KR101476505B1 - Apparatus and method for providing insurance assure service - Google Patents

Abstract

An insurance guarantee service providing apparatus and method are disclosed. The insurance guarantee service providing apparatus includes an interface for extracting the individual identification information and the diagnosis diagnosis name relating to the patient from the guarantee details request, in association with the request for the guarantee details from the hospital terminal, an interface for retrieving the subscription insurance corresponding to the individual identification information from the database And a processor for identifying a subscription insurance associated with the diagnosis disease name among the searched insurance policies and providing the same to the hospital terminal.

Description

[0001] APPARATUS AND METHOD FOR PROVIDING INSURANCE ASSURE SERVICE [0002]

Embodiments of the present invention relate to a technique for suggesting an optimal treatment method for a diagnosis diagnosis of a patient on the basis of insurance in which a patient is enrolled.

The insurance server can provide the insurance product information according to the insurance product information request from the terminal. At this time, the insurance server can provide general information such as the insurance coverage, the insurance coverage condition (for example, the amount due to the rental), the insurance period, and the insurance coverage scale to the terminal as insurance product information, The insured amount, the actual receipt amount, the actual payment amount, etc.) when the insured patient is diagnosed with a specific disease.

In addition, the physician at the time of prescription selects the treatment method regardless of the subscription insurance, so that the utilization rate of the patient's insurance (that is, insurance guarantee) is low, have.

The present invention extracts the individual identification information and the diagnosis diagnosis name related to the patient from the request for the guarantee details in association with the request for the guarantee details from the hospital terminal, It is an object of the present invention to provide an optimal treatment method for a diagnostic diagnosis of a patient on the basis of the insurance to which the patient is subscribed by providing a treatable item to the hospital terminal.

The present invention aims at providing a more appropriate insurance to a patient by transmitting a recommendation insurance associated with a diagnosis diagnosis name of the patient to the patient terminal.

The insurance guarantee service providing apparatus for achieving the above object comprises an interface for extracting the individual identification information and the diagnosis disease name of the patient from the guarantee details request in cooperation with the guarantee details request from the hospital terminal, Searching for a corresponding subscription insurance, and identifying a subscription insurance associated with the diagnosed disease name among the retrieved subscription insurance and providing it to the hospital terminal.

A method of providing an insurance guarantee service for achieving the above object comprises the steps of extracting an individual identification information and a diagnosis diagnosis name related to a patient from the guarantee detail request in association with a request for a guarantee description from a hospital terminal, Searching for a corresponding subscription insurance, and identifying the subscription insurance associated with the diagnosis disease name among the retrieved subscription insurance and providing it to the hospital terminal.

According to the embodiment of the present invention, in association with the request for the guarantee details from the hospital terminal, the personal identification information and the diagnosis name related to the patient are extracted from the guarantee details request, The present invention can provide an optimal treatment method for the diagnostic diagnosis of a patient based on the insurance to which the patient belongs.

According to the embodiment of the present invention, the recommendation insurance associated with the diagnosis diagnosis name of the patient is transmitted to the patient terminal, so that it is possible to provide more suitable insurance to the patient.

FIG. 1 is a block diagram illustrating a system for providing a service relating to insurance coverage including an insurance guarantee service providing apparatus according to an embodiment of the present invention. Referring to FIG.
FIG. 2 is a diagram illustrating a configuration of an insurance guarantee service providing apparatus according to an embodiment of the present invention.
3 is a diagram illustrating an example of a subscription insurance list proposed by an insurance guarantee service providing apparatus according to an embodiment of the present invention.
4 is a diagram illustrating an example of a treatment method proposed by an insurance guarantee service providing apparatus according to an embodiment of the present invention.
5 is a view showing an example of a recommendation insurance proposed by the insurance guarantee service providing apparatus according to an embodiment of the present invention.
6 is a flowchart illustrating a method of providing an insurance guarantee service according to an embodiment of the present invention.

Hereinafter, an apparatus and method for providing an insurance guarantee service according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. The hospital terminal and the patient terminal communicating with the insurance guarantee service providing device may be, for example, a personal computer (PC) or a mobile terminal (mobile phone, tablet PC).

FIG. 1 is a block diagram illustrating a system for providing a service relating to insurance coverage including an insurance guarantee service providing apparatus according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 1, the insurance guarantee service providing system 100 may include an insurance server 101, a hospital terminal 103, an insurance guarantee service providing apparatus 105, and an electronic medical record server 107.

