JP2004126793A - Medical bill payment system and medical bill payment method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a medical bill payment system and a medical bill payment method that can simplify a patient's procedures for paying medical bills and claiming insurance reimbursement. <P>SOLUTION: A medical institution terminal 30 transmits data on a patient's (insurant's) medical bills, payment methods and the like to a management center 10. The management center 10 generates medical information claiming insurance reimbursement according to the received data, and transmits it to an insurance company terminal 50. The insurance company examines with reference to contract contents of the insurant, and if granting reimbursement for medical bills, transmits reimbursement information including insurance benefits to the management center 10. The management center 10 cancels the medical bills by the insurance benefits to calculate an amount to be paid to the medical institution, and requests a financial institution terminal 40 to transfer the amount to an account of the medical institution. The transfer result is transmitted to the management center 10, which after recovery registration processing transmits a receipt file to the medical institution terminal 30. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
According to the present invention, when a patient is an insured person such as a life insurance, the management center performs a procedure for requesting payment of insurance benefits, a payment process to a medical institution by the insurance benefits, a payment procedure for the patient to the medical institution, The present invention relates to a medical expenses payment system and a medical expenses payment method capable of simplifying a procedure for making a claim to an insurance company.
[0002]
[Prior art]
Medical expenses, such as medical expenses and hospitalization expenses when receiving treatment at a medical institution such as a hospital or clinic due to illness or injury, will be borne by the patient excluding the amount paid from the health insurance. Alternatively, the payment is made by the patient at a medical institution for a certain period of time, for example, every month. If the patient has a life insurance or accident insurance combined with a special sickness hospitalization contract (hereinafter abbreviated as insurance) and can receive medical expenses from the insurance company, the patient is billed by the medical institution After paying the medical expenses, you will submit a document certifying the payment to the life insurance company, claim the benefit, and receive the payment.
[0003]
A conventional flow of processing for paying medical expenses to a medical institution and receiving payment from an insurance company will be described with reference to FIG. Here, it is assumed that the patient who receives outpatient treatment or inpatient treatment is an insured person who can receive medical expenses benefits. First, receiving medical treatment or hospitalization at a medical institution (step S101) generates medical expenses for the patient. The patient (including a person requested by the patient) withdraws a necessary amount from the personal account 403 of the financial institution and prepares for payment of medical expenses. When the treatment or hospitalization is completed (step S102: YES), a bill is created at the medical institution and presented to the patient. The patient pays the billed amount and receives a receipt. The medical institution transfers the amount paid by the patient to an account 402 owned by the financial institution.
[0004]
On the other hand, a patient requests a document such as a medical certificate from a medical institution, prepares a document in accordance with a claim form of a life insurance company, submits the document to the insurance company, and makes a claim for medical expenses. The insurance company checks the contents of the insurance contract and the received billing document (step S201), examines the insurance contract with reference to the contents of the insurance contract stored in the database 501 (step S202), and determines that it corresponds to the payment of medical expenses. If so, the transfer procedure of the predetermined amount is advanced (step S203). Then, the transfer notice is sent to the policyholder (patient). Based on the transfer request from the insurance company, the financial institution performs a transfer process of the requested amount from the account 401 of the insurance company to the account 403 of the policyholder.
[0005]
Conventionally, a processing system that simplifies claims for medical expenses to a life insurance company has been developed in such a manner that an agent receives a request for insurance claims from an insured person, and the agent obtains predetermined data from an insurance company and a hospital. In addition to calculating the amount of the insurance money, contacting the client, instructing the insurance company to pay the insurance money, and requesting the hospital to issue a medical certificate (for example, see Patent Document 1) .
[0006]
[Patent Document 1]
JP-A-2002-56188 (page 6-9, FIG. 1)
[0007]
[Problems to be solved by the invention]
As described above, conventionally, the medical expenses paid to the insured by the insurance company are as follows. After the insured who is the patient pays the medical expenses to the medical institution, the necessary documents are arranged and the medical expenses are billed. By going to the company was paid. Therefore, there is a problem that the patient has a heavy burden of preparing for payment to a medical institution and making a claim to an insurance company, and cannot take advantage of being an insured. Further, in the conventional method in which the agent makes a request for payment of medical expenses to the insurance company, there are many manual processes, and it is difficult to improve the efficiency of the operation. In addition, payment of medical expenses to a medical institution is mainly made by cash, and there is a problem that a payment method that is least burdensome for a patient cannot be selected because payment methods are not diversified.
