The 14th five year plan for universal medical insurance brings the construction of smart medical insurance into the development goal, which is the requirement of China's strategic guidance in the 14th five year plan and even in the longer term, the requirement of the general trend of digital development, and the due meaning of building a high-quality medical insurance system in the new development stage. Today, when informatization has become the strategic engine of modernization, striving to build smart medical insurance should become the inevitable choice and the responsibility of the times. The fundamental purpose of accelerating the digital development of medical insurance is to meet people's urgent expectations for a better digital life.