The insurance server 101 manages the insurance product information (for example, the guarantee range by insurance product, the insurance money payment condition, the insurance period, the insurance money amount, etc.) and the individual insurance information (for example, personal information, And periodically provides the insurance product information and the individual insurance information to the insurance guarantee service providing device 105 so that the insurance guarantee service providing device 105 can keep the latest information.

In addition, the insurance server 101 can pay the actual receipt amount to the patient's account associated with the medical treatment receipt in conjunction with receiving the medical treatment receipt from the insurance guarantee service providing apparatus 105. [

The hospital terminal 103 can generate and send a guarantee detail request including personal identification information (e.g., resident registration number, name) and diagnostic diagnosis name (or diagnosis code) about the patient to the insurance guarantee service providing apparatus 105 . The hospital terminal 103 may receive, from the insurance service providing apparatus 105, a subscription insurance list including the subscription insurance associated with the diagnostic pathology among the subscription insurance corresponding to the individual identification information as a response to the request.

In addition, the hospital terminal 103 receives, from the insurance service providing apparatus 105, a treatable item associated with the diagnosis disease name, for the subscription insurance associated with the selection command, according to a selection command for the subscription insurance list, Depending on whether or not a possible item is checked, a guarantee including at least one of a guaranteed amount, a copayment amount, an actual receipt amount, or an actual payment amount can be confirmed. The hospital terminal 103 can complete the prescription by allowing the user (e.g., a doctor) to determine the prescription method based on the guarantee details.

The insurance guarantee service providing device 105 may periodically receive the insurance product information and the individual insurance information from the insurance server 101 and may store them in the general insurance database and the subscription insurance database in the database, respectively.

The insurance guarantee service providing apparatus 105 extracts the individual identification information and the diagnosis diagnosis name relating to the patient from the guarantee details request in association with the request for the guarantee details from the hospital terminal 103 and extracts the diagnosis information from the database After searching for the subscription insurance corresponding to the individual identification information, it can identify the subscription insurance associated with the diagnosis disease name among the subscription insurance searched for and provide it to the hospital terminal 103.

At this time, the insurance guarantee service providing device 105 creates an affiliate insurance list including the identified subscription insurance and provides the list to the hospital terminal 103. In accordance with the selection command for the subscription insurance list, For the associated subscription insurance, by providing the treatable item associated with the diagnostic pathology to the hospital terminal 103, the patient can propose an optimal treatment method for the diagnostic pathology of the patient, based on the insurance coverage. Thereafter, the insurance guarantee service providing device 105 calculates a guarantee record including at least one of the guaranteed amount, the copayment amount, the actual receipt amount, or the actual payment amount, (103), thereby providing a criterion for selection of the treatment method.

Here, the insurance guarantee service providing apparatus 105 acquires the prescription details about the patient from the electronic medical record server 107 using the individual identification information about the patient, and transmits the obtained prescription details to the hospital terminal 103 To provide further criteria for treatment method selection.

Also, the insurance guarantee service providing device 105 creates a medical treatment receipt including the personal identification information and the guarantee details according to the check result on the medical treatment item, and transmits the medical treatment receipt to the insurance server 101 , And the actual receipt amount is paid to the account associated with the personal identification information. At this time, the insurance guarantee service providing device 105 provides the electronic medical record server 107 with the medical treatment receipt so as to update the prescription details recorded in the electronic medical record server 107. [

In addition, the insurance guarantee service providing apparatus 105 may retrieve a recommendation insurance associated with the extracted diagnostic pathology from a database (i.e., the general insurance database) and provide it to a patient terminal (not shown) associated with the individual identification information .

The electronic medical record server 107 manages the individual prescription details, extracts the individual identification information about the patient from the prescription details request in response to the prescription details request from the insurance guarantee service providing apparatus 105, To the insurance guarantee service providing apparatus 105. [0060]

FIG. 2 is a diagram illustrating a configuration of an insurance guarantee service providing apparatus according to an embodiment of the present invention.

Referring to FIG. 2, an insurance service providing apparatus 105 according to an embodiment of the present invention may include an interface 201, a processor 203, and a database 205.