The present invention has been made in view of the above points, and has as its object to provide information on medical treatment given to a patient such as a treatment type and a treatment period from a medical institution when the patient is an insured person such as a life insurance. To provide a medical expenses payment system that can simplify the procedures for paying patients to medical institutions and for claiming insurance companies by offsetting the amount paid by the insurance company and medical expenses. . Another purpose is to diversify payment methods, such as payment by insurance companies and payment by card, as well as cash payment methods for medical expenses, so that patients can select the payment method with the least burden. It is to provide a medical expenses payment system.
[0009]
[Means for Solving the Problems]
In order to solve the above-mentioned problem, the invention according to claim 1 is provided in a medical institution, a medical institution terminal for inputting medical data such as medical expenses and treatment types, and an insurance company terminal provided in an insurance company. And a financial institution terminal provided in the financial institution, and a management center that manages medical data input from the medical institution terminal, performs an insurance payment process with the insurance company terminal, and requests a transfer to the financial institution terminal. And a communication network for interconnecting the medical institution terminal, the insurance company terminal and the financial institution terminal with a management center, wherein the management center is based on the medical data of a patient who is insured such as life insurance. , Generates insurance claim data and sends it to the insurance company terminal. The insurance company terminal examines the received insurance claim data and finds out the insurance benefits to be paid according to the insurance contract. Is sent to the management center, and the management center calculates the amount to be paid to the medical institution from the medical cost request amount calculated by accumulating the medical costs included in the medical data and the insurance payment amount. And requesting the financial institution terminal to transfer the payment amount from the insurance company account to the medical institution account.
[0010]
According to a second aspect of the present invention, in the medical expense payment system according to the first aspect, the insurance claim data includes a treatment type, an insurance name, an insurance contract, and the like for which insurance claims are to be paid, such as diagnosis and outpatient treatment. It is characterized by adding the medical certificate and medical history information of the insured person to the data on insurance of the insured.
[0011]
According to a third aspect of the present invention, in the medical cost payment system according to the first aspect, the management center compares the insurance payment amount of the payment information with the medical cost claim amount, and determines that the insurance payment amount is If the amount exceeds the medical bill, the balance is calculated, the medical bill is transferred to the account of the medical institution, the transfer request information for transferring the balance to the insured account is generated, and the insurance payment amount is generated. If the amount does not exceed the medical bill amount, transfer request information for transferring the insurance payment amount to the account of the medical institution is generated and transmitted to the financial institution terminal.
[0012]
According to a fourth aspect of the present invention, in the medical expense payment system according to the first aspect, a medical expense payment method selected by a patient by an insurance benefit, cash, or a credit card is provided by the medical institution. A terminal registers with the management center, and the management center performs a medical expense collection process of the medical data based on a registered payment method.
[0013]
According to a fifth aspect of the present invention, in the medical expense payment system according to the first aspect, the management center receives a notification of a result of the transfer processing from the financial institution terminal to the account of the medical institution, and performs the transfer. The stored amount is stored as a stored amount, and an amount obtained by subtracting the stored amount from the medical amount charged amount is re-registered as an updated medical amount charged amount.
[0014]
The invention according to claim 6 is a medical institution terminal provided in a medical institution, an insurance company terminal provided in an insurance company, a financial institution terminal provided in a financial institution, and input from the medical institution terminal. The management center that manages the received medical data, performs an insurance payment process with the insurance company terminal, and requests a transfer to the financial institution terminal, and the management center and the medical institution terminal, the insurance company terminal, and the financial institution terminal and the management center. Registering a payment method selected by a patient who is an insured person from the medical institution terminal to the management center, wherein the management center is connected to the medical institution terminal. Extracting and accumulating medical expenses for each registered payment method from medical data entered daily, and calculating a medical expenses claim amount; and Extracting insurance-related data by extracting treatment type and insurance-related data from the data, sending the data to the insurance company terminal, and examining the received insurance-claims data based on the policy of the insured, Transmitting payment information including the insurance payment amount from the insurance company terminal to the management center when determining that the payment corresponds to the medical institution; Calculating the amount to be paid, requesting the financial institution terminal to transfer the payment amount from the insurance company account to the medical institution account; and specifying the financial institution terminal based on the transfer request. Performing a transfer process to a transferred account.
