Pay by disease score. The medical insurance DIP is to pay according to the disease score. It is a medical insurance payment method based on big data analysis, aiming at optimizing the use efficiency of medical insurance funds through grouping and integral calculation. Medical insurance DIP binds the interests of all medical institutions in the overall planning area, making medical institutions combine into the same destiny, supervising and restricting each other, enhancing the transparency and fairness of management, thus ensuring the safe and long-term operation of medical insurance funds and giving consideration to the fairness and efficiency of hospitals.