 87 (1) of the Health Insurance Act.

  This provision states that if it is difficult for an insured person to go to a medical institution such as a hospital, or if treatment or treatment is received at an acupuncture massage institution, etc. Benefits are stipulated. In other words, a system is adopted in which an insurer “provides cash (also referred to as cash benefits)” if the insured makes a request for expenses paid to an acupuncture massage clinic or the like. This “cash payment” is called “payment of medical expenses” or “repayment”.

  The flow of money in the reimbursement payment system (the medical treatment payment system), for example, when the Acupuncture Massage Center dispatches the practitioner to the insured person under the health insurance system. Is shown in FIG. In other words, once the insured has paid the full amount of the treatment fee, and the insurer is charged for the treatment cost, the amount other than the self-payment of the treatment cost, that is, the treatment cost is later refunded in the form of account transfer, etc. Will be paid).

  In addition, there exists patent document 1 as prior art literature regarding early cashing of medical expenses. Moreover, there is Patent Document 2 as a prior art document of a system for collecting work records using a terminal device and a barcode in home-visit nursing for a home patient.

JP 2002-15059 A JP-A-10-137301

  By the way, it is difficult for the insured to use the reimbursement system. This is because it is not easy for the general insured to determine whether the treatment / treatment received by him / her is covered by health insurance, so the procedure for claiming is difficult.

  Even if it is found to be applicable, it takes very time-consuming paperwork to claim the medical expenses for the insurer. In addition, it takes more than three months for the medical expenses to be redeemed in cash.

  In addition, many insured persons who wish to undergo treatment are in a state of requiring nursing care, and it is very difficult to perform troublesome procedures themselves.

  The complicated structure of the reimbursement system as described above prevents the spread of health insurance use in acupuncture massage. In order to solve such social problems, it is in accordance with the provisions of Article 643 of the Civil Code that an agent accepts insurance claims and medical expenses. However, there has been no system for rationally performing such agent mediation.

  Therefore, an object of the present invention is to solve the above-described problems and provide a medical expenses proxy system for an agent to mediate medical expenses.

  In order to achieve the above object, the present invention is based on the fact that the agent mediates the payment of medical expenses from the insurer to the insured person for the treatment costs for non-insurance medical institutions such as acupuncture massage received by the insured person. A system that organizes a company that includes a business operator that dispatches a person in charge of the above treatment and a patient who is an insured person who receives the treatment, and this association serves as the patient's agent The person in charge of treatment carries a portable terminal that can be connected to the communication network, and a center device connected to the communication network is installed in the association. The portable terminal performs treatment together with patient identification information for identifying a patient. And a treatment notification function for notifying the center device of the collected information and treatment personnel identification information for identifying the treatment personnel via the communication network. Has a database that stores known information, and has a calculation function that calculates treatment costs based on the type of insurance for the treatment costs by calculating treatment costs based on the treatment implementation information for each patient accumulated in the database Furthermore, the center device has a cost notification function for notifying the mobile terminal of a self-pay amount that is the difference between the calculated treatment cost and the medical treatment cost, and the person in charge of the treatment displays the self-pay amount displayed on the mobile terminal. The association collects the medical expenses calculated by the center device from the insurer and pays the business to which the person in charge of the treatment belongs.

  The operator has a fixed terminal at the office, and the fixed terminal has a patient input function for inputting a newly enrolled patient name and an enrollment notification function for notifying the patient name to the center device via a communication network, The center apparatus may have a registration function for newly registering the notified patient name in the database.

  The fixed terminal has a treatment result list request function for requesting a treatment result list of a desired patient with respect to the center device, and the center device is configured for the patient based on information for each patient stored in the database. You may have the treatment performance list response function which produces the treatment performance list which described the treatment date and time, and the treatment person in charge, and responds to the said fixed terminal.

  In addition, the present invention is a system for an agent to mediate payment of medical expenses from an insurer to an insured person for medical expenses other than an insurance medical institution such as acupuncture massage received by the insured person. A business operator that dispatches a person in charge of the above treatment acts as an agent, and the person in charge of the treatment carries a portable terminal that can be connected to the communication network, and from this portable terminal to the center device connected to the communication network. The portable terminal has a function of positioning the current position, and the positioning information, patient identification information for identifying the patient, treatment execution information indicating that treatment is being performed, and a treatment staff who identifies the treatment staff The center device has a treatment notification function for notifying the center device of identification information via a communication network, and the center device includes a database for storing the notified information and stores the disease information stored in the database. It has a calculation function to calculate the treatment cost based on the treatment implementation information for each and calculate the medical treatment cost according to the insurance type for the treatment cost. Further, the center device has a difference between the calculated medical treatment cost and the medical treatment cost. It has a cost notification function for notifying the mobile terminal of a certain amount of self-pay, and the person in charge of treatment collects the self-pay amount displayed on the mobile terminal from the patient. Reimbursement of medical expenses from the insurer and payment to the treatment staff.

  The present invention exhibits the following excellent effects.

  (1) The patient can omit the procedure and receive medical expenses early.

  (2) The business operator can surely know the treatment results.

  Hereinafter, an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

  FIG. 1 shows, by way of example, a case where a person in charge of treatment visits a patient at home and treats the hardware members used in the medical treatment surrogate system according to the present invention and the arrangement and functions thereof.

  The medical expenses surrogate system according to the present invention organizes an association that includes a business person dispatching a person in charge of treatment and a patient who is an insured as a member, and this association serves as the patient's agent. It is a system in which the association mediates the payment of medical expenses from the insurer to the patient for the medical expenses due to the received medical treatment, and hardware such as a computer is used for information processing at that time.

  As shown in the figure, in the medical expenses proxy system according to the present invention, the treatment person T carries the portable terminal 1 and visits the patient's home 2. The mobile terminal 1 may be configured as a dedicated machine equipped with all the functions necessary for the present invention including the function to connect to the communication network, but the function to connect to the communication network is provided at low cost by a commercially available mobile phone. Therefore, an adapter having only functions that are not available in a mobile phone may be added to the mobile phone (see FIG. 3 for details).