[0015]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a configuration diagram showing the same embodiment. In the figure, reference numeral 30 denotes a medical institution terminal which is installed in a medical institution such as a hospital and inputs personal information and medical history data of a patient. Numeral 40 denotes a financial institution terminal, and numeral 50 denotes an insurance company terminal. The insurance company terminal 50 has a DB (database) 501 for storing the insurance contract contents in which the patient is the insured person. In the case of payment, the payment information is generated and a payment notice to be sent to the policyholder (patient) or the beneficiary is created.
[0016]
Reference numeral 10 denotes a management center, which includes a transmission / reception unit 11 that transmits and receives information via the communication network 60, an authentication server 12 that authenticates access to the management center, generation of medical information to be sent to the insurance company terminal 50, An application server (hereinafter referred to as an AP server) 13 that provides a function of offsetting medical expenses and benefits paid by the insurance company, and stores patient personal information, medical history data, medical expenses claim data, and the like. A database server (hereinafter, referred to as a DB server) 14 having a database to be executed is provided. Reference numeral 20 denotes a management center having the same configuration as the management center 10. The management center 20 is installed according to the number of medical institution terminals 30 and operates in cooperation with the management center 10.
[0017]
FIG. 4 shows a list of DBs (databases) included in the DB server 14. The medical history DB in the figure stores data of treatment contents such as patient treatment and medication information. The personal DB stores personal information of patients, and the daily DB stores medical expenses such as treatment expenses and hospitalization expenses and payment methods that occur daily. The billing DB stores a total billing amount and a medical expense statement for each personal ID to which a billing ID has been assigned by the AP server 13. The billing confirmation DB stores the billing amount of the medical expenses, the payment method, and the like, and the collection DB stores the billed amount, the balance, and the like.
[0018]
The data stored in the medical history DB, the personal DB, and the daily DB are identified using the personal ID as a key, and the data stored in the billing DB, the bill confirmation DB, and the collection DB are identified using the billing ID and the personal ID as a key. . The financial institution DB stores information and IDs (identifications) of patients and financial institutions having an account with the medical institution. The DB server 14 has a storage device for storing medical information to be sent to the insurance company, payment information received from the insurance company, and transfer request information to be sent to the financial institution.
[0019]
FIG. 5 shows a list of TBLs (tables) stored in the DB server 14. The payment method information TBL includes information on an insurance company, a card company, and the like according to the type of payment method and each method. The payment unit information TBL includes a total unit of medical expenses, payment time, and the like, and the treatment type TBL includes type information such as hospitalization and going to a hospital.
[0020]
Next, the operation of the present embodiment will be described with reference to FIG. 1, FIG. 2 and FIG. FIG. 2 and FIG. 3 are diagrams illustrating a flow of processing for requesting payment of medical expenses to an insurance company, offsetting medical expenses by insurance benefits, and collecting medical expenses in the medical expenses payment system. Here, the patient who receives outpatient treatment or inpatient treatment is a policyholder (insured) of a life insurance or the like with a medical expenses benefit guarantee, and the insurance contract contents related to the medical expenses payment are described in the insurance company's insurance contents DB 501. It is assumed to be stored in In addition, it is assumed that the payment by the insurance payment which applies the payment paid by the insurance company to the payment to the medical institution is selected as the payment method.
[0021]
FIGS. 6A and 6B are diagrams for explaining a process of accumulating medical expenses caused by treatment or hospitalization of a patient. FIGS. 7A and 7B show data stored in the daily DB 104 and the billing DB 105. Here is an example. First, when a patient receives treatment or the like at a medical institution (step S11), the medical institution inputs personal information such as a patient's personal ID and name from the medical institution terminal 30, and a payment method and a payment unit of medical expenses. Is transmitted to the management center 10 (step S12).
[0022]
The management center 10 registers the received personal information in the personal DB 102 and the payment method and the payment unit in the payment information TBL 103. When medical expenses are incurred due to treatment or the like, the medical treatment is stored in the medical history DB 101 together with the personal ID (step S121), and the generated medical expenses are stored in the daily DB 104 (step S122). FIG. 7A shows an example of data stored in the daily DB 104. Next, in step S13, medical expenses, payment methods, and the like stored in the daily DB 104 are extracted for each individual ID, medical expenses are accumulated, billing data is generated, and stored in the billing DB 105. I do. FIG. 7B shows an example of billing data stored in the billing DB 105. The billing ID of the billing data is automatically set. In addition, treatment treatment and cumulative processing of the medication status are performed for each sick unit and stored in the medical history DB 101.
