The first way is that when users are hospitalized in designated medical institutions in Hangzhou, they only need to swipe the credit card or savings card of Bank of Communications and choose Xihu Yilianbao as the payment method, so that they can realize the one-time settlement of basic medical insurance, critical illness insurance and Xihu Yilianbao. In this way, users do not need to pay in advance, which is convenient and fast. The second method is that if the user goes to a non-designated medical institution or a different place for medical treatment, or the user's fee does not meet the one-stop claim condition of credit card, he needs to go to the special window of the service outlet announced by the insurance company for reimbursement. Users need to submit relevant information, and after approval, the claims will be directly credited to the user's bank card account. In this way, users can be reimbursed in time.