  On the other hand, patient K has card 3 issued when contracting with company G for membership, and presents card 3 when receiving treatment at patient home 2. The card 3 stores a start code and an end code that give different values for each patient, and the mobile terminal 1 has a reading function for reading the start code and the end code from the card, and when the reading is performed. And a clock function for recognizing the time (including date) of the patient K, when the treatment person T starts treatment of the patient K, the portable terminal 1 reads the start code from the card 3 of the patient K, By making the portable terminal 1 read the end code from the card 3 when the treatment action is finished, the treatment execution information indicating that the treatment is performed together with the patient identification information, and the treatment start time and the treatment end time are collected. It has become. The card 3 may be a paper or plastic business card-sized card printed with an optical barcode as a code (see FIG. 2 for details). An optical two-dimensional code called a TQ code can also be used.

  A center device 4 connected to the communication network is installed in the meeting. The center device 4 includes a so-called server 5 that collects and delivers data to and from the portable terminal 1 and a fixed terminal, which will be described later, via a communication network, a database 6 that is a patient registration register and stores collected data, and It consists of the arithmetic unit 7 which performs calculation. The processing performed by the arithmetic device 7 to realize various functions will be clarified in the following description of the operation, but it goes without saying that a program for these processes is stored in the arithmetic device 7.

  The business operator G has a fixed terminal 8 composed of a personal computer at the business office 9. Note that the operator G is a person who has one or more treatment personnel T and performs a business of dispatching the treatment personnel T. Here, the treatment personnel T is the operator G. The case where the office 9 is opened and no other person in charge of treatment is employed will be described. Hereinafter, the person in charge of treatment T is the operator G and person in charge of treatment T.

  The fixed terminal 8 is used to input the name of a patient who newly contracts for membership and notify the center apparatus 4 or request the center apparatus 4 for a list of treatment results for the patient K. That is, the fixed terminal 8 has a membership notification function and a treatment result list request function. However, these functions do not have to reside in the fixed terminal 8 and can be temporarily acquired by a general personal computer communication function. That is, the site provided by the center device 4 is accessed from the fixed terminal 8, and the treatment person T operates according to the operation guidance received from this site and displayed on the screen, thereby registering the patient name and obtaining the list. You can do it. On the other hand, the center device 4 may prepare a registration function and a treatment result list response function according to the operation content in the fixed terminal 8 in the site to be provided.

  As shown in FIG. 2, a card logo 31, a company name, a patient name 32, a business office contact information, and the like are printed on the card 3. Here, “Ryoko Takahashi” is printed as the patient name 32. Further, a start code 33 and an end code 34 are printed on the card 3. As shown in the figure, when the patient name 32 is arranged in the center of the card 3 and the start code 33 and the end code 34 are arranged in the left and right corners, even a person with low vision can easily read the code. Can do.

  As shown in FIG. 3, the mobile terminal 1 may be configured by adding an adapter 11 to a commercially available mobile phone 12. The adapter 11 includes an output terminal 14 for connecting to the external terminal 13 of the mobile phone 12, and an optical bar code reader 15 for reading the start code 33 and the end code 34, and when the bar code is read. It has an automatic transmission function for selecting and transmitting a predetermined telephone number or address set in the mobile phone 12, and a function for passing the read start code and end code to the data communication function of the mobile phone 12. Needless to say, the time when the start code is read is the treatment start time, and the time when the end code is read becomes the treatment end time. Further, by reading the start code, information that treatment is performed, that is, treatment execution information is generated.

  In the following, the operation of the medical expenses proxy system in FIG. 1 will be described focusing on the medical practice and the flow of information relating to that practice.

  The first step is patient enrollment. Association and patient K exchange membership contracts. At that time, it goes without saying that necessary information such as the name, address and insurer number of the patient K is notified to the association. Here, it is assumed that the treatment person T goes to the patient K in the patient's home 2 to perform the membership contract. Thus, the treatment person T not only takes charge of the treatment but also serves as a window when the patient joins. The person in charge of treatment T returns to the office 9, accesses the site provided by the center device 4 from the fixed terminal 8, and performs a membership notification work (registration work). As a result, an enrollment contract can be made without the patient K going to the meeting location.

  The site starts from the menu screen, and enters the patient master edit (details) screen from the contract expiration date confirmation screen. FIG. 4 shows a patient master edit (details) screen. In the following, the item names in the screen are enclosed in “”. An example of data on the screen is enclosed in “”.

  At the top of the patient master edit (details) screen, the route of this screen is displayed in order, a button to return to each route (a floating rectangle that is clicked with the mouse), and an end button to log off from this site Is displayed.

  Under the title “Patient Master Edit (Details) Screen”, an operation guide for this screen is displayed, and a registration table is displayed under the screen. Hereinafter, each item of the registration table will be described.

  The “patient code” is an item for displaying a patient code for specifying the patient K in the center device 4 of FIG. Now that a new contract has been made, the center device 4 allocates an unused patient code “73”, writes it in a dialog box (an empty column for entering characters), and presents it to the fixed terminal 8. . “Patient name” is an item for displaying a patient name. The “Ryoko Takahashi” displayed in the “Patient Name” dialog box has just been entered by the treatment person T. The “patient abbreviation name” is an item for registering a name appropriately defined by the person in charge of treatment T, but may be the same as the patient name. By registering this information in the center device 4, after a contract, when it is desired to see a list of treatment results of a desired patient, the treatment result list can be opened with the patient abbreviation instead of the patient code and the patient name full name. .

  The “treatment person name” is an item for displaying the name of the treatment person T. “Taro Yamada” displayed in the “treatment person name” dialog box is presented by the person in charge of treatment T or judging from the ID accessed by the center device 4.

  “TEL” is an item for inputting the telephone number of the patient K. The “insurer number” is an item for inputting the number of the insurer to whom the patient K has joined.

  “Start code” and “End code” are items for displaying a start code and an end code. It goes without saying that these codes include patient codes.

  When an appropriate input is made for each of the above items and the registration button is pressed, the data displayed on this screen is notified to the center device 4 and the registration operation is completed. The center device 4 stores the notified data in the database 9.

  After the registration is completed in this way, the card 3 is mailed or handed directly from the treatment person T to the patient K.