The interface 201 receives insurance information from the insurance server (for example, insurance coverage by insurance product, insurance money payment condition, insurance period, insurance money amount, etc.) and individual insurance information (e.g., personal information Mobile terminal number, etc.), insurance product information to which the individual is subscribed, and the like, and store them in the general insurance database 205 and the subscription insurance database 205, respectively.

The interface 201 can extract personal identification information (e.g., a resident registration number) and diagnostic diagnosis name (or diagnosis code) related to the patient from the above-mentioned guarantee description request in association with the request for the guarantee description from the hospital terminal.

Further, the interface 201 can acquire the prescription details about the patient from the electronic medical record server using the individual identification information about the patient.

The processor 203 may retrieve the subscription insurance corresponding to the individual identification information from the database (i.e., the subscription insurance database), and may identify the subscription insurance associated with the diagnosed disease name among the retrieved subscription insurance and provide it to the hospital terminal. At this time, the processor 203 may identify, as an affiliate insurance associated with the diagnosis disease name, the subscription insurance that includes the extracted diagnosis disease as a guarantee range.

Specifically, the processor 203 creates a subscription insurance list including the identified subscription insurance, provides the subscription insurance list to the hospital terminal, and according to the selection command for the subscription insurance list, for the subscription insurance associated with the selection command , And provide the hospital terminal with a treatable item associated with the diagnostic pathology. At this time, the processor 203 calculates a guarantee record including at least one of the guaranteed amount, the copayment amount, the actual receipt amount, or the actual payment amount according to the check of the treatable item, and provides the guaranteed details to the hospital terminal , And to choose a treatment method that can reduce medical expenditure. In addition, when the processor 203 acquires the prescription details about the patient from the electronic medical record server, the processor 203 provides the acquired prescription details to the hospital terminal 103 to more accurately determine the state of the patient, Can provide more standards for

In addition, the processor 203 may calculate the coverage for each treatment period and provide it to the hospital terminal. For example, in the case of a treatment method accompanied by hospitalization, the processor 203 calculates and provides the guarantee details for each treatment period even if the guarantee details differ according to the length of hospital stay, thereby easily grasping the actual receipt amount or actual payment amount So that an optimal treatment method can be selected.

When the completion of the prescription from the hospital terminal is received, the processor 203 prepares a medical treatment receipt including the individual identification information and the guarantee details according to the check result on the medical treatment item, So that the actual receipt amount is paid to the account associated with the personal identification information, so that the insurance claim process can be carried out automatically without patient intervention. At this time, the processor 203 provides an insurance claim completion message to the patient terminal in conjunction with the transmission of the medical treatment receipt to the insurance server, thereby allowing the patient to easily confirm the insurance claim status even before the actual receipt amount is paid.

On the other hand, when the processor 203 receives the request for the guarantee description from the patient terminal, the processor 203 obtains the personalized insurance coverage for the insurance policy (for example, the assurance amount, the copayment amount, Actual payment amount, etc.) to the patient terminal.

In addition, the processor 203 searches the database (i.e., the general insurance database) for the recommendation insurance associated with the extracted diagnosis name, creates a recommendation insurance list including the found recommendation insurance, and transmits the recommendation insurance list to the patient terminal . At this time, the processor 203 may arrange the retrieved recommendation insurance according to the priority based on the guaranteed amount of money (or the guarantee limit) associated with the diagnostic disease name, and provide the ordered insurance to the patient terminal.

In addition, the processor 203 provides the recommendation insurance with the subscription insurance list provided to the hospital terminal, allowing the patient to intuitively compare the subscription insurance and the recommendation insurance, thereby allowing the patient to select a more useful insurance. At this time, the processor 203 can display the subscription insurance and the recommendation insurance in different colors.

The database 205 may include a general insurance database 205 and a subscription insurance database 205. Here, the general insurance database 205 may store insurance product information (for example, coverage range of insurance product, insurance payment condition, insurance period, insurance amount, etc.). The subscription insurance database 205 may store individual insurance subscription information.

3 is a diagram illustrating an example of a subscription insurance list proposed by an insurance guarantee service providing apparatus according to an embodiment of the present invention.

Referring to FIG. 3, the insurance guarantee service providing apparatus, in association with a request for a guarantee description from a hospital terminal, generates personal identification information (e.g., a resident registration number and a name) Extracts a subscription insurance corresponding to the individual identification information from the database, identifies the subscription insurance associated with the diagnosis disease name among the subscription insurance searched for, and provides the subscription insurance to the hospital terminal. At this time, the insurance guarantee service providing device may generate an affiliate insurance list including the identified subscription insurance and provide the list to the hospital terminal.

