医保数据在个人健康医疗数据中具有极高的价值维度,在医保、商保数据共享中占据核心地位。高质量的医保数据开放共享,有助于驱动商业健康保险业的创新发展,进而提高公众的整体健康水平。在数据与信息边界模糊的背景下,传统医保数据获取所遵循的“三重授权原则”,在实践中存在企业获权成本高昂、“三重授权”规则冲突、数据竞争与创新受阻等现实困境。鉴于此,需基于医保数据的特点,对当前医保数据共享中的授权理念进行变革,从数据与信息的概念分野及其法律关系识别出发,针对不同授权阶段的法律问题进行法益衡量,明确医保数据权利归属,优化医保数据授权流程,深化数据场景理论在医保领域的实践运用。

With high value in personal health and medical data, medical insurance data plays a crucial role in the sharing of medical insurance and commercial insurance data. The open and shared high-quality medical insurance data can help drive the rapid development of the commercial health insurance industry and improve the overall health level of the public. Under the background of the mixed use of data and information, the traditional "triple authorization principle" for obtaining medical insurance data faces challenges such as high authorization costs for enterprises, conflicts among the triple authorizations, and suppression of data competition and innovation. In light of these issues, the authorization concept in the current sharing of medical insurance data should be reformed based on the characteristics of medical insurance data. Legal relationships should be identified from the conceptual differentiation between data and information. Legal interests should be weighed at different stages of authorization, the ownership of medical insurance data rights should be clarified, the authorization process of medical insurance data should be optimized, and the application of the scenario theory in medical insurance data scenarios should be deepened.