[0023]
Next, in step S14, if YES is determined due to the end of the treatment or the discharge from the hospital, the process proceeds to step S15, where the payment information is sent from the medical institution terminal 30 to the management center 10, and the payment process (step S16) is performed. . In step S15, in order to confirm the data managed in the management center 10, the personal ID, the treatment type, the payment method, and the settlement period are re-input. FIG. 8 is a view for explaining the settlement processing (step S16), and FIG. 9 shows an example of insurance data stored in the storage device 107. In step S16, the payment information is received from the medical institution terminal 30, and the corresponding period, payment method, and total of the corresponding records are extracted from the billing DB 105 to generate insurance data, and store the insurance data in the storage device 107.
[0024]
After the insurance data is generated, as shown in FIG. 7B, “existence” is set to “existence” of the details of the data extracted from the billing DB 105. In step S16, only the data set to "absence" in "existence of extraction" is extracted from the billing DB 105. When payment by credit card is selected as the payment method, the billing data generated in step S16 is stored in the storage device 108, and when payment by cash is selected, the storage device 106 Is stored in
[0025]
Next, the offset pre-processing (step S17) will be described with reference to FIGS. In step S17, with reference to the treatment type TBL of the TBL 103, the target record of the insurance benefit, for example, the operation and hospitalization record in FIG. 7 is extracted from the insurance data stored in the storage device 107. Then, the medical information is created by adding the insurance record of the payment method type TBL of the TBL 103, the medical certificate file, and the medical history information read from the medical history DB 101. FIG. 11 is a diagram illustrating a configuration example of the created medical information. As a file format of the medical certificate file and the medical history information, for example, PDF (Portable Document Format) is used. The medical information is created for each insurance company. This medical information is sent to the insurance company terminal 50 (step S18) and stored in the storage device 503.
[0026]
Next, the insurance company examines the medical information stored in the storage device 503 with reference to the insurance contract content read from the insurance content DB 501 (step S19). As a result of the examination, when it is determined that the payment corresponds to the payment of the medical expenses, the process proceeds to step S20, the amount to be paid is calculated, the payment information shown in FIG. 10 is generated, stored in the storage device 504, and transmitted to the management center 10. I do. The payment information includes a total amount of payment and a statement indicating a payment amount for each treatment type. Furthermore, a medical expense payment notice with the same contents as the payment information is created and sent to the policyholder (patient).
[0027]
The management center 10 stores the received payment information in the storage device 109, and proceeds to step S21. FIG. 13 is a view for explaining the offset processing (step S21). In step S21, the billing ID of the billing DB 105 is obtained using the personal ID of the payment information stored in the storage device 109 as a key, and the total billing amount of the billing DB 105 and the total amount stored in the collection DB 110 are read. Find the difference between the two amounts (invoice amount). If no data is registered in the collection DB 110, the total storage amount is 0 yen. Then, the charge amount of the payment information is compared with the charge amount.
[0028]
For example, assuming that the total amount of billing is 8000 yen, the total amount of storage is 0 yen, and the total amount of payment is 11000 yen, the amount of billing is 8000 yen-0 yen = 8000 yen, and the difference between the total amount of payment and the amount of billing (11000 yen-8000 yen) ) 3000 yen is required. As described above, when the total payment amount is larger than the billing amount, transfer request information for transferring the billing amount of 8000 yen to the account of the medical institution and the difference of 3000 yen to the patient's account is generated and stored in the storage device 112.
[0029]
FIG. 14 is a diagram illustrating an example of the transfer request information. As shown in the drawing, a record 601 to be transferred to an account of a medical institution and a record 602 to be transferred to an account of a patient are generated. When the total payment from the insurance company is equal to or smaller than the amount of the claim, a record for transferring the total payment to the account of the medical institution is generated. Next, the name of the financial institution, the name of the branch, and the account number of the financial institution are acquired from the financial institution DB / 111 based on the personal ID and the medical institution (hospital) ID, and set as the transfer destination of the transfer request information. Further, the transfer source record of the transfer request information is set by referring to the financial institution DB 111 based on the financial institution name of the payment information stored in the storage device 109. Then, the transfer request information is transmitted to the financial institution terminal 40.
[0030]
As shown in FIG. 15, the financial institution performs a transfer process from the insurance company account 401 to the medical institution account 402 and the patient account 403 based on the received transfer request information (step S22). In the case of the above example, the transfer processing of 8000 yen to the medical institution account 402 and 3000 yen to the patient account 403 is performed. Then, when the transfer processing is completed normally from the financial institution terminal 40, a processing result notification in which “normal” is added to the transfer request information is sent to the management center 10. If an abnormality occurs in the transfer process, a process result notification is added to the transfer request information, which includes "abnormal" and error details such as account number mismatch and insufficient deposit.
