With the full completion of the national unified medical insurance information system, high-quality medical insurance data has demonstrated an aggregation effect, marking that the development of smart medical insurance has entered a new stage. Against the background of the further implementation of the Digital China strategy and the "Artificial Intelligence Plus" initiative, scientifically defining the connotation of smart medical insurance, and systematically constructing its theoretical, knowledge and methodological systems constitute pressing issues that demand immediate attention. Based on reviewing the current research status of smart medical insurance, this paper analyzes the practical urgency and industry imperative of establishing a disciplinary research system for smart medical insurance, and systematically discusses its orientation as an interdisciplinary applied discipline, core disciplinary components and major research directions. It proposes that smart medical insurance is an interdisciplinary applied discipline with clinical medicine and pharmacy as logical core, statistics and data science as analytical methods, public administration as governance framework, and computer science as technical support. Systematic research should focus on five key areas: technology and infrastructure, services and user experience, fund operation risk control and supervision, payment and strategic purchasing, as well as decision-making and governance. This paper aims to provide theoretical support and practical references for the scientific development of smart medical insurance, realize a systematic framework and curriculum system for the development of knowledge disciplines, integrating technology, management, and ethics, and promote the formation of a smart medical insurance disciplinary system with Chinese characteristics.