  Next is a home treatment step. After the patient K is registered, the treatment person T goes to the patient's home 2 and when the treatment person T starts treatment for the part specified in the consent form to the patient K, the card 3 of the patient K When the mobile terminal 1 reads the start code 33 from the mobile terminal 1, the patient code and the treatment start time are collected in the mobile terminal 1, and the mobile terminal 1 calls the center device 4 by automatic transmission to notify the patient code and the treatment start time. . When the treatment action is finished, the portable terminal 1 reads the end code 34 from the card 3 so that the patient code and the treatment end time are collected in the portable terminal 1, and the portable terminal 1 automatically transmits the center device 4. To notify the patient code and treatment end time.

  The center device 4 can identify the owner of the mobile terminal 1 that has made the notification, that is, the person in charge of treatment T, based on the caller ID notification (or the sender address of the message) of the mobile terminal 1. Or the person-in-charge information representing the person in charge of treatment T who is the owner of the adapter is stored in the adapter 11 of the portable terminal 1, and the person-in-charge information is notified to the center apparatus 4 along with the notification of the start of treatment. You may do it. As a result, the center device 4 recognizes in real time that the treatment person T is treating the patient K (that is, treatment execution information is transmitted to the center device 4). . Further, after the treatment is completed, information that the treatment person T has treated the patient K from what time to what time of the day is accumulated.

  In the center device 4, information on the distance that the person in charge of treatment T passes from the office 9 to the patient's home 2 and information on the part to be treated are stored in advance. The information on the part is written in the doctor's consent form. Only the treatment for the site agreed by the doctor is covered by the medical treatment payment system. The distance information can be obtained by referring to the latitude and longitude from a map or a map database issued by the Geographical Survey Institute or a map publisher based on the addresses of the office 9 and the patient's home 2.

  Next, it is a step of browsing results. The person in charge of treatment T can request the center device 4 for a list of treatment results for the patient K using the fixed terminal 8 at any time. When the site provided by the center device 4 is accessed from the fixed terminal 8, the site starts from the menu screen and enters the treatment result browsing / editing screen from the treatment person selection screen. FIG. 5 shows a treatment result browsing / editing screen. In the following, the item names in the screen are enclosed in “”. An example of data on the screen is enclosed in “”.

  At the top of the treatment result browsing / editing screen, the route of this screen is displayed in order, and a button for returning to each route and an end button for logging off from this site are displayed.

  Under the title “Browsing / editing treatment results”, operation guidance on this screen is shown, and a patient selection bar written as “Taro Yamada” is displayed below. This is because Taro Yamada, who is the treatment person T, is selected on the treatment person selection screen (not shown) and this treatment result browsing / editing screen is entered. The patient selection bar is provided with a dialog box for specifying the patient name and a dialog box for specifying the year and month, each of which can be input manually or by opening a pull-down menu and selecting from the candidates. . In this example, “Ryoko Takahashi” is designated as the patient name, and “April 2004 level” is designated as the year and month. The display button is a button for displaying the treatment result of the patient selected in the pull-down menu.

  Below the patient selection bar, there is a registration bar. The registration bar contains “New Registration” and its dialog box, “Treatment Start” and “Treatment End” radio buttons (the circles clicked with the mouse). , "Treatment person in charge", its dialog box, and a registration bar with registration buttons are displayed. The registration referred to here is to manually input the treatment result from the fixed terminal 8. In other words, if you forget to collect the code on the mobile terminal 1 or if the patient K loses sight of the card 3, the necessary data can be entered on the fixed terminal 8 after the treatment is completed. It is what. Enter the date in the dialog box, specify the start or end with the radio button, enter the person in charge of treatment and press the registration button, the patient data specified in the patient selection bar is sent to the center device 4 The

  On the treatment result browsing / editing screen illustrated in FIG. 5, a treatment result list of Ryoko Takahashi who is the patient K is displayed. The treatment result list has columns of items of “data type”, “question”, “date”, “edit”, “treatment start”, “treatment end”, “time”, “treatment person”, and “comment”. Consists of.

  “Data type” is a column for displaying the name of the person who modified the data in the column. “Question” is a column for displaying a question mark in a column in which data such as start time, end time, treatment person, etc. is missing. For example, when the center device 4 reads out the stored contents from the database 6, the center device 4 checks the presence or absence of data.

  “Date”, “Treatment start”, and “Treatment end” are items for displaying the treatment start time and treatment end time of the patient K read from the database 6 by the center device 4 separately for the date and time. “Time” is an item for displaying the treatment time obtained by subtracting the treatment start time from the treatment end time.

  The “Edit” column is a check box, and when a check is input by mouse click or the like, editing becomes possible. Editing is to input missing data or rewrite already existing data.

  The “treatment person in charge” is the name of the person in charge of treatment T who is in charge of the treatment displayed in the column. In this example, all are “Taro Yamada”, but when the same patient K is treated by different treatment personnel T, different names are arranged in this column. The “comment” column is a column where a memo or the like can be entered as appropriate. Of course, since the data input in this field is also stored in the center device 4, the same contents are displayed when this page is opened again.

  Along with the treatment results list, several editing buttons are displayed. These buttons are buttons for starting editing. Of these buttons, the “edit question data” button starts editing only the data missing in the column with the question mark in the “question” column. The “edit selected data” button starts editing a column selected by the person operating the fixed terminal 8. The “edit all data” button starts editing all data in the treatment result list.

  In the illustrated treatment results list, the treatment results for the 2nd, 9th, 16th, and 23rd of April are displayed, each of which means that Taro Yamada was treated for around 20 minutes. I understand.

  As described above, the treatment person T can view and edit the treatment result list of the patient K using the fixed terminal 8 at any time, so that it is easy to grasp the operation status of the business. can get. In addition, the treatment result list of the patient K can be printed out as a form in the fixed terminal 8. If this form is brought to the patient's home 2, the patient K can grasp the treatment results he / she is receiving.

  The flow of each step described so far is the same when the business operator G has two or more treatment personnel T. Even when the same operator G dispatches different treatment personnel T to the same patient K, identification information of the patient K is collected from the card 3, and the treatment personnel T is included in the adapter 11 of the portable terminal 1 that collects the identification information. Are stored in the center device 4 at the start of treatment. Accordingly, the operator G can not only view the past treatment results for the patient K by using the fixed terminal 8, but also grasp in real time who is currently treating the patient K at this moment. It becomes possible.

  Up to now, the explanation has focused on the medical practice and the flow of information related to the practice. Next, the following will explain the flow of information and the flow of documents related to the exchange of money and the money associated therewith.

