Through an in-depth investigation of Huimin Insurance’s development model，product design，the current status of insurance participation and claims settlement，and analysis of various considerations，hidden risks，and potential values，this report proposes to promote the sustainable development of Huimin insurance from three aspects，including financing，payment，and data sharing. First，improve the insurance coverage rate of healthy people by improving pricing，improving services，supporting the opening of employees‘accounts for basic medical insurance，and enhancing consumers’ awareness of risk protection. Second，scientifically delimit the guarantee’s scope scientifically and innovate the payment method. Third，realize data sharing and improve operational efficiency.