For example, when the insurance guarantee service providing device extracts 'Hong Gil Dong' and 'Fracture' from the guarantee details request in association with the guarantee details request from the hospital terminal, the insurance guarantee service providing device searches for a subscription insurance corresponding to 'Hong Gil Dong' As an affiliate insurance related to 'fracture' among the searched insured insurance, 'Alpha Plus guarantee insurance' 301 and 'Double insurance' 303 can be identified and provided to the hospital terminal. At this time, the insurance guarantee service providing device provides the subscription insurance list 305 including 'Alpha Plus guarantee insurance' 301 and 'Double insurance' 303 to the hospital terminal, and 'Alpha Plus guarantee insurance' 301 (For example, the insurance coverage, the insurance payment condition, the insurance period, etc.) of the 'Alpha Plus guarantee insurance' can be provided to the hospital terminal when the 'detailed view' 307 is selected.

4 is a diagram illustrating an example of a treatment method proposed by an insurance guarantee service providing apparatus according to an embodiment of the present invention.

Referring to FIG. 4, the insurance guarantee service providing apparatus provides a subscription insurance list including an insurance corresponding to a diagnosed disease name to a hospital terminal, in association with a request for a guarantee description from a hospital terminal, And may provide to the hospital terminal a treatable item associated with the diagnostic pathology for the subscription insurance associated with the selection command, in accordance with a selection command (or a request for treatmentable item) for the subscription insurance list.

For example, the insurance guarantee service providing device is an affiliate insurance associated with 'fracture' among the affiliate insurance corresponding to 'Hong Gil-dong' associated with the request in conjunction with the guarantee details request from the hospital terminal, And provide the subscription insurance list 305 including 'double insurance' 303 to the hospital terminal. At this time, in accordance with the selection command (for example, click on the name of insurance) on the subscription insurance list, the insurance guarantee service providing apparatus can notify the 'Alpha Plus guarantee insurance' 301 associated with the selection command, Items such as '① splint, ② bandage attaching liquor, ③ Gibbs' to the hospital terminal.

Here, the insurance guarantee service providing apparatus calculates a guarantee record including at least one of the guaranteed amount, the copayment amount, the actual receipt amount, or the actual payment amount according to the check on the treatable item, , It is possible to suggest a treatment method that can reduce medical expenditure.

For example, the insurance guarantee service providing apparatus can be provided with a guarantee amount of '250,000 won', '86,000 won', '164,000 won', and ' The amount of receipt can be calculated and provided to the hospital terminal.

On the other hand, when the actual receipt amount increases, the insurance guarantee service device induces the '③ Gibbs' when the' ③ Gibbs' is checked instead of the '① splint, And the like.

5 is a view showing an example of a recommendation insurance proposed by the insurance guarantee service providing apparatus according to an embodiment of the present invention.

Referring to FIG. 5, the insurance guarantee service providing apparatus extracts the personal identification information and the diagnostic diagnosis name related to the patient from the guarantee description request from the hospital terminal, retrieves the recommendation insurance associated with the extracted diagnosis diagnosis name from the database, To the patient terminal associated with the information. At this time, the insurance guarantee service providing apparatus may arrange the searched recommendation insurance according to the priority based on the guaranteeable amount associated with the diagnostic disease name, and provide it to the patient terminal.

For example, when the 'Hong Gil Dong' and 'Fracture' are extracted from the request for coverage from the hospital terminal, the insurance guarantee service providing device includes' comprehensive insurance '501,' Alpha Plus guarantee insurance Can provide a recommendation insurance list 509 including '503', 'family love insurance' 505 and 'life insurance' 507 to 'Hong Gil Dong' terminal. The insurance guarantee service providing apparatus can provide the guarantee of the 'fracture' or the guarantee limit to the terminal of 'Hong Kil-dong' by including it in the recommendation insurance list 509.

If the 'Alpha Plus guarantee insurance' 503 corresponds to the subscription insurance, the 'Alpha Plus guarantee insurance' 503 may be referred to as' comprehensive insurance 501 ',' Family love insurance "505 and" life insurance "507, so that the patient can easily distinguish between the subscription insurance and the recommendation insurance.