  In the patient enrollment step of FIG. 1, patient K receives a written consent from a doctor stating that he / she agrees with a treatment act outside the insurance medical institution. This consent form is required by a notification from the Ministry of Health, Labor and Welfare. The consent form includes the site of treatment approved by the physician. Patient K will submit a consent form and a letter of attorney to the meeting. The power of attorney is represented by the association and is necessary for the agent to accept insurance claims and medical expenses.

  There is no money exchange at this point. The center device 4 determines the insurance type of the patient K based on the data accumulated by the notification from the fixed terminal 8. The insurance type is classified according to the type of insurer, taking into account the age group of the patient, and the percentage of self-pay is determined according to the presence or absence of physical disability, income, etc., and conforms to the provisions of the Health Insurance Act Is. By storing the determination formula based on this rule in the center device 4 in advance, the center device 4 can determine the insurance type.

  Further, the center device 4 inputs the part information described in the consent form into the database 6 in advance. This is because the unit cost of treatment costs varies depending on the site. In the center device 4, information on the distance that the person in charge of treatment T passes from the office 9 to the patient's home 2 is created in the database 6. This is because the amount of money to be calculated according to the distance is included in the treatment cost. As described above, since the part information and the distance information are prepared in advance, the treatment cost can be calculated immediately after the treatment execution information is obtained.

  In the home treatment step, when the treatment starts and the start code is notified to the center device 4 or the treatment is finished and the end code is notified to the center device 4, the center device 4 treats the treatment cost according to the region and the distance. Since the medical expenses corresponding to the type of insurance for the medical expenses are calculated and the medical expenses, the medical expenses, and the self-payment amount that is the difference between them are notified to the mobile terminal 1, the treatment person T Claim the self-pay. As shown in FIG. 6, the patient K pays a self-pay amount to the treatment person T and receives a receipt (not shown). The insurance type represents the distinction between old age insurance, national health insurance, retired national health insurance, company insurance, union, mutual aid, etc., and age distinction in each, and also includes the distinction according to the presence or absence of disability. . The percentage of self-pay for each type of insurance is statutory.

  Next, as shown in FIG. 6, there is a step of paying medical expenses. In the above-described home treatment step, the treatment person T receives only the self-payment amount of the patient K within the treatment cost. The remaining amount, that is, medical expenses, is paid as follows. The center device 4 performs aggregation for each business operator G or for each person in charge of treatment T at a predetermined time such as every month. For example, from the data illustrated in FIG. 5, the time in April of the patient Ryoko Takahashi by the person in charge of treatment Taro Yamada can be totaled. Therefore, the treatment costs and medical expenses for April can be calculated. If other patients are also counted, the total amount of medical treatment for the treatment person Taro Yamada can be calculated. The center device 4 calculates the amount to be paid to the treatment person T by subtracting the fee from the total medical expenses. The association pays this amount to the business operator G to which the treatment person T belongs, and the business person G pays a corresponding amount to the treatment person T. The fee is a compensation for the convenience received from the association by the treatment person T, and is an expense for operating and maintaining the association.

  Next, there is a proxy receipt step. The center device 4 of the association secures financial resources for payment to the treatment staff by receiving the medical expenses from the insurer by proxy in parallel with the above-mentioned medical expenses payment step. For this purpose, the center device 4 performs aggregation for each patient K at a predetermined time such as every month. For example, from the data illustrated in FIG. 5, the time in April of patient Ryoko Takahashi can be totaled. Therefore, the treatment costs and medical expenses for April can be calculated. The center device 4 determines the insurer to be billed from the insurer number of the patient K, and in order to claim the medical expenses for the insurer, the format of the billing document (the calculation formula is determined by the insurer). In addition, according to this format, a document certifying treatment results and medical expenses is printed or created as electronic data. The association sends this printed document or electronic data to the insurer. When the insurer pays the medical expenses to the association, the money flow is completed.

  According to FIG. 6 which schematically illustrates the flow of money as described above, the patient K who is an insured person only has to pay the self-pay amount on the spot where he / she received the treatment. The person in charge of treatment T receives the self-pay amount of the treatment expenses from the patient K on the spot, and receives the medical expenses from the meeting in a lump sum (monthly fee). The society receives the medical expenses from the insurer by proxy, and subtracts the fee to pay the treatment person T (the business person G to which the treatment person T belongs).

  Comparing this flow with the conventional flow (Fig. 7), the insured has paid the treatment cost once and then invoiced the treatment cost to the insurer. For example, I waited for more than three months to be redeemed. According to the present invention, the insured person only has to pay the self-pay amount, in other words, the medical burden is reduced because the medical expenses are reimbursed on the spot. Also, the insured person does not have to carry out the claim procedure by himself / herself, which is very effective when the procedure is difficult to carry out by himself / herself due to age, symptoms or physical disability.

  On the other hand, from the viewpoint of the person in charge of treatment T, in the past, the entire amount of treatment cost could be received from the patient for each treatment, whereas in the present invention, only the patient's own expense is received on the spot, and the rest is received. Since it is summarized for a month, it cannot be said that it is advantageous in terms of money, but since it becomes easier to secure fixed customers by adopting the membership system, it is advantageous for ensuring stable business.

  Overall, the present invention can alleviate the burden on the procedure and cost of the patient K, and contributes to the appropriate utilization of the administrative service called the current health insurance system.

  The present invention is also useful for improving the quality of home care services. That is, when the person in charge of treatment T starts and ends treatment, the mobile terminal 1 notifies the center device 4 of the treatment start time and treatment end time as the time recognized by the clock function, and the result data is sent to the fixed terminal 8. Therefore, there is no discrepancy between the report of the treatment time and the actual discrepancy due to the mistake (sometimes intentionally inflated) of the treatment person T as in the past.

  Heretofore, the case where the treatment person T visits and treats the patient K who is at home has been described. However, the present invention is applicable even when the patient K visits the place of treatment person T (such as an acupuncture massage hospital). Needless to say, is applicable.

  Moreover, although the case where the card | curd 3 which printed the optical bar code was distributed to the patient K as an information collection means which collects treatment implementation information and this was read with the communication terminal 1 was demonstrated, not only this but treatment implementation information is If there is something that can be collected, the present invention can be implemented.

  Next, another embodiment of the present invention will be described in detail with reference to the accompanying drawings.

