The paper analyzes the status in quo and existing problems of the medical insurance information system and will prove the advantage of three - tire structure by applying it in ic module of medical insurance information system 本文对医疗保险系统的现状和存在的问题进行分析，并且将通过三层架构在医疗保险系统ic卡模块的应用实例来证明其优越性。