6 is a flowchart illustrating a method of providing an insurance guarantee service according to an embodiment of the present invention.

Referring to FIG. 6, in step 601, the insurance guarantee service device extracts the individual identification information and diagnosis diagnosis name related to the patient from the guarantee description request, in association with the guarantee history request from the hospital terminal.

In step 603, the insurance coverage service apparatus retrieves the subscription insurance corresponding to the individual identification information from the database, and identifies the subscription insurance associated with the diagnosis disease name among the retrieved subscription insurance, and provides the subscription insurance to the hospital terminal. Here, the insurance service device may identify the subscription insurance that includes the extracted diagnosis name as a coverage area, as the subscription insurance associated with the diagnosis disease name.

Further, the insurance guarantee service device may prepare an affiliate insurance list including the identified subscription insurance and provide the list to the hospital terminal.

In step 605, the insurance coverage service device may provide to the hospital terminal a treatable item associated with the diagnostic pathology, for the subscription insurance associated with the selection command, in accordance with a selection command for the subscription insurance list.

In step 607, the insurance guarantee service device calculates a guarantee history including at least one of the guaranteed amount, the copayment amount, the actual receipt amount, or the actual payment amount, . At this time, the insurance guarantee service device may calculate the guarantee details for each treatment period and provide the guarantee details to the hospital terminal.

Thereafter, when the completion of the prescription from the hospital terminal is received, the insurance guarantee service device creates a medical treatment receipt including the individual identification information and the guarantee details according to the check result on the medical treatment item, To the insurance server so that the actual receipt amount is paid to the account associated with the personal identification information.

On the other hand, the insurance assurance service device may retrieve a recommendation insurance associated with the extracted diagnostic disease name from the database and provide it to the patient terminal associated with the individual identification information. At this time, the insurance guarantee service device can arrange the searched recommendation insurance according to the priority based on the guaranteeable amount associated with the diagnostic disease name, and provide the searched recommendation insurance to the patient terminal.

The apparatus described above may be implemented as a hardware component, a software component, and / or a combination of hardware components and software components. For example, the apparatus and components described in the embodiments may be implemented within a computer system, such as, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable array (FPA) A programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For ease of understanding, the processing apparatus may be described as being used singly, but those skilled in the art will recognize that the processing apparatus may have a plurality of processing elements and / As shown in FIG. For example, the processing unit may comprise a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as a parallel processor.

The software may include a computer program, code, instructions, or a combination of one or more of the foregoing, and may be configured to configure the processing device to operate as desired or to process it collectively or collectively Device can be commanded. The software and / or data may be in the form of any type of machine, component, physical device, virtual equipment, computer storage media, or device , Or may be permanently or temporarily embodied in a transmitted signal wave. The software may be distributed over a networked computer system and stored or executed in a distributed manner. The software and data may be stored on one or more computer readable recording media.

The method according to an embodiment may be implemented in the form of a program command that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions to be recorded on the medium may be those specially designed and configured for the embodiments or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. For example, it is to be understood that the techniques described may be performed in a different order than the described methods, and / or that components of the described systems, structures, devices, circuits, Lt; / RTI > or equivalents, even if it is replaced or replaced.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

100: Insurance coverage service system
101: Insurance server
103: Hospital terminal
105: insurance coverage service device
107: Electronic medical record server

Claims (16)