  As shown in FIG. 8, the medical treatment surrogate system according to the present embodiment provides medical treatment from an insurer to an insured person for treatment costs other than an insurance medical institution such as acupuncture massage received by the insured person. This is a system for an agent to mediate the payment of expenses, and a business terminal G that dispatches a person in charge of treatment T who performs the above-mentioned treatment acts as an agent, and the person in charge of treatment T can connect to a communication network ( A mobile phone 81), and the center device 4 connected to the communication network can be accessed from the mobile phone 81. The mobile phone 81 has a function of positioning the current position, and the positioning information, patient K A treatment notification function for notifying the center device 4 of communication identification information for identifying patient identification information, treatment implementation information indicating that treatment is being performed, and treatment personnel identification information for identifying a treatment personnel; The device 4 includes a database 6 for storing the notified information, calculates a treatment cost based on the treatment execution information for each patient K accumulated in the database 6, and provides a medical treatment cost corresponding to the insurance type for the treatment cost. The center device 4 has a cost notification function for notifying the mobile phone 81 of a self-pay amount that is the difference between the calculated treatment cost and the medical treatment cost, The person in charge of treatment T collects the self-payment amount displayed by the portable terminal 81 from the patient K, and the business operator G who is the agent receives the medical expenses calculated by the center device 4 from the insurer as a substitute, and the person in charge of treatment T Is what you pay for.

  In FIG. 8, since the communication path is illustrated in a simplified manner, the mobile phone 81 seems to be directly communicating with the server 5 of the center device 4, but the mobile phone 81 is connected to the hosting system of the mobile phone network. The communication content is transmitted from the hosting system to a general Web server by wire or wireless, and the communication content is transmitted from the Web server to the server 5 of the center device 4. Intervening is not prevented.

  In this embodiment, the insured person (patient) K and the business operator G do not form a special association, and the business operator G acts as an agent. The business operator G, who is the agent, receives the medical expenses from the insurer by proxy, and deducts the necessary expenses to pay the treatment person. Simply put, the money flow shown in FIG. 6 is slightly changed to unify the association and the business.

  In this embodiment, the person in charge of treatment T visits the patient's home 2 with a mobile phone 81 having a treatment notification function. Here, the mobile phone 81 is a commercially available mobile phone that can communicate messages and contents and can measure the current position by GPS, and does not include a special adapter 11 that can read a barcode as in the system of FIG. The patient K does not have the card 3. Instead, information necessary for the treatment notification function is registered in advance in the center device 4, and the center device 4 provides information to the mobile phone 81 to perform treatment notification.

  Further, the center device 4 does not require independent hardware dedicated to the association, and the server of the communication service provider has the role of the center device 4.

  Furthermore, in this embodiment, the cellular phone 81 is also provided with functions such as browsing / editing that were given to the fixed terminal 8 in the system of FIG. This is also performed by the center device 4 providing information to the mobile phone 81.

  Further, a sales person belonging to the office may carry the same mobile phone 81 as the treatment person T, visit the patient's home 2 for business activities, and use the mobile phone 81 as a sales activity support device. Made possible.

  Hereinafter, a detailed description will be given centering on the portions where these changes are made.

  The cellular phone 81 can perform various functions by accessing a site provided by the center device 4 and displaying the pages shown in FIGS. 9 to 18. The center device 4 holds information on a page to be displayed on the mobile phone 81, provides the information in response to a request from the mobile phone 81, and operates the mobile phone 81 on the displayed page. The added information can be captured.

  In addition, when accessing the site provided by the center device 4 from the mobile phone 81, a person who operates the mobile phone 81 inputs a user ID and a password. The center device 4 accesses based on the input identification information. It is determined whether the person who performed the treatment is a treatment person T or a sales person who will be described later. In the following, first, the case of the person in charge of treatment T will be described.

  First, as shown in FIG. 9, the first menu page displayed when accessing the site includes the title 91 of this page, the name 92 of the person in charge of treatment T, and the name 93 of the work to be performed thereafter. A list is displayed. The name of the person in charge of treatment 92 is determined by the center device 4 from the user name (e-mail address) used for accessing the site. In the mobile phone 81, the treatment person T selects the work name 93 by an appropriate button operation, thereby notifying the center device 4 of the desired work, and as a result, for the desired work on the screen of the mobile phone 81. You can open the page.

  The work name includes “daily report input”, “daily report correction”, “history search”, “daily report history”, “schedule list”, “schedule addition”, and “customer information”. The daily report input is an operation performed when starting and ending treatment at the patient's home 2 and is performed in order to accumulate treatment result data by collecting patient identification information and treatment execution information and notifying the center device 4. . Daily report correction is an operation of manually adding or correcting treatment results accumulated by daily report input. The history search is an operation for browsing and editing the accumulated treatment results using the person in charge as a key. The daily report history is a work for viewing and editing the history of today's date. The schedule list is an operation for displaying a list of schedules that have already been stored. The schedule addition is an operation for adding a new schedule to a schedule that has already been stored. Customer information is an operation for displaying detailed information about a customer.

  Here, the history is the treatment results explained in the system of FIG. The daily report is an operation for notifying the patient identification information, treatment start time, treatment end time, and treatment person identification information described in the system of FIG. A customer is an insured person and a patient K. Further, the schedule is a date in which a scheduled visit date and a patient name are written, and has the purpose of simplifying the input operation on the spot by reading the schedule when performing treatment.

  Hereinafter, display contents and operations of various pages opened for each operation will be described. Even if any of “daily report input”, “daily report correction”, “history search”, “daily report history”, “schedule list”, “schedule addition”, and “customer information” is selected from the menu page of FIG. The screen (a) is displayed.

  As shown in FIG. 10A, in daily report input and other operations, a page having the title 101 “customer search” is first opened. This page has a dialog box 102 for entering a customer code. When the person in charge of treatment T knows the customer code, the customer code is entered in the dialog box 102 and the confirmation button 103 is operated to select the customer. can do. In this case, it is possible to proceed immediately to the next page (shown in FIG. 11).