[0031]
Next, when the transfer processing is completed normally, the management center 10 performs the collection registration processing (step S29) upon receiving the processing result notification. FIG. 16 is a diagram for explaining the collection registration process, and FIG. 17 is a diagram showing an example of data stored in the collection DB 110. In step S29, a billing ID is acquired from the personal ID of the received processing result notification, and the stored amount (8,000 yen) is registered in the collection DB 110 using the billing ID. When the storage detail record shown in FIG. 17 is added, the storage amount is accumulated and the total storage amount is updated.
[0032]
Next, a receipt file is created in a file format such as PDF (step S30) and transmitted to the medical institution terminal 30. In the receipt file, a billing ID, a personal ID, a stored amount, and a payment method are entered. If there is an unpaid amount, the balance and the type of balance are entered. The medical institution terminal 30 creates a receipt for the patient based on the information of the received receipt file. The generated receipt is sent to the patient.
[0033]
On the other hand, when cash payment “cash” is set as the payment method in step S12, cash data is generated by the settlement processing in step S16 and stored in the storage device 106. FIG. 18 is a diagram for explaining a cash payment process, a billing amount determination process, and a billing determination amount update process based on a stored amount. In step S24, the total billing amount of the cash data stored in the storage device 106, the total billing amount of the billing DB 105 and the storage amount of the collection DB 110 are compared to calculate a finalized billing amount. 113.
[0034]
FIG. 19 is a diagram showing an example of data stored in the charge confirmation DB 113. Here, it is assumed that the amount paid in cash is 300 yen, the total amount charged in the billing DB 105 is 1300 yen, and the amount stored in the collection DB 110 is 0 yen. When the stored amount is 0 yen, as shown in FIG. 19A, a total amount of the invoice amount of 1300 yen is registered in the invoice settlement DB 113 before cash is paid. When the cash of 300 yen is paid, as shown in FIG. 19B, the finalized amount is 1000 yen, and the offset amount is 300 yen.
[0035]
Next, in step S25, it is determined whether or not the fixed amount of money in the charge finalization DB 113 is 0 yen. If the result of the determination is NO, the process proceeds to step S26, where a bill creation process is performed. The bill file includes a bill total amount for each bill ID and details such as a date for each treatment type. The created bill file is sent to the medical institution terminal 30. The medical institution terminal 30 creates a bill based on the received bill file and sends it to the patient. When the patient has paid for the sent bill in cash (step S27), the data shown in FIG. 20A is input from the medical institution terminal 30 to perform a receiving process (step S28). The data input in step S28 is sent to the management center 10 and a collection registration process is performed (step S29), and as shown in FIG. Is entered.
[0036]
【The invention's effect】
As described above, according to the present invention, when an insured person registers the payment of medical expenses by insurance benefits to the management center, when medical expenses are incurred due to treatment or the like, the medical institution sends the medical expenses to the insurance company. The information is sent and the benefits paid by the insurance company and the medical expenses are offset, which simplifies the payment of medical expenses by the patient (insured) and the procedure for claiming the insurance company, and insures the patient for insurance. The advantage that the advantage of being a person can be fully utilized can be obtained. In addition, since the method of paying the medical expenses can be diversified, the effect that the patient can select the method with the least burden is obtained.
[Brief description of the drawings]
FIG. 1 is a configuration diagram showing an embodiment of the present invention.
FIG. 2 is a diagram showing a flow of processing of a medical expense payment system.
FIG. 3 is a diagram showing a flow of processing of a medical expense payment system.
FIG. 4 is a diagram showing a configuration example of a database.
FIG. 5 is a diagram illustrating a configuration example of a table.
FIG. 6 is a diagram illustrating an accumulation process.
FIG. 7 is a diagram illustrating an example of data stored in a daily DB (database) and a billing DB.
FIG. 8 is a diagram illustrating a settlement process.
FIG. 9 is a diagram illustrating an example of insurance data.
FIG. 10 is a diagram for explaining cancellation preliminary processing;
FIG. 11 is a diagram showing an example of medical information.
FIG. 12 is a diagram showing an example of a payment notice.
FIG. 13 is a diagram illustrating a cancellation process.