An interface for extracting the individual identification information and the diagnosis disease name relating to the patient from the guarantee details request in conjunction with the guarantee details request from the hospital terminal; And
Searching for a subscription insurance corresponding to the individual identification information from a database, providing a treatment allowable item included in the subscription insurance and the affiliate insurance associated with the diagnostic disease name among the retrieved subscription insurance to the hospital terminal, A processor for calculating an actual receipt amount paid to the patient's account for the first treatable item checked by the hospital terminal,
Lt; / RTI >
The processor comprising:
Further comprising calculating an actual receipt amount for the unconditioned second treatable item among the treatable items, wherein the actual receipt amount for the second treatable item is larger than the actual receipt amount for the first treatable item , A check to the second treatable item is issued to the hospital terminal
An insurance coverage service device. The method according to claim 1,
The processor comprising:
As an affiliate insurance associated with the diagnostic pathology, identifying the affiliate insurance that includes the extracted diagnostic pathology as coverage
An insurance coverage service device. The method according to claim 1,
The processor comprising:
Providing a subscription insurance list including the subscription insurance to the hospital terminal and providing a treatmentable item associated with the diagnosis disease name to the hospital terminal for the subscription insurance associated with the selection command for the subscription insurance list
An insurance coverage service device. The method according to claim 1,
The processor comprising:
The insurance company may calculate the guarantee amount including at least one of the guaranteed amount, the copayment amount, the actual received amount, or the actual payment amount according to whether or not to check the treatable item,
An insurance coverage service device. The method according to claim 1,
When the completion of the prescription from the hospital terminal is received,
The processor comprising:
Creating a medical treatment receipt including the personal identification information and the guarantee details according to a check result on the medical treatment item, and transmitting the medical treatment receipt to the insurance server
An insurance coverage service device. The method according to claim 1,
The processor comprising:
And provides the insurance term to the hospital terminal
An insurance coverage service device. The method according to claim 1,
The processor comprising:
Retrieving a recommendation insurance associated with the extracted diagnostic disease name from the database and providing the recommendation insurance to the patient terminal associated with the individual identification information
An insurance coverage service device. 8. The method of claim 7,
The processor comprising:
Sorting the searched recommendation insurance according to a priority order based on a guaranteed amount of money associated with the diagnostic disease name, and providing the sought insurance to the patient terminal
An insurance coverage service device. A method for providing an insurance guarantee service, which is implemented by an insurance guarantee service providing apparatus,
Extracting the individual identification information and the diagnosis name of the patient from the guarantee details request in association with the request for the guarantee details from the hospital terminal in the insurance guarantee service providing apparatus;
Searching for a subscription insurance corresponding to the individual identification information from the database in the insurance guarantee service providing apparatus;
Providing, in the insurance guarantee service providing apparatus, the subscription insurance associated with the diagnosed disease name and the treatable item included in the subscription insurance from the retrieved subscription insurance to the hospital terminal;
Calculating, in the insurance service providing apparatus, an actual receipt amount paid to the patient's account for the first treatable item checked by the hospital terminal among the treatable items; And
Further comprising the steps of: calculating, in the insurance service providing apparatus, an actual receipt amount for the unchecked second treatable item among the treatable items, wherein the actual amount of receipt for the second treatable item If the actual receipt amount for the item is large, deriving a check to the second treatable item to the hospital terminal
The method comprising the steps of: 10. The method of claim 9,
In the insurance guarantee service providing apparatus, as the subscription insurance associated with the diagnosis disease name, identifying the subscription insurance that includes the extracted diagnosis diagnosis name as a guarantee range
Further comprising the steps of: 10. The method of claim 9,
Creating a subscription insurance list including the subscription insurance in the insurance guarantee service providing apparatus and providing the subscription insurance list to the hospital terminal; And
Providing, at the insurance service providing apparatus, a treatment allowable item associated with the diagnostic pathology to the hospital terminal for the subscription insurance associated with the selection command for the subscription insurance list
Further comprising the steps of: 10. The method of claim 9,
In the insurance guarantee service providing apparatus, a guarantee history including at least one of a guaranteed amount, a copayment amount, an actual receipt amount, or an actual payment amount is calculated and checked by the hospital terminal Step
Further comprising the steps of: 10. The method of claim 9,
When the completion of the prescription from the hospital terminal is received,
Creating a medical treatment receipt in the insurance guarantee service providing apparatus, the medical treatment receipt including the personal identification information and the guarantee details according to a check result of the medical treatment item; And
In the insurance guarantee service providing apparatus, the step of transmitting the prepared medical treatment receipt to the insurance server
Further comprising the steps of: 10. The method of claim 9,
Calculating, in the insurance guarantee service providing apparatus, guarantee details for each treatment period and providing the guaranteed details to the hospital terminal
Further comprising the steps of: 10. The method of claim 9,
Retrieving a recommendation insurance associated with the diagnosed disease name extracted from the database and providing the retrieved recommendation insurance to a patient terminal associated with the individual identification information;
Further comprising the steps of: 16. The method of claim 15,
Wherein the step of retrieving the recommendation insurance and providing the recommendation insurance to the patient terminal associated with the individual identification information comprises:
Sorting the searched recommendation insurance according to a priority based on a guaranteed amount of money associated with the diagnosis disease name, and providing the sought insurance to the patient terminal
The method comprising the steps of:

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