  This page also includes dialog boxes 104, 105, and 106 for inputting the customer's whereabouts area number, customer name (phonetic), and customer phone number. By entering the area number, the customer (patient) resides. I can narrow down the area. The customer name or customer telephone number does not need to be entered in all digits. When the search start button 107 is pressed after entering the appropriate digits, the entered character string is searched in the center device 4 and the search result is shown in FIG. As shown in FIG. 10 (b), the screen changes to a screen titled “Surgery input” and the corresponding customer candidates 108 are displayed in a list. The display of the customer candidate 108 can be scrolled. Thus, since the customer search can be used by inputting the reading of the customer name in the dialog box 105 without inputting the customer code, the treatment person T can use it without knowing the customer code.

  A dialog box 1001 for a scheduled date and a start button 1002 are displayed together on the screen titled “Surgery input” shown in FIG. In addition, although the screen illustrated here displays the scheduled treatment item, it goes without saying that the treatment item for which treatment has already been completed can be displayed in the same manner.

  The treatment person T selects a desired customer from the displayed customer candidates 108 and presses the selection button 109 to proceed to the next screen page (shown in FIG. 11).

  As shown in FIG. 11, when a customer is selected, a page that has the same title “procedure input” but has a subtitle “input input” and specifies one patient is opened. On this page, customer code 112, customer name 113, customer location 114, date 115, and start time 116 are displayed. The start time 116 means the time when the person in charge of treatment T started treatment of the patient K, and the current time when the page is opened is displayed and held as it is. On this page, a registration button 117, a final input button 118, a clear button 119, and a rest input button 120 are displayed. The treatment person in charge T can press an arbitrary button. Here, a case where the final input button 118 is pressed and a case where the rest input button 120 is pressed will be described.

  The end input button 118 is to be pressed when the treatment is finished. Then, the screen of FIG. 11 changes to the screen of FIG. That is, the end time 121 is added, and instead of deleting various buttons, a special item dialog box 122 is displayed.

  The rest input button 120 is to be pressed when resting a scheduled treatment. Then, the screen of FIG. 11 changes to the screen of FIG. That is, a dialog box 131 for holiday classification and a dialog box 132 for special items are displayed in an overlapping manner. A pull-down menu 133 is attached to the holiday category, and candidates to be entered in the dialog box 131 can be displayed.

  Above, the description regarding the display of the mobile phone 81 when the treatment person T operates is completed.

  The system shown in FIG. 14 is a system that forms part of the medical expenses proxy system shown in FIG. 8, and the sales person A visits the patient's home 2 with the same mobile phone 81 as the medical person T. This is a support system for conducting sales activities. .

  When the sales representative A accesses the site of the center device 4, the menu page of FIG. 9 is displayed on the cellular phone 81, and “daily report input”, “daily report correction”, “history search”, “daily report history”, “schedule list” are displayed. The screen shown in FIG. 10A is displayed regardless of which of “Add”, “Add schedule”, and “Customer information”. In the “customer search” screen of FIG. 10A, the customer can be selected by performing the same operation as that of the treatment person in charge T already described. A customer can be selected by inputting a customer code in the dialog box 102 and operating the confirmation button 103. In this case, it is possible to proceed immediately to the next page (shown in FIG. 16). When searching from the customer name (phonetic), when the search start button 107 is pressed after entering an appropriate digit, the input character string is searched by the center device 4, and the search result is as shown in FIG. The screen changes to a screen titled “Item list”, and corresponding customer candidates 151 are displayed in a list. The display of the customer candidates can be scrolled. By pressing the select button 152, the customer is identified and can proceed to the next page (shown in FIG. 16).

  In the screen titled “Matter start registration” shown in FIG. 16, a category 161, a code 162, a customer name 163, and a customer address 164 are displayed, and the responsible person 165, date 166, start time 167, end time 168 is displayed. By pressing the start registration button 169, the start time 167 is fixed.

  The screen of the title “work input” shown in FIG. 17A has the same category 161, code 162, customer name 163, customer address 164, responsible person 165, date 166 as shown in FIG. A start time 167 and an end time 168 are displayed. In addition, dialog boxes 171 to 174 for work category 1, work category 2, work category 3, and work category 4 are displayed on this screen. There may be five or more work categories.

  The dialog boxes 171 to 174 are given default contents. The dialog boxes 171 to 174 are provided with an upward triangle button and a downward triangle button, and the default contents can be changed to other contents by these triangle buttons. For example, in work category 1, “before receiving” and “after receiving”, in work category 2 “sales” and “telephone” (meaning telephone sales), in work category 3, “new” and “existing” are changed. Can do.

  In the screen of the title “work registration” shown in FIG. 17B, the same category 161, code 162, customer name 163, date 166, start time 167, and end time 168 as shown in FIG. Is displayed. In addition, dialog boxes 175 to 177 for home-visit nursing, home care, and home care are displayed on this screen.

  Next, the operation of the medical expenses surrogate system shown in FIGS. 8 and 14 will be described focusing on the medical practice and the flow of information related to the practice.

  First, step S1 of the agent contract. Unlike the medical expenses proxy system in FIG. 1, since the insured (patient) K and the operator G do not form a special association and the operator G acts as an agent, the operator G and the patient K are agents. Exchange a contract. In FIG. 8, as in the case of FIG. 1, it is assumed that the person in charge of treatment T goes to the patient K in the patient's home 2 to perform the agent contract work. In this manner, the treatment person T not only takes charge of the treatment but also serves as a window when the patient makes a contract with the agent.

  However, for the person in charge of treatment T, work of an agent contract that is unfamiliar may be a burden. Therefore, as shown in FIG. 14, it is preferable that the sales representative A goes to the patient K in the patient's home 2 to make an agent contract.

  The sales representative A (or the treatment representative T is also acceptable) does not need to return to the office 9 in order to use the fixed terminal 8 after signing the agent contract. This is because the mobile phone 81 has a function of performing work completion notification work as described with reference to FIGS. Accordingly, the sales representative A can access the site provided by the center device 4 from the mobile phone 81 at the same time as the agent contract with the patient K, and notify that the agent contract has been made. it can.

  Next, it is step S2 of home treatment. After the patient K is registered, the person in charge of treatment T goes to the patient's home 2 and the person in charge of treatment T starts treatment for the part determined by the consent form for the patient K. At this time, the card 3 of the patient K is used in the medical expenses surrogate system of FIG. 1, but in the medical expenses surrogate system of FIG. 8, the center device 4 is accessed from the mobile phone 81 and FIGS. Use the screen to perform various tasks. As a result, the center device 4 is notified of the patient identification information for identifying the patient K, the treatment implementation information indicating that treatment is being performed, and the treatment personnel identification information for identifying the treatment personnel T. For example, when starting the treatment action, the center device 4 is accessed from the mobile phone 81, and the report of the start of treatment is performed using the screen of FIG. 11 already described. Use 12 screens to report the end of treatment. Accordingly, the treatment start / end time is notified to the center device 4.

