A new credit-based medical service model of pay after treatment based on internet hospitals

Corresponding author: caozijia, 090123@yzu.edu.cn

DOI: 10.12201/bmr.202511.00067

•  

  Abstract: Purpose/Significance To promote credit-based medical services, enhance service efficiency through data flow, reduce patient inconvenience, and achieve a data element-driven, multi-modal, multi-scenario, and multi-channel pay-after-service model for individuals with composite insurance coverage.Method/Process Leveraging internet hospitals as the external service platform, we have established a credit-based healthcare system. This involves the localized deployment of big data models and the collection of multi-source heterogeneous data to develop a patient credit scoring model, enabling accurate assessment of credit ratings for patients with multiple insurance schemes. Based on the evaluation results, corresponding credit limits are allocated for medical payments, allowing patients to settle all expenses in a single consolidated payment after treatment.Result/Conclusion The implementation of this model will ensure that hospital credit settlement services can cover all patient groups, especially providing more convenient and efficient medical experiences for individuals with composite medical insurance.Based on the analysis of the pilot operation results, this model has effectively reduced the patients visit time by 34%.

  Key words: Internet Hospital; Big data; Pay After Diagnosis and Treatment; Credit Score; Composite Insurance Groups

  Submit time: 21 November 2025

  Copyright: The copyright holder for this preprint is the author/funder, who has granted biomedRxiv a license to display the preprint in perpetuity.
• html

• 图表

• Wu Xi, Yang Feng, Li Jiarui, Li wenfen, Zhu Junmin. Discussion on the Development Strategy of Internet Hospital Based on 4C Theoretical Model. 2021. doi: 10.12201/bmr.202101.00009

  Zhang Lijiang, WEI qI, Sun Jianwei, Meng Yong. Research on the preference of doctors in public hospitals to carry out Internet diagnosis and treatment services -- Based on discrete selection experiment. 2022. doi: 10.12201/bmr.202212.00004

  XU JIAN. Concepts Analysis about Internet-based Diagnosis and Treatment. 2021. doi: 10.12201/bmr.202106.00005

  wu mengqiu, li yuhan, ma chengyu. Study on physicians’ choice preference for internet diagnosis and treatment services based on discrete choice experiments. 2023. doi: 10.12201/bmr.202303.00009

  Lianglanyu, Wanghuanlin, Fengchenchen, Huanghongmei, Yuxiaohui, Wuyongkang. Practice of Internet hospital construction in West China Hospital of Sichuan University. 2022. doi: 10.12201/bmr.202210.00010

  YuanJunYi, ShenYingJie, PanChangQing. Research on the Application of Hospital Internet Health Consultation System Based on Intelligent Guide Diagnosis. 2021. doi: 10.12201/bmr.202104.00016

  Wang Huiqun, Wei Wancong. . 2025. doi: 10.12201/bmr.202509.00040

  wenli, zhou qi ru. The Construction of Internet Hospital and the Exploration and Practice of Helping Primary Medical Service. 2023. doi: 10.12201/bmr.202303.00013

  ZHANGCHUCHU. The application prospect of internet diagnosis and treatment in cancer patients. 2023. doi: 10.12201/bmr.202312.00026

  Sun Lei, Yan Chunmiao, Ma Yuhuan, Zhao Yuanzhi, Zhou Wei, Zhang Shengfa. Research on System Architecture of Internet Hospital Based on Distributed Micro-service Business Middle?platform. 2023. doi: 10.12201/bmr.202305.00010

• ID	Submit time	Number	Download
  1	2025-09-11	10.12201/bmr.202511.00067V1	Download

• Public  Anonymous  To author only Submit Comments