FIG. 14 is a diagram illustrating an example of transfer request information.
FIG. 15 is a diagram illustrating a transfer process.
FIG. 16 is a diagram illustrating a collection registration process.
FIG. 17 is a diagram illustrating an example of data stored in a collection DB.
FIG. 18 is a diagram illustrating cash payment processing, billing amount determination processing, and billing determination amount update processing.
FIG. 19 is a diagram illustrating an example of data stored in a charge confirmation DB.
FIG. 20 is a diagram illustrating an example of data input in a reception process and data stored in a collection DB.
FIG. 21 is a diagram showing a flow of conventional medical expenses payment and insurance benefit claim processing.
[Explanation of symbols]
10, 20 management center 11 transmitting / receiving unit 12 authentication server 13 application server (AP server)
14 Database server (DB server)
30 medical institution terminal 40 financial institution terminal 50 insurance company terminal 60 communication network

Claims (6)

Provided in a medical institution, medical expenses, medical institution terminal to enter medical data such as treatment type, an insurance company terminal provided in an insurance company, a financial institution terminal provided in a financial institution, from the medical institution terminal A management center that manages the input medical data, performs an insurance payment process with the insurance company terminal, and makes a transfer request to the financial institution terminal; and the medical institution terminal, the insurance company terminal and the financial institution terminal and management center. A communication network interconnecting with each other,
The management center generates insurance claim data based on the medical data of a patient who is an insured person such as life insurance, transmits the insurance claim data to the insurance company terminal, and the insurance company terminal receives the insurance claim data. As a result of the examination, the payment information including the insurance payment amount to be paid in accordance with the insurance contract is sent to the management center, and the management center accumulates the medical cost included in the medical data and calculates the medical cost billing amount and the Calculating the amount to be paid to the medical institution from the insurance payment amount, and requesting the financial institution terminal to transfer the payment amount from the account of the insurance company to the account of the medical institution. Payment system. The insurance claim data is obtained by adding a medical certificate file and medical history information of an insured person to data on insurance such as diagnosis, outpatient treatment, and other types of treatment to be paid, such as insurance, and policyholders. The medical expenses payment system according to claim 1, wherein: The management center compares the insurance payment amount of the payment information with the medical bill amount, and calculates the difference if the insurance payment amount exceeds the medical bill amount, and calculates the medical bill amount according to the medical bill amount. Transfer to the institution's account, generate transfer request information to transfer the difference to the insured's account, and if the insurance benefit does not exceed the medical bill, the insurance benefit is transferred to the medical institution's account. 2. The medical expenses payment system according to claim 1, wherein transfer request information is generated and transmitted to the financial institution terminal. A method of paying medical expenses selected by the patient, either insurance benefits, cash, or a credit card, is registered in the management center from the medical institution terminal, and the management center performs a medical expenses collection process of the medical data. The medical expenses payment system according to claim 1, wherein the payment is performed based on a registered payment method. The management center receives the notification of the transfer processing result from the financial institution terminal to the account of the medical institution, stores the transferred amount as a stored amount, and subtracts the stored amount from the medical bill amount. 2. The medical expenses payment system according to claim 1, wherein the re-registration is re-registered as an updated medical expenses billing amount. A medical institution terminal provided in a medical institution, an insurance company terminal provided in an insurance company, a financial institution terminal provided in a financial institution, and managing medical data input from the medical institution terminal, the insurance company A medical center comprising: a management center for performing insurance money payment processing with the terminal and a transfer request to the financial institution terminal; and a communication network for interconnecting the management center with the medical institution terminal, insurance company terminal, and financial institution terminal. In the payment system,
Registering the payment method selected by the patient who is the insured person from the medical institution terminal to the management center; and wherein the management center registers the payment method registered from the medical data inputted daily from the medical institution terminal. Extracting and accumulating medical expenses to calculate the amount of medical expenses required, and extracting medical treatment type and insurance-related data from the medical data to generate insurance claim data, and sending the data to the insurance company terminal. Examining the received insurance claim data based on the insured's contract contents, and transmitting payment information including the insurance payment amount from the insurance company terminal to the management center when it is determined that the insurance claim is paid; The management center calculates an amount to be paid to the medical institution from the medical billing amount and the insurance payment amount, and in the financial institution terminal, Requesting a transfer of the payment amount from the account of the insurance company to the account of the medical institution, and a step of performing a transfer process to the account specified based on the transfer request at the financial institution terminal. Characteristic payment method of medical expenses.

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