  The center device 4 recognizes an event that the treatment person T is treating the patient K in real time (that is, treatment execution information is transmitted to the center device 4). Further, after the treatment is completed, information that the treatment person T has treated the patient K from what time to what time of the day is accumulated.

  In the center apparatus 4, information on the distance that the person in charge of treatment T passes from the office 9 to the patient's home 2 and information on the part to be treated are stored in advance. The information on the part is written in the doctor's consent form. Only the treatment for the site agreed by the doctor is covered by the medical treatment payment system. The distance information can be obtained by referring to the latitude and longitude from a map or a map database issued by the Geographical Survey Institute or a map publisher based on the addresses of the office 9 and the patient's home 2.

  Next, it is step S3 of results browsing / correction. The performance browsing / correction step S3 can be performed using the fixed terminal 8 as in the case of FIG. 1, but in this system, the person in charge of treatment T uses the mobile phone 81 to the center device 4 as shown in FIG. This is possible by accessing and selecting a daily report collection or other work name 93 from the screen of FIG. Further, as shown in FIG. 14, the sales representative A can access the center device 4 from the mobile phone 81.

  In this way, the information stored in the center device 4 can be displayed on the mobile phone 81, or corrected by the mobile phone 81 and stored in the center device 4, so that the real-time performed in step S2 of home treatment In addition to accumulating treatment execution information, the treatment execution information can be confirmed or corrected. Further, as shown in FIG. 10 (b), a planned case can be newly registered or corrected before performing the home treatment step S2. When the schedule is registered, the start of treatment can be input by calling the case from the schedule at the start of treatment in step S2 of home treatment.

  The sales step S4 is a step in which the sales representative A performs a so-called sales activity such as a business for developing a new patient and a business for delivering a non-digitized document such as a new contract or a doctor's consent. The sales step S4 is performed by the salesperson A accessing the center device 4 from the mobile phone 81 as shown in FIG. At that time, the performance information of the sales activity can be stored in the center device 4 as well as the treatment execution information described so far. Accordingly, the business operator of the business office 9 can access the center device 4 from the fixed terminal 8 and read the sales activities of the sales representative A for the present (real time), the past, and the future (scheduled). Based on this readout, the business operator can monitor the sales performance, sales schedule, work status, attendance / leaving status, current location, etc. of the sales representative A.

  Next, the exchange of money, the flow of information about the money and the flow of documents in the medical expenses proxy system of FIGS. 8 and 14 will be described with reference to FIGS.

  First, in the agent contract step, the patient K receives an agreement from the doctor stating that he / she agrees to a treatment action outside the insurance medical institution. The patient K submits the consent form and the power of attorney to the business operator G who is the agent. The power of attorney is represented by company G as an agent, and is necessary for the agent to accept insurance claims and medical expenses. Here, it is assumed that the operator G and the treatment person T are the same.

  There is no money exchange at this point. The center device 4 determines the insurance type of the patient K based on the data accumulated by the notification from the mobile phone 81 or the fixed terminal 8.

  Further, the center device 4 inputs the part information described in the consent form into the database 6 in advance. This is because the unit cost of treatment costs varies depending on the site. Further, the center device 4 calculates the distance that the person in charge of treatment T passes from the office 9 to the patient's home 2. The reason for calculating the distance is that the amount of money to be calculated according to the distance is included in the treatment cost. In order to calculate the distance, it is only necessary that the center device 4 can grasp information on the positions of the office 9 and the patient's home 2. The position of the patient home 2 is measured by the GPS positioning function of the mobile phone 81 when the treatment person T brings the mobile phone 81 to the patient home 2, and the positioning information is sent together with the notification of the start of treatment to the center device 4. Can tell. The location of the office 9 may also be measured in advance with the mobile phone 81 and stored in the database 6. Thus, since the part information and the distance information are stored in the database 6, the treatment cost can be calculated immediately if the treatment execution information is obtained. As described with reference to the system of FIG. 1, the locations of the office 9 and the patient's home 2 may be obtained by referring to a map database by an address or the like. Even when the treatment is carried out by moving away from the house where it is living, the place where the treatment is performed can be determined as the patient house 2.

  In step S2 of home treatment in FIG. 8, when the treatment starts and the start time is notified to the center device 4, and when the treatment is finished and the end time is notified to the center device 4, the center device 4 responds to the region and the distance. Since the medical expenses are calculated, the medical expenses corresponding to the type of insurance for the medical expenses are calculated, and the medical expenses, the medical expenses, and the self-payment amount that is the difference between them are notified to the mobile phone 81. Claim self-pay. Therefore, as shown in FIG. 18, the patient K pays a self-pay amount to the treatment person T and receives a receipt (not shown).

  Next, as shown in FIG. 18, there is a step of medical treatment payment (proxy receipt). In the above-described home treatment step S3, the treatment person T receives only the self-payment amount of the patient K out of the treatment cost. The remaining amount, that is, medical expenses, is paid as follows. The center device 4 performs aggregation for each business operator G or for each person in charge of treatment T at a predetermined time such as every month. For example, from the data illustrated in FIG. 5, the time in April of the patient Ryoko Takahashi by the person in charge of treatment Taro Yamada can be totaled. Therefore, the treatment costs and medical expenses for April can be calculated. If other patients are also counted, the total amount of medical treatment for the treatment person Taro Yamada can be calculated. The center device 4 calculates the amount to be paid to the person in charge of treatment T from the total medical expenses and notifies the operator G. The operator G pays a corresponding amount to the treatment person T.

