To help provide more personalised and intelligent services to health insurance policyholders, China will soon launch a pilot programme to establish cloud platforms aggregating personal healthcare and medical insurance data.
China’s National Healthcare Security Administration in a notice on 11 January 2026 said the pilot programme will run till the end of 2026. The goal is to accelerate the deployment of smart technologies in the health insurance sector. The smart platform will be built on the unified national medical insurance information system and will integrate core data from insurance-designated hospitals, including diagnosis and treatment records, settlement information, and the use of medicines and medical consumables.
The system will also seek to incorporate data from other sources, such as wearable devices and home-based smart monitoring equipment, apart from health checkup institutions.
An important feature of the system would be the creation of dynamic, multidimensional profiles for insured individuals. These profiles will include medical histories — such as past surgeries, allergies and treatment records — along with real-time health monitoring data. They will also contain insurance and financial information, including contributions, medical expenditures, account transactions, family relationships and credit records.
By analysing the data, the platforms will generate comprehensive personal healthcare profiles, assess the use of healthcare services and offer personalised health recommendations.
Local authorities can also explore services such as chronic disease management and health risk monitoring based on personal profiles, as well as providing anonymised data analysis to industries including AI-driven companies, pharmaceutical research and development, commercial health insurance and smart elderly care.