  In the surrogate receiving step, the medical treatment expenses are paid from the insurer in parallel with the payment of the corresponding amount to the treatment person T, thereby securing the financial resources for payment to the treatment person. For this purpose, the center device 4 performs aggregation for each patient K at a predetermined time such as every month. For example, from the data illustrated in FIG. 5, the time in April of patient Ryoko Takahashi can be totaled. Therefore, the treatment costs and medical expenses for April can be calculated. The center device 4 determines a billing insurer from the insurer number of the patient, and claims the form of a billing document (including a calculation formula) determined by the insurer in order to claim medical expenses for the insurer. ) Is stored in advance, and a document certifying treatment results and medical expenses is printed or created as electronic data according to this format. The association sends this printed document or electronic data to the insurer. When the insurer pays the medical expenses to the association, the money flow is completed.

  Thus, also in the medical expenses proxy system of FIG. 8, as shown in FIG. 18, the insured person only has to pay the self-pay amount, and the economic burden is reduced. Also, the insured person does not have to carry out the claim procedure by himself / herself, which is very effective when the procedure is difficult to carry out by himself / herself due to age, symptoms or physical disability.

  On the other hand, from the viewpoint of the treatment person T and the business operator G, since the business operator G is entrusted to the agent, the insured person can be secured as a fixed customer, which is advantageous for ensuring stable business. Further, in comparison with the medical expenses proxy system in FIG. 1, the medical expenses proxy system in FIG. 1 that organizes the association is a large-scale business, but the medical expenses proxy system in FIG. It can be realized in a small-scale management form. In particular, when the operator G = the person in charge of treatment T, since it is a private management, the fees paid to others can be reduced.

  As mentioned above, although embodiment of this invention was described with reference to drawings, this invention is not limited to the thing of embodiment shown in figure. For example, the mobile terminal 1 is not limited to a mobile phone, but also includes a mobile personal computer or an electronic notebook having a communicable means. The medium for collecting information is not limited to an optical bar code but also includes a two-dimensional code. Various modifications and variations can be made to the illustrated embodiment within the same range or equivalent range as the present invention.

It is a block diagram of the medical expenses proxy system which shows one Embodiment of this invention. It is a top view of the card | curd used for one Embodiment of this invention. It is a perspective view of the portable terminal used for one Embodiment of this invention. It is a figure of the patient master edit (detail) screen displayed on a fixed terminal at the time of enrollment registration in one embodiment of the present invention. It is a figure of the treatment results browsing and editing screen displayed on a fixed terminal at the time of a treatment results list request in one embodiment of the present invention. It is the figure which represented the flow of money in one Embodiment of this invention. It is the figure which schematized the flow of the conventional money. It is a block diagram of the medical expenses proxy system which shows one Embodiment of this invention. It is a figure of the menu screen displayed on a mobile telephone in the system of FIG. (A) is a figure of the customer search screen displayed on a mobile telephone in the system of FIG. 8, (b) is a figure of the treatment input screen which is the search result. It is a figure of the input input screen of the treatment input displayed on a mobile telephone in the system of FIG. It is a figure of the final input screen of the treatment input displayed on a mobile telephone in the system of FIG. It is a figure of the operation input rest screen of the treatment input displayed on a mobile phone in the system of FIG. It is a partial block diagram of the medical expenses proxy system regarding the sales activity support included in the system of FIG. It is a figure of the item list screen displayed on a mobile phone in the system of FIG. It is a figure of the case start registration screen displayed on a mobile telephone in the system of FIG. (A) is a figure of the work input screen displayed on a mobile telephone in the system of FIG. 8, (b) is a figure of the work registration screen displayed on a mobile telephone in the system of FIG. It is the figure which represented the flow of money in one Embodiment of this invention.

Explanation of symbols

1 mobile terminal 3 card 4 center device 6 database 8 fixed terminal

Claims (4)

  It is a system for an agent to mediate the payment of medical expenses from the insurer to the insured person for the treatment cost of non-insurance medical institutions such as acupuncture massage received by the insured, and the above-mentioned therapeutic action Organizing a association with members of the company that dispatches the treatment personnel who perform treatment and the patient who is the insured person receiving the treatment, and this association serves as the patient's agent and the treatment personnel can connect to the communication network A center device connected to a communication network is installed in the association, and the portable terminal has information collecting means for collecting treatment implementation information that the patient identification is performed together with patient identification information for identifying a patient. And a treatment notification function for notifying the center device of the collected information and the treatment personnel identification information for identifying the treatment personnel to the center device via a communication network, and the center device stores a database for storing the notified information. And having a calculation function for calculating a treatment cost based on the treatment implementation information for each patient stored in the database and calculating a medical treatment cost according to the insurance type for the treatment cost. A cost notification function for notifying the mobile terminal of the self-pay amount, which is the difference between the treatment cost and the medical treatment cost, and the person in charge of treatment pays the self-pay amount displayed by the mobile terminal from the patient. A medical treatment surrogate system that receives the medical expenses calculated by the device from an insurer and pays the business to which the person in charge of the treatment belongs.   The operator has a fixed terminal at the office, and the fixed terminal has a patient input function for inputting a newly enrolled patient name and an enrollment notification function for notifying the patient name to the center device via a communication network, The medical treatment proxy system according to claim 1, wherein the center device has a registration function for newly registering the notified patient name in the database.   The fixed terminal has a treatment result list request function for requesting a treatment result list of a desired patient with respect to the center device, and the center device is configured for the patient based on information for each patient stored in the database. The medical treatment surrogate system according to claim 2, further comprising a treatment result list response function for creating a treatment result list in which treatment dates and times are indicated and responding to the fixed terminal.   It is a system for an agent to mediate the payment of medical expenses from the insurer to the insured person for the treatment cost of non-insurance medical institutions such as acupuncture massage received by the insured, and the above-mentioned therapeutic action The operator who dispatches the person in charge of the treatment is an agent, and the person in charge of the treatment carries a portable terminal that can be connected to the communication network. The terminal has a function of measuring the current position, and also provides positioning information, patient identification information for identifying a patient, treatment execution information indicating that treatment is being performed, and treatment person identification information for identifying a person in charge of treatment through a communication network. The center device has a treatment notification function for notifying the center device, and the center device includes a database for storing the notified information, and performs the treatment for each patient stored in the database. It has a calculation function to calculate the treatment cost based on the information and calculate the medical treatment cost according to the insurance type for the treatment cost. The medical staff collects the self-payment amount displayed on the mobile terminal from the patient, and the business operator acting as the agent insures the medical expenses calculated by the center device. A medical expenses surrogate system characterized by receiving a surrogate from a person and paying to a person in